BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. Self lender isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what self lender is supposed to look like on all 3 bureaus. Please report a complete file to both XXXX and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX I was contacted by Caine and Weiner, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, also with an address of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, sent me a notice that they are attempting to collect a debt on behalf of XXXX XXXX in the amount of {$420.00} with reference number XXXX. 

I wrote to them on XX/XX/XXXX and again on XX/XX/XXXX, requesting any viable evidence, bearing my signature, for the account they allege is mine. They responded to both requests, with only an amount that I supposedly owe to XXXX XXXX. 

They have reported this collection to the major credit bureaus, and it has affected my credit. I have given them ample time to respond with any evidence this account belongs to me, and they have failed to produce such evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: American Credit Acceptance, LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American Credit Acceptance does not possess a supervised lender license in Kansas to exercise nor enforce rights within my supervised loan contract pursuant to 16a-2-301 ( 1 ) ( c ). American Credit Acceptance is violating the rights of consumers in Kansas and collecting payments from said consumers unlawfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: ALLY FINANCIAL 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 not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have Child Support with ALLY FINANCIAL INC . I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are 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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying 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 the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.

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 2023-11-20
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 1604a section 2 ). it Also, states, a consumer report agency can not furnish an account without my written instruction under 15uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-15
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: AES/PHEAA
State: PA
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:
On XX/XX/XXXX, I called FedLoan and processed a request for a refund ( eligible under the CARES Act ) for XXXX federal student loans paid off in full : - {$1000.00} paid off on XX/XX/XXXX - {$1000.00} paid off on XX/XX/XXXX A FedLoan representative informed me that the refund could take an estimated 2-5 months, and said that the money would be sent to me by checks in the XXXX Mail XXXX 

On XX/XX/XXXX, I called FedLoan to request to cancel the refund that I had processed on XX/XX/XXXX, out of fear that the checks being sent to me in the mail would be stolen ( I live in a city that is currently experiencing an unprecedented amount of check theft in the mail ), and with the additional knowledge that the payments I made would now be automatically refund by XXXX XXXX student loan forgiveness program. The FedLoan representative I spoke with informed me that they could do nothing for me, as they had transferred my account to a new servicer, XXXX, and directed me to call XXXX in order to process my request for a cancellation of the refund. 

On XX/XX/XXXX, I called XXXX and requested a cancellation of the refund of the {$2000.00} in student loans that I had earlier filed with FedLoan Servicing. The XXXX representative I spoke with informed me that they could not process my request for a cancellation of the refund because they had not yet received a record from FedLoan Servicing of my payments made. The representative said that they ought to receive my records from FedLoan Servicing in 2-3 weeks and recommended that I call back in XXXX weeks to check. They assured me that we could process the cancellation of the refund at that time. 

On XX/XX/XXXX, I called XXXX and requested a cancellation of my refund. The representative said XXXX still hasn't received any information about my old loans from Fedloan, and said it may be a month or more before they receive it. 

As of XX/XX/XXXX, XXXX still has not received any information from FedLoan servicing about my history of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited checks at my Fifth third Bank account in 2019 which was given to me by my brother and relatives to buy my house as I was low on my down payment. The Bank put on hold for one month. Then they said they sent one of the checks to IRS in amount of {$7000.00}. I called several times to the bank which they keep saying to contact IRS. I have been talking with IRS live agent and sending mail butThey are saying that they didnt get any source of the check which was sent to IRS by Fifth Third Bank XXXX 
The contact person for Fifth Third Bank is XXXX XXXX. She can be reached at XXXX XXXX XXXX. 
I humbly would like to request if you can help me where the check is and how do I get back. 
Thank you for all your helps. 
Here is My informations Name : XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX. XXXX  XXXX Phone XXXX XXXX XXXX Email XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2022-12-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Multiple times I have tried disputing incorrect accounts with these credit bureaus but they always fail to make corrections. I have contacted them around 5 times in the past 3 months trying to get this info off my report along with sending them proof that the accounts are not mine and invalid.

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 2022-12-15
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I HAVE BIG ISSUE WITH TRUIST BANK AND XXXX PULLING MY CREDIT REPORT. I have been trying to apply for credit but both banks are stating they cant pull my XXXX report. I thought that they couldnt pull my report because my credit angecies was frozen. BUT, it was NOT. I was able to get credit extented at a different bank. However, Truist and XXXX is not having any sucess oulling my credit. I want Trusit Bank and XXXX be able to pull my credit so I am able to get funding extented to me. thnak you

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-12-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent a Letter dated XX/XX/2022, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No nancial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.

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 2023-01-30
Company: EQUIFAX, INC.
State: NY
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 making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor : DISCOVER FINANCIAL SVCS ( Discover Card ) - who hired collection agency Attorney for Collections : XXXX XXXX XXXX of XXXX, TX XXXX ( new name of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff XXXX XXXX XXXX XXXX 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by XXXX et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME DISCOVER BANK debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I sent out a letter to validate my debt to Regional Acceptance. I  received a response today XX/XX/2020 with my account inquiry as well a letter that Regional acceptance sent to me previously with my balance on my account. In this letter it states that I owe XXXX on my account payment history it shows that I owe XXXX. Reporting wrong information is a violation of the fair debt collection practices act and a defamation of character.

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 2022-12-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
CFPB COMPLAINT NUMBER XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXXXXXX XXXX XXXX  Account XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NV
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 response to consumer: Closed with explanation