BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TrueAccord Corp.
State: SC
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:
TrueAccord Account Number:	XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Due to being behind on payments, I had my vehicle repossessed by the loan issuer, XXXX XXXX XXXX in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that XXXX XXXX XXXX is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly XXXX year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to XXXX XXXX XXXX several times to resolve the issue to no avail. They ( XXXX XXXX XXXX ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they XXXX XXXX XXXX XXXX ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.

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 2021-12-18
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to report false debt on my credit report. After trying to validate this debt, they lacked the information that would prove it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: General Motors Financial Company, 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:
in XXXX XXXX 2021, an account was deleted from my XXXX file ; on XX/XX/2021, the same account reappeared the amount was XXXX and the company was Gm Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received calls from this number on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for verification number. 

I have never received mail from a debt collector or verification number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep also stated twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a Truist account about a year ago but for some reason I was told that I have an account with Suntrust which is false. I need this fixed immediately. Your customer service does not exist so every time I call Truist I get put on hold and no one answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
we send out 3 checks to a vendor which was cashed thru somebody different than the vendor it was cashed by XXXX XXXX XXXXXXXX which they admitted it was fraud it is 6 weeks and havent heard anything yet no money was send back to my account in chase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt to  AFNI  in full but it still shows on my credit report that the status is " collection/charge off ''. It was not charged off as I paid in full and it has n't been in collection since  2013

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, 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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Rent Recovery Solutions
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
rent recovery solutions has my account for collections for an apartment that I never moved into even-though I signed a lease I never moved into the apartment let alone actually saw the apartment or even came to the apartment complex building and met anyone. all this was achieved via email and during covid-19. I was approved under false pretenses and I also made every attempt with the apartment company to resolve the signing of a lease and not actually taking possession of the unit. At this current time I am in XXXX  XXXX bankruptcy since XXXX, and I have told this company that even though this is a post petition debt they can't contact me due to my automatic stay until my bankruptcy is discharged. Since they've had my account they have repeatedly called several times a day from different numbers at all hours leaving voicemail messages since XXXX. The last time i was contacted by this company the representative used expletives and yelled and hung up in my face when I again advised that they weren't supposed to contacting me but could contact my lawyer. my complaint is for the violation under bankruptcy laws and for harassment and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On the day of XX/XX/2023. I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 U.S. Code 1662 - Advertising of downpayments and installments, and 15 U.S. Code 1605 - Determination of a finance charge. Mixing cash with a finance charge is illegal. I demand a full return of the {$2500.00} down payment thats shows in the purchase order.

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 2021-12-03
Company: ACIMA CREDIT, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon check my credit file, I notice immediately that I had become a victim of identity theft that. I immediately took action by contact the 3 major credit bureaus and file Police/FTC to have these account removed from my credit filing. I was able to get these fraudulent account resolve, except for 1 with the company ACIMA credit. I immediately reach out to them once i had got a response from the credit bureay XXXX that my dispute had been denied. Upon reaching out and speaking with a representative of the company where they told me, they did find accounts with my information attached but with different name listing, i was then told to email the fraud department and that i would get a response by email or call in 2-3 days, several days had passed and i received no contact from the company, I repeated this step again.. called 3x and on the final time i was told to resubmit the email.. still no response.. THis account is for {$2100.00} but it is stated to be charged off.. I would to have this matter resolved as i have not beneifted nor authorized the use of my information to obtain anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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: Public record information inaccurate

Complaint:
I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of XXXX  when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on Transunion, They had address and a whole host of information inaccurate on XXXX, and XXXX they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very 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 2023-06-23
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by XXXX XXXX XXXX XXXX  and American Express from my credit report. 

Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. 

Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened up a dispute through XXXX XXXX XXXX on a XX/XX/19 charge of {$510.00} on my XXXX XXXX XXXX card, and it was recently denied, twice. 

The reason for denial was that Paypal, the merchant, denied XXXXXXXX XXXX  claim.

Paypal stated the payment in question violated their user agreement, in reference to using friend and family option to pay paypal user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation.

2 ) If there was a violation defined in the fine print that I was not aware of, Paypal user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the paypal user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the paypal invoice, and I paid it. He initiated everything, and if there are any violations of the paypal user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

XXXX is practicing unfair business practices, and ruling in the favor of the path of least resistance for themselves, not looking out for the better of their member/user, me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CNG FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter threatening legal action and damage to my credit for an old payday loan I do not recognize. The amount is {$3200.00}. Letter states this is a second attempt, but have not been contacted before. They list an old employer, and family members they may subpoena for court. They state they run a hard inquiry to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: PA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My nephew XXXX XXXX opened an account with a credit card in my name from the Bank of America. I don't know all the credit card details but the Bank of America phoned me and verified if my name was XXXX XXXX on my XXXX XXXX XXXX. He was fraudelently taking credit cards in my name. He has my fake driver 's license and took my social security card. He gave people my social security card, I don't know all the details.

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 2023-06-16
Company: Experian Information Solutions 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 third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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