BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: U.S. BANCORP
State: IL
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:
Dear XXXX XXXX in XXXX XXXX at XXXX XXXX, Is XXXX XXXX a financial institution?? 

Clearly on the letter dated XX/XX/2023 you stated your company is a " member of the financial services industry ''. Furthermore, as defined in 15 USC 6809 ( 3 ) ( a ), ( Public Law 106-102, title V, 509, 113 Stat. 1443 ) The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

In congruent with you stating XXXX XXXX is a " member of the financial services industry '' and the definition of financial institution as congress prescribed, it is correct to say you are a financial institution that is governed by Federal Regulations, Federal Statues, and Federal Regulators. 

As a financial institution you are required to promptly process my opt out demand from my nonpublic personal information being disclosed to any and all nonaffiliated third parties. 

XXXX, are you suggesting that XXXX XXXX is illegally denying me my right to privacy and my right to opt out? Please seek legal guidance before responding to that question. 

Additionally, you mentioned the Fair Credit Reporting Act in your letter dated XX/XX/2023 but obviously havent read it in its entirety. In the Fair Credit Reporting Act, a financial institution is to provide me a clear and conspicuous written notice, advising me it will be reporting negative information to a consumer reporting agency. I never received a CLEAR AND CONSPICUOUS notice from XXXX XXXX of such activities. 

However, even if you did provide me of such notice, the Fair Credit Reporting Act states it DOES NOT require a financial institution to furnish negative information about a consumer to a consumer reporting agency! 15 USC 1681s-2 ( 7 ) ( E ). 

Please provide the legal statue that says reporting negative information on a consumer to a consumer reporting agency is required by law. There is no such statue. But there are many statues that point to my right to privacy, to my right to opt out to your duties as a furnisher of my information. You dont control my information ; CONGRESS GAVE ME THE RIGHT TO CONTROL MY OWN INFORMATION. 

Stop disclosing this account to all non-affiliated third parties including XXXX, XXXX and any other nonaffilated third parties that I am unaware of. 

THIS IS MY OPT OUT NOTICE, AS A FINANCIAL INSTITUTION YOU MUST COMPLY. 

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 2022-02-28
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX. # Account XXXX Collections XXXX Account # 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 with written instructions.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After disputing incorrect information on my credit report, for which I requested the method of verification and detailed information about the contact they had with the individuals reporting inquiries on my credit report, which, under the FCRA law, do not serve any permissible purpose such as a firm offer of personal credit, employment, insurance, or a court order, and are not within my knowledge, I am requesting their immediate removal from my credit report as they are causing damage to my personal credit history. Despite several dispute attempts, I have not found a solution to my problem. I am once again asking you to reconsider my dispute and provide detailed information on the investigation ; otherwise, I request the immediate removal of these inquiries 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 non-monetary relief
Consumer complaint received 2023-12-23
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting 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:
I have contacted XXXX and XXXX for the deletion of the hard inquiries and also the dealership and the Bank involved. I dint authorized at all

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
Requested all unauthorized inquiries be removed from my 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 explanation
Consumer complaint received 2023-08-23
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was serviced by Midland Mortgage ( MM ). Per the attached documents, they modified the mortgage payments due to the delinquency caused by Covid 19. After the loan was modified, MM claimed would not accept the new payments and then proceeded with foreclosure action. All of my trial modification payments were made timely, and MM would not honor the final loan loan modification terms. My property was sold at foreclosure auction on XXXX to XXXX XXXX and I am now facing eviction. I feel cheated and deceived by MM. They are in clear violation of CFPB law 1024.41and I am seeking restitution from them.

