BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX  has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used. 
Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences. 
Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so. 
I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX # XXXX ; XXXX XXXX XXXX XXXX. # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX, XXXX # XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ; XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft due to the Equifax XXXX XXXX and I need the accounts listed in my documents provided in this complaint immediately blocked from my credit report. I am demanding these accounts to be removed or blocked based on the legislation outlined in 15 USC 1681c-2 ( c ). Please also reach out to the 2 other credit bureaus ( XXXX and XXXX ) and let them know to remove this fraudulent information as well. I've attached my SS Card, A copy of my passport, a UCC 11 Filing showing that there is no debt in my name in the State of Washington, and an up-to-date FTC Report. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, XXXX and Trans Union credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TheBUREAUS ( XXXX ) Acct # XXXX XXXX Acct # XXXX In XXXX XXXX XXXX Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING INFOR MATION ON MY CREDIT REPORT AND IS THE WRONG SOICAL SECURITY NUMBER AND WRONG NAME I ASKED THAT THEY REMOVE THIS WRONG INFORMATION AND THEY SAID THEY WOULD NOT DATES XX/XX/2020 COMPANY PENN CREDIT CORP # COLLECTIONS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted with Chase Bank and asked to cancel PMI ( XXXX Mortgage XXXX ). They said I have couple options to waive PMI. The first one was XXXX ( XXXX XXXX XXXX ). During this conversation I ask them how much initial principal payment do I need to make to waive PMI. They responded that I have to lower my loan balance as {$190000.00} or less. I told asked specifically how much do I need to pay. I asked this because I have Deferred Balance. The agent told me that Your investor requires your principal balance to be at {$190000.00} by XX/XX/2023. This means that you will need to make a principle payment of {$4600.00} to remove PMI early from your account. I told them I still have deferred balance and the agent said I do not need to make any payment for deferred balance. It is not a requirement. So I made a payment which is {$4600.00} and lowered my balance as of {$190000.00}. I just received a secure message from the bank and has been told Hello XXXX, Good day! My name is XXXX, and on behalf of my colleague XXXX, I'm following up about your PMI waiver request. Thank you for your patience while we review your account. On XX/XX/2023, we have completed a PMI research on your account, and we determined that you may cancel PMI on your loan by paying down your loan balance to {$190000.00}. Please see attached letter for reference. However, allow me to clarify that it will be the combination of the following principal balances : - {$190000.00} current principal balance- {$7500.00} deferred principal balance XXXX principal balance : {$200000.00} I'm sorry for the initial information that has been provided to you, as there has been an error on our end. Moreover, you can make an additional payment of {$7500.00} to principal, and once it is posted, we can certainly submit another PMI waiver review on your account. I encourage you to reach out through the XXXX XXXX XXXX, if you have any other questions or need assistance. We remain committed to providing you with excellent service. Have a great rest of your day. Best regards,. The result is not as we discussed before. As you see on the message, the error occurred by the banks end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When i graduated from XXXX in XXXX  and did my student loan exit exam as well as chose my plan it was the extended fixed repayment plan as to which i paid XXXX every month until the student loan pause. I went to check my account after edfinancial changed servicing i checked my bill XX/XX/XXXX it showed XXXX was due i called in to ask why it changed and they told me nothing was different i asked about prior payments they told me that i didnt show any i have banking statements that prove otherwise. This change hurts my family and the only other plan i could afford was the graduated plan which charges me more interest than the original. Why have the terms of our agreement changed? To me this is a rip off. So i switched and am now unable to view my account. This makes the organization look shady. It took XXXX hours to get ahold of them and a lot of people are blasting them on XXXX XXXX etc. for this kind of behavior. I can send all of my banking statements if necessary but have attached a screenshot of one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Atlanticus Services Corporation
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I paid a past due debt with Aspire credit card. On XX/XX/2023 I received a letter from XXXX XXXX regarding this debt as unpaid. On XX/XX/2023 I reached out to XXXX XXXX and was directed to call Aspire. I then chatted online with XXXX from Aspire and was directed to call XXXX XXXX. I once again called XXXX XXXX and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im submitting a complaint in reference to Credit Acceptance Corporation ( CAC ). They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX  : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX XXXX XXXX XXXX utilizes XXXX  which is a correspondent of Regions Bank, N.A. We were approved through XXXX in order to finance the project. XXXX sent a Truth in Lending disclosing the amount approved which was XXXX Upon completion of the project, XXXX sent XXXX a bill for the completed project of XXXX. XXXX never redisclosed for the amount of the completed project which was the actual amount borrowed. Instead, they starting sending out a bill for simple interest. Never re-disclosing what the payments would be after the loan recast for the correct amount. I know the regs are different for every state and maybe they didn't have to send out a Truth-in-Lending with the correct figures. Maybe this time, it slipped through the cracks ; however, all the cracks were filled with the New Regs. Reg Z, X and Dodd Frank. I thought Lenders were operating above board. Regions can't claim ignorance in this and any case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There was a XXXX XXXX business account # XXXX XXXX XXXX XXXX that has been deleted XXXX. XXXX 2018 from my personal profile, after confirming & verifying as being a business account. Recently it's been reinserted again with a new account number ending in # XXXX which was the replacement for the original card which was shut down for fraud. Experian was made aware of it and has not yet removed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On about XXXX XX/XX/XXXX, I left XXXX XXXX apartments in XXXX Wa. On about XXXX XXXX I received a bill for approximately XXXX dollars for final move out expenses. I paid this amount in full on the apartments online payment portal on XXXX XX/XX/XXXX. 
On approximately XXXX XX/XX/XXXX, I received a call from IQ data, a debt collection agency, that I had an outstanding debt of XXXX dollars, and with their processing fees the owed amount was XXXX. The call seemed to be a scam, and I was confident the bill was paid so I told the caller I would not pay the amount until I did some research and reached out to the apartment company to validate that the debt was not paid. The caller immediately shifted to high pressure tactics and threatened action on my credit report if I did not pay. I told them I would not pay until I resolved it with the apartment. 
I then called the apartment and determined a debt had been sent to collection, however the apartment employee did not have access to my account, so was unable to access any of my online portal payments. The next day the collection agency called me and again pressured me that if I did not pay my credit score may be adversely impacted and pushed further on high pressure tactics. I was confident that the agency was not a scammer and the caller told me that I could pay the amount under a dispute, where the agency was required to follow up with resolution on my dispute. I payed under protest with the intention if the debt was reported incorrectly I would dispute it with reasonable resolution. 
On the XXXX of XXXX, XXXX XXXX was able to access my file, and through my banking statements I was able to cite the day I payed the XXXX dollar bill and they were able to prove I payed the bill on the XXXX of XX/XX/XXXX and they incorrectly contracted my paid debt. They emailed me and IQ data the XXXX balance receipt and reported that I was paid up. 
After a month, and reaching out to IQ data on a status, I received no follow up and called IQ data to get status on my dispute. The operator was rude, indignant, disrespectful and refused to give me any status on my claim or point me to any direction on how to resolve the issue. His approach was similar in bullying high pressure tactics used to collect the debt. I have objective evidence the debt was paid properly and never should have gone to collections. Additionally I have email correspondence from XXXX XXXX to me and IQ data stating this. I have email correspondence of me reaching out to IQ data for follow up with no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2022, I wrote Bank of America and requested information about an account they are reporting on my credit report which they failed to respond. I then sent another letter in XX/XX/2022 but they responded with only portions of the information requested. In XX/XX/2022, I was advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. And now they have still failed to comply. They did not send a Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation