BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: Creditor Advocates Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her surgery or care through the XXXX XXXX XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University of XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NV
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:
This constitutes a violation under the provisions of 15 U.S. Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. A written notice about the account was not furnished prior to its reporting. Consequently, I request the removal of this account from my credit report, as I dispute the validity of the claimed debt. Furthermore, this action appears to contravene my rights as stipulated in 15 U.S. Code 1681b ( 2 ), which defines permissible purposes for consumer reports. The account was reported without my consent and my social security information appears to have been misused. Given that I am a victim of identity theft, it is important to note that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. According to 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. It is evident, however, that my privacy rights as a consumer have been infringed upon, as the information was publicly reported without my authorization. I hereby demand the immediate removal of this account from my 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}.

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 2022-09-15
Company: CIG FINANCIAL LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
this is a situation started with a huge fraud issue - the fraudulent activity was my bank account got hijacked- they went in and and disputed 4 car payments - XXXX XXXX will put money onto your account while they research the dispute- they then went and did 3 charges to negate the money that was credited to my account- which netted at almost XXXX - hence why i did not notice a change in my balance. How i found out - was when my car finance company called my - threatening to repossess my car- I then called my bank and found out the issue- I immediately disputed EVERYTHING - XXXX XXXX  then created a reverse dispute- I called the finance company bank letting them know the situation - they said call back when I hear more from the bank - well every subsequent day for 3 days they were calling and threatening me all sorts of ways- not caring that this was fraud - the last day they called- they were on the way to repossess my car - would not listen that they will get the money - and I was to surrender my car- I had to beg plead and basically sell my soul to get the money to save my car {$1500.00} - in the meantime XXXX XXXX has reversed the charge backs and the money has been sent back to their XXXX XXXX account- i have called, sent an email to forward to their accounting department as they are telling me accounting does not talk to customers - this was in XXXX - we are now mid XXXX - and still calling me for payment - no one has contacted me about either crediting my account or giving me a refund - the email I sent to them clearly had the XXXX # 's amounts - dates for the money coming back to them - I do know that I can not just eat {$1500.00} due to they do not want to research - let me talk to accounting - or even make an effort to rectify this situation- i did file a police report as well - still awaiting a call back- please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance {$0.00} XXXX CARD XXXX Balance {$5500.00} XXXX XXXX XXXX  Inquired on XX/XX/2022.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
capital one auto finance 10 hard inquerys in one day?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Here another debt collector I am not aware of, I do not have a contract with the collection company or anything type of agreement, can understand why company are so easy to pull collection on consumer credit report. It also looks fradrulant trying to collect on a non-existent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Macys APP failed to process a scheduled payment. I need proof of the results of the investigation that they claim they did. I need names and dates. I have never been 30 days late and I am not sure why macys is playing games with this. I already spoke with their IT department and was told that the app does fail sometimes. I also was not contacted to inform me that the payment had not processed. So there are many issues here, but I need the proof and results of the investigation with names dates and times, so I can prepare to move forward to the next level. 

Macys reported a late pay without notification in the middle of a national pandemic. My husband is a XXXX XXXX  and I had XXXX, so while we are XXXX  XXXX, macys is reporting inaccurate late pays in an effort to ruin a persons credit. 

I am fighting this to the end because the payment was scheduled to process and macys failed on may levels. PLEASE PROVIDE PROOF OF INVESTIGATION! 

MACY s is in violation of my rights! what they are doing is terrible!

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 2023-06-02
Company: Self Financial Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I opened a credit builder account with Self financial services in XXXX of XXXX. It was at this point when all the information I provided was verified. I began making payments and in XXXX of XXXX opened a credit card account with said services. I continued to make all payments on time. This went on until XXXX of XXXX when I received an email stating that my accounts would be closed. The reason they said was that my information couldnt be verified. This is a lie because all of my information was verified when I opened the account and nothing changed. The email said that they would pay out all the money I was owed within 14 days. Its now been a month and a half and I still havent received the money. Ive called and emailed them several times and have been unable to get any results about what information couldnt be verified or when I will receive my money. Ive since found out through XXXX that this company is known for doing this. I believe this is a scam in which they take peoples money and put it in high yield interest accounts in order to profit before returning the money to the people its owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$810.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Account charged off. {$870.00} written off. {$870.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$5.00} FCRA violations : payments never late XXXXXXXX XXXX XXXXXXXX XXXX Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment FCRA violations : addresses not mine XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXXXXXX 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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: AZ
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:
I told Experian, XXXX, and XXXX to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my 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 2023-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian has denied me services that are supposed to be provided with my Membership. 
They have removed an open account from my credit report stating it was removed by the Fraud Dept because it was a Fraudulent account. However, I was never notified of this action and I am being denied access to the Fraud Dept to resolve the issue. " Experian Credit Monitoring and Alerts as well as a Dedicated Fraud Resolution Specialist '' are services that I pay for and have been denied. The company with whom I have the open account ( XXXX XXXX  ) has continued to report the account as open and in good standing to Experian monthly.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: AZ
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 was notified by Experian that a hard inquiry hit my credit score immediately followed by a decrees in my credit score. I logged in and noticed that there was a Hard Inquiry from XXXX XXXX XXXX I happen to be a customer of this institution so I called their fraud department and notified them that this is fraudulent and to NOT approve the application. They informed me that someone applied for credit for XXXX XXXX and a cruise line. I have notified Experian that this is fraudulent and that I want the inquiry removed and they advised me to notify and report this to the FTC. I have not applied for any credit or loans of any sort nor have I had any previous issues regarding ID theft. I do want to prosecute if these culprits are caught. 

Contacted : XXXX XXXX XXXX Fraud Department on XXXX Contacted : Experian Dispute Department on XXXX Inquiry Date : XXXX Type Bank Credit Cards- Phone XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX 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 explanation
Consumer complaint received 2023-06-02
Company: DriveTime
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX XXXXs in XXXX after I inquired about car financing on their website. They offered {$0.00} XXXX down on a XXXX XXXX XXXX. The representative that sold me the car was not a licensed automotive salesperson, but a " Customer Experience Guide ''. The car did not have an affixed Buyer 's XXXX nor was I provided one. The car did not have a label of Reasonable Market Value of Vehicle, nor was I provided one. I was told that the car price was sold at cost. I was not provided any credit score disclosure. The financing details were not disclosed or explained, including the finance charge of {$23000.00} in addition to the 27.9 % APR which put a total sale price of {$46000.00} on a {$16000.00} car. The monthly double payment totaling {$670.00} was not disclosed until after the contract was signed. The dealer provided an XXXX XXXX Report that was false. The number of owners was incorrect, it stated no recalls when in fact it was subject to two recalls. I was not provided with an inspection report and the vehicle was sold with blown shocks, failed control arms, cv bushings, uneven tire wear and a plugged tire as well as existing faulty emissions components. I have every confidence that I am a scam victim by a predatory dealer / lender and targeted because of my age and credit score. This organization takes advantage of consumers who have limited financing options and uses deceptive practices to sell cars under terms they know are unacceptable. I overheard to representatives making wagers on time limits before they will repossess and resell vehicles they recently financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any

Company response to consumer: Closed with explanation