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 2023-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
To whom it may concern, Re : Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They have failed to VALIDATE ANY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: AZ
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, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Telsa Motors Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have been unable to complete a lease transfer because the Tesla App/Website does not work. I have called Tesla and they said there is no phone number for the Tesla Financial department and to send an email. I have sent multiple emails and have not received a response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My phone and wallet were stolen on XXXX XXXXXXXX XXXX XXXX. They were able to get into my phone and change PIN codes and passwords. All transactions occurred on XX/XX/20. They charged the following : Credit card XXXX XXXX  XXXX : {$200.00} to XXXX {$160.00} to XXXX {$190.00} to XXXX XXXX {$150.00} to XXXX XXXX {$69.00} XXXX XXXXXXXX XXXX {$88.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX {$200.00} to XXXX XXXX {$500.00} to XXXX XXXX {$530.00} to XXXX XXXX {$600.00} to XXXX XXXX {$900.00} to XXXX XXXX {$200.00} to XXXX XXXX  {$700.00} to XXXX XXXX {$500.00} to XXXXXXXX XXXX XXXX XXXX : {$45.00} at XXXX XXXX {$250.00} to XXXX XXXXXXXX {$300.00} to $ XXXX {$150.00} to XXXX XXXXXXXX {$200.00} to $ XXXX {$280.00} to XXXX XXXXXXXX {$900.00} to XXXX  XXXX {$200.00} to XXXX XXXXXXXX {$250.00} to $ XXXX {$250.00} to XXXX XXXXXXXX {$200.00} to $ XXXX XXXX XXXX : {$500.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate 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 2023-02-12
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX went to a XXXXXXXX XXXX bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Bridgecrest Acceptance Corporation
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:
This is a response to the resolution for Complaint # XXXX your company provided and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
The complaint was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the named in the attached letter. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Financial Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am repeatedly receiving mail from various companies such as this one for a person who no longer lives at this address. I have sent back mail as return to sender no longer at address but still receiving mail for this person. I would like this to stop and please contact this person at their address and not this one as this person no longer lives here and has not for some time now. 
Address sent to is XXXX XXXX XXXX XXXX, XXXX Al XXXX, for a XXXX 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 2023-07-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX, I purchased a car from XXXX XXXX XXXX, they reached out to CREDIT ACCEPTANCE CORPORATATION for and extension of credit. The consumer credit contract interest rates are in violation of the NJSA 31:1-1 CIVIL USURY, which the maximum legal rate in NJ is 16 % per annum if there's a written contract. The contract in question has a 22.99 % interest rate. CREDIT ACCEPTANCE CORPORATATION has continuously engages in these deceptive practices as referenced in CFBP/NY Attorney general lawsuit. since XXXX CREDIT ACCEPTANCE CORPORATATION has issued consumer credit contract with an average of 22.99 % or 23.99 % interest rate, completely and willfully disregarding the individual state statutes on civil usury. Ultimately as the NY Attorney General stated setting the consumer up to fail.

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 2023-03-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Names, address, XXXXXXXX XXXX  - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: ERC
State: GA
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:
This debt was originally through XXXX XXXX XXXX cell phone service between XXXX - XXXX. I had 2 lines and I requested one line be removed - it was no longer needed. They refused because I was under a contract. I explained I could not afford to pay for a line I was not using. When my contract ended ( sometime in XXXX ) I changed cell phone service. In XXXX I had to file bankruptcy and it was discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/2020, I am normally paying the reduced payment plan reduction with Navient due to my inability to pay the full amount. My monthly payments keep increasing despite my objection. I am not able to make the full payments as I have a special needs son who requires expensive medical treatments. I have attempted to work their rate reduction department with no success. I am not able to make the payments they want me to make. I last spoke with their manager XXXX XXXX and she stated they are not able to assist in making he payments affordable me and showed no compassion after advising of my son expensive medical treatments. My son is diagnosed with XXXX XXXX  non verbal and his therapy ranges in the cost of XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2023-03-11
Company: EQUIFAX, INC.
State: NC
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:
XXXX is reporting to the credit reporting agencies that I opened an account with them. I never opened an account with them. I never applied for a card and I never signed for a card with XXXX. The card they are reporting on my personal credit report belongs to someone else who added me as an authorized user only. I am not now nor have I ever been financially responsible for paying the credit card balance. XXXX would not produce documentation to support their deceptive reporting that I opened a credit card with them when requested. I called and spoke with XXXX supervisor after very lengthy hold on the line. The supervisor at XXXX used words like we assume and generally when addressing my questions. and eventually he terminated the call which they said was recorded beginning at XXXX Eastern Time on XX/XX/2023. This unfair and deceptive practice has negatively impacted my credit rating at all the major credit bureaus. I advised the Supervisor I would file a complaint with CFPB and so I have. I do not have any other option and hope you will take corrective measures against this abusive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Maximus Education, LLC dba Aidvantage
State: GA
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 Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation