BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MI
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 and Equifax under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} XXXX loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? XXXX I was pre-apporved for a personal loan. XXXX against my permission you wrote to the loan company that my debt ratio was to high. XXXX why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. XXXX you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. XXXX tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this accountXXXX  was not suppose to be in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX XXXX can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX XXXX documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XXXX  CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: MS
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:
ON XX/XX/2022 I MAILED LETTERS TO EXPERIAN, XXXX, AND XXXX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT THESE ACCOUNTS.

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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Info was affected by the XXXX  breach. I contacted transunion and creditors in regards to inquirer that i didn't authorize even sent in information confirming i was affected. After to speak with several rep and supervisor they stated nothing could be done to remove the inquires. So this is why i reaching out to 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. Please delete these accounts ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me.

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: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of major fraud using my social security. the scammer has used my name to apply for loans, car loans, credit cards and more as well as hacking my bank accounts which ive had to close due to fraud. ive disputed and resolved most of these issues, including affirm ; but there are two one which has already been removed but the second is still on my credit which it is one in the same. The claim was supposed to be for all the affirms ; as i have no idea what these charges are, i didnt apply for loans, i didnt use the service i dont recognize any of these transactions.. It has been impossible to do anything without good credit and ive been trying to resolve this for the past 6 months. I am a victim and this is so unfair.. I already disputed with Affirm but i dont have any affiliation with this debt.. i need this removed as it is fraud and ive been a victim of major fraud across all my social accounts... Please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Advanced collection was notified in XX/XX/XXXX that they were in violation of Fla Stat 559.715 ( FCCPA ) of the Fla sunshine law. Collector states they " supposedly '' sent assignment letter although they have no proof they ever sent said letter. 
Collector was advised that they had violated my rights by listing the " alleged debt '' on my XXXX n XXXX credit reports. Collector was further advised that said " alleged debt '' was beyond the 4 year statute of limitations to collect on a debt and furthermore collector has exercised no due diligence in attempting to get said assignment letter to myself prior to listing debt. 
Collector did try mailing myself something after being advised not to contact myself on said alleged debt on my second contact. 
Furthermore, whomever has my file violated both XXXX XXXX FDCPA law by uttering the statement " well if you ever feel like paying the doctor let me know. '' This is a harrassing statement as well as derogatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 have contacted Equifax multiple times about not being about to pull my report and see my report on their website. I also request a hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: SC
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:
I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: HYUNDAI CAPITAL AMERICA
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:
XXXX remains in violation of 15 U.S.C. 1681g. This is a dispute against " HYUNDAI MOTOR FINANC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY Trade : HYUNDAI MOTOR FINANC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information currently reported is inaccurate, false, and incorrect. XXXX ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and complete credit reports for consumers. Reporting a business account on my personal credit report violates this statute, as it inaccurately represents my credit history. 2 ) Uniform Commercial Code ( UCC ) establishes that a personal guarantor is not personally responsible for the debts and liabilities of a business. As such, the business account auto loan registered to the business should not be listed on my personal credit report. 3 ) Violation of FDCPA Section 809 ( a ). I was a personal guarantor for a business account auto loan where the car was registered in the name of the business. I have attached the registration showing the business name on the registration. The business and its assets are separate from my personal credit report, and therefore, this account should not be reported on my personal credit report. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My leased vehicle was stolen and Ally Auto is my lease provider for my business loan leased vehicle I called them to report total loss and they are refusing to accept the details even though the vehicle was stolen and they do have gap insurance on the vehicle in the amount up to {$150000.00} which is more than the vehicle is worth as this point. I been trying to provide them with police report but they are refusing to accept it. Its a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX of XXXX XXXX. The police report is with XXXX Police department report number XXXX phone number XXXX. They are refusing to open a total loss case as required by law since they are my gap insurance XXXX XXXX department. I need them to accept this information and right this off as a XXXX XXXX They are also reporting in accurate information on my credit report since this is a total loss which is a violation of the fcra and the XXXX  debt collection act.

