BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Premier Auto Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2020-10-03
Company: EQUIFAX, 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:
I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX  on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, 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:
I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I finance a XXXX XXXX XXXX truck with credit acceptance corporation. Included with the finance charges should have been the premium but was not, I had to purchase a separate insurance from the finance charge. And the the law says anytime you finance a vehicle the premium should be included in the finance charges.It was not, so therefore Im demanding compensation for violating my right as a consumer.Im demanding compensation for the premium, compensation for violating my right as a consumer and also deletion of all consumer reporting agency and the title to the XXXX XXXX XXXX truck. Based .on the law it makes the contract null n void by deception.

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 2018-12-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On about XX/XX/2018, I tried to secure a pay day loan using my banking routing and checking account number. When I tried to log into my account, a pop-up number appeared for me to call the bank. As I spoke to the representative over the phone, he informed me that the bank has determined that my account must be closed within twenty days and that I can no longer be a client ever with them. I thought there was some mistake so I went into a nearby branch office to find out what was going on. The gentlemen at the branch said that you probably just need to change your username and password ; which he was getting started on when he received a call from the main headquarters letting him know that the account will be closing in or about twenty days. All I was told at the branch was that there was some suspicious activity on the account which translated as someone acting on fraud. When I was shown my account by the banker, I didn't see any suspicious activity on the account. I can only conclude that I was a victim of a scam for a cash advanced loan. The following week, on XX/XX/2018 I got a call from my loan institution telling me that all my payments from XX/XX/2018 have been returned to them as not been paid. I called Chase Bank to find out why and they have refused to give me any information and have said to me many times that " no matter who you talk to, everyone will tell you the same thing. That Chase reserves the right to explain anything, and that your account will be closed in twenty days ''. This has been very frustrating, I have been a loyal client of Chase Bank for many years, and no one wants o give me any information regarding the status of my account that's ended or transfer me to someone with the information regarding the returned payments to my loan institution, XXXX XXXX XXXX. I'd like this matter to be resolved as soon as possible and continue banking with Chase, however I feel as though I am being attached and punished for something I am unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ability recovery services had put a collection back on my credit report and it has been discharged in the bankrucpty court and I call to find out about it and ask them can they update my account and they told me that I had to contact XXXX and dispute it and they hung up on me like i wasn't still asking the agents question about what all i had to do

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 2023-10-21
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:
XXXX XXXX is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times? 
According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.

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 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Truist financed a new vehicle purchase. On XX/XX/XXXX I set up auto pay, online, for the Truist auto loan. I verified if the bank information/auto pay had been saved and my bank information was not stored/set up. I re entered everything again and afterwards the information was still not saved. On XX/XX/XXXX, I decided to make a one time payment online since the auto pay was not processing my information. 
On the first due date of XX/XX/XXXX, my account was drafted for the payment I had already submitted prior on XX/XX/XXXX. I called and they stated my auto pay was set up and that it would not deduct me in XXXX as I had a double payment. I left it alone and didn't request a refund for making two ( 2 ) loan payments in the month of XXXX. 

On the deduction date for month of XXXX which was drafted from my account on XX/XX/XXXX, {$710.00} was applied to interest out of the {$890.00} payment. 
The prior two ( 2 ) payments were applied as follows : XXXX {$890.00} : Monthly Loan Amount, {$600.00} Principal, {$290.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$720.00} Principal, {$170.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$180.00} Principal, {$710.00} Interest ( XXXX payment ) I couldn't understand why so much of the payment posted on XX/XX/XXXX was applied to interest. I contacted Truist on XX/XX/XXXX and the representative stated it had been corrected however the next day, my new lender XXXX XXXX XXXX, paid the pay off which had been provided weeks prior and I didn't receive a check in the mail, from Truist, for the incorrect amount of interest charged to my account on XX/XX/XXXX. Its impossible for Truist to have corrected it when XXXX XXXX XXXX paid the pay off amount reported to them weeks prior, in the amount of {$50000.00} on XX/XX/XXXX posting date.

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 2018-12-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Well Fargo Bank, did not actively report to my credit report after a discharge of a bankruptcy in XX/XX/XXXX. I originally filed bankruptcy XX/XX/XXXX and paid if off at 100 % in XX/XX/XXXX. After multiple phone calls and Wells Fargo receiving a discharge from the Bankruptcy courts they continued to show my account in in their system as being active in a petition status for a filed Chapter XXXX bankruptcy which also resulted in the suppression of my credit reporting. They sent me a letter in XX/XX/XXXX which stated they had rectified the issue and now in a letter from them dated XX/XX/XXXX they tell me that the previous letter they sent in XXXX with inaccurate. They have now reported my account as closed and paid off at 100 % which is actively showing on my credit report. They tell me that they are trying to rectify the situation but have only caused further issues. Well Fargo has caused me to not be able to refinance my loan with 3 different companies due to this issue and now tell me that they do not have to have an answer for me until XX/XX/XXXX as to rectifying the situation, when the original date was XX/XX/XXXX. This financial institution acts as they choose and do not care about the damage or financial burden they put upon their members, in my opinion they attempt to keep you locked with their company which is a crime. They failed to report accurately to my credit report for 5 1/2 years and had me as being in active petition status in their systems for 5 1/2 years beyond the date that they should have rectified it.

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 monetary relief
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with XXXX. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: FL
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:
I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my XXXX attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXX XXXX  and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-09-16
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed this with all 3 credit agencies and 2 have removed this from my records. Experian will not. This information is not accurate as I have never filed a bankruptcy in XXXX, Ga. 




Your Bankruptcy Dispute has been updated. 
XX/XX/2023 The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/ Report Number : XXXX Court Name : XXXX XXXXXXXX XXXX  GA XXXX XXXX : XXXX XXXX XXXX , XXXX , GA XXXX Type of Record : Bankruptcy Reference Number : 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 2023-04-19
Company: Dave Operating, LLC
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX i made a deposit in my dave banking app from XXXX of {$3400.00} only for it to get rejected because funds were over {$1000.00}, but account did not show funds were received or rejected until XX/XX/XXXX. The {$3400.00} was place on a hold from the bank and when i contacted to them to release the funds they had no idea where it was, they had contact XXXX  they lied to me and said on after 5 business days it would be returned which didnt happen, they took the situation to corporate just to tell me they had their executives handle it only and told me to wait on a update. On XX/XX/XXXX they terminated my account and now i have no way to contact the company or know where my {$3400.00} is or when it will be returned.

Company response to consumer: Closed with explanation