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 2023-03-17
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
back in XXXX I went to default my 2 loans, XXXX I did loan modification on my first loan. the loan officer of XXXX XXXX XXXXXXXX told me that second loan was forgiven, closet, cancel., now after 12 years in XX/XX/XXXX i got serve a complaint that owe. {$100000.00} I have never in 12 years received nothing from banks or real time resolutions inc. that I had a loan to pay! 

they have violated the law ( fair debt collect practices act. ) I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: MS
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:
ON XX/XX/2022 I MAILED LETTERS TO XXXX, XXXX, AND EQUIFAX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Credova Holdings Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied through Credova for a line of credit to purchase some firearms. I was approved with a limit of {$1000.00} on an open line. I used XXXX to order ( 3 ) firearms and one box of ammo for one of the firearms. I ordered a " XXXX XXXX XXXX XXXX XXXX XXXX - 20 '' Barrel, 7 rounds, Synthetic with a description stating the firearm was a " Semi-Auto action ''. This means that its not " pump-action ''. For {$250.00} it should be that price. You can get the Pump-Actions for $ XXXX {$150.00} range. We I went to pickup my order they opened the box to find a Pump-Action shotgun from XXXX in there. I have contacted XXXX SEVERAL times over the course of 5 days and received one reply initially asking for more info, ( which i provided ) and no reply. I attempted to contact again several times, no response. 

I then contacted Credova via chat last weekend advising of all of the above and a rep was very rude and non-helpful. I revoked the autopay out of my account in writing during the chat until this issue is resolved and the XXXX is taken off of my order amount since I never took ownership, ( It's still sitting at XXXX ) . 

XXXX has refused to contact me nor has Credova called me even after a rep told me a supervisor would reach out via phone to me on XX/XX/2023. That never happened. This complaint is due to Credova being the finance company and stating on their website that if a consumer disputes something and has tried to reach out to the merchant ( XXXX ) that they would reach out. I advised the rep via chat I tried and to no avail, the rep refused to reach out in violation of their own company guidelines posted on their website. Now we have Credova falsely advertising their guarantees on their website to actually refuse them. I did not receive what I ordered from XXXX and I want to speak with Credova about it. I have spent hours and missed work to deal with this issue and am seeking compensation for my time and effort to resolve this conflict.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At time share meeting XXXX XX/XX/XXXX, American Express XXXX XXXX XXXX application included for payment of downpayment on property. I applied for card at that time, and was approved, but did not use the account. Card arrived to my home in CA but was never activated. I was billed XXXX $ annual membership fee despite never activating or using account. I notified Am Ex in writing to cancel account, XX/XX/XXXX, but bill continued to come. In XX/XX/XXXX, I called agent who stated I was obligated to pay only XXXX $ for 1 month of membership prior to written cancellation. I tried to do this on phone that day but it took too long, as account had been cancelled and he could not easily find. I sent XXXX $ check in billing envelope with Am Ex receipt that same day. It has not yet been cashed. 
This account has been sent to collections, damaging my credit report and preventing my home refinance. 
When called againXX/XX/XXXX, Am Ex XXXX, stated that by applying for card I was obligated to pay the whole annual fee, whether or not card was ever activated or used and this was in the agreement I signed. I have subsequently found that agreement and see no indication of this. It states obligation begins when card is " used or activated ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} 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 2023-03-12
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AUTOMOBILE ACCEPTANCE is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt opt. AUTOMOBILE ACCEPTANCE are hereby notified of the following : ANY and ALL consent assumed or obtained by AUTOMOBILE ACCEPTANCE from the consumer, ( XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way, therefore I am investigating the validity of the " consent '' assumed or obtained by AUTOMOBILE ACCEPTANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged a overdraft fees even after I had linsuffucent funds available. Then they closed 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 2018-03-23
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought this XXXX XXXX truck back in 2015 from XXXX XXXX XXXX in XXXX NY. They included mechanical coverage upto XXXX miles without my knowledge and have not mentioned in the discussion we had worth {$3800.00} which is Insane. I got to know when i was looking at my amount paid and balance and then i called them to check and they said we do it daily. Means its with every car they sell but was never discussed with me.

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 2023-11-08
Company: Maximus Education, LLC dba Aidvantage
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Attempted to speak with a representative over the past XXXX weeks with no success and wait times for hours with no answer

Company response to consumer: In progress