BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
**** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOU**** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOUXXXX  On XXXX, I submitted documents for an employment data report from THE WORK NUMBER by Equifax . The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed THE WORK NUMBER as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. After submitting the reply on XXXX, I also attempted to call THE WORK NUMBER in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for THE WORK NUMBER by Equifax and they were supposedly able to get a message forwarded to a manager regarding this issue, but it appears that has not helped. 

I then opened a complaint with the CFBP on XXXX, which the company responded to by completely ignoring my message and sending a copy of my regular credit report. They clearing lack any sort of reading comprehension skills. I AM NOT ASKING FOR A REGULAR CREDIT REPORT. I AM DEMANDING MY REPORT FROM ___THE WORK NUMBER__ which is owned and operated by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I co-signed for my son 's dad XXXX to get a new truck in XXXX that is currently being financed with ally financial. in XX/XX/XXXX Ally reported to the credit bureaus the account was past due. it was not I have made several attempts to dispute it from my credit report and have been unsuccessful full. I have been going back and forth with ally about this account because XXXX will not refinance to do whatever he needs to get me off this account with him. XXXX took me to court in XX/XX/XXXX claiming I left our primary residence and that I was in contempt of court. I was breaking the court order. the same year XXXX XXXX also filed a fraudulent tax return and claimed me as his spouse knowing I was already married to someone else and got a tax refund off of me because I didn't work that year. I would have mentioned this information in court while I was accused of breaking our court order but I did not know until 3 months later when I was registering for school and count get financial aid because my tax information didn't match what the IRS had. My point is XXXX doesn't get it both ways. what XXXX put on the paperwork for ally is false he said so in court and its illegal to lie on your credit application where he works and lived is false

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 2022-09-08
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: Personal information incorrect

Complaint:
On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: U.S. BANCORP
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Elan Financial Service violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Good afternoon, In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and purpose. 

Please assist! 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: United Student Aid (USA) Funds
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My ex wife opened a credit card in my name without my knowledge and has been using it for the last 20 years. I just found out and contacting the credit card company to no avail. They will have NO authorization from me on file to have opened this credit card because I didnt do it. I need it removed 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 2021-01-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attorney General XXXX XXXX announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 

Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 

The deficiency on my loan has been waived and the balance on my loan has been forgiven. 

Please, delete this account from my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've been trying to recover this check from PayPal since XX/XX/XXXX, XXXX, to no prevail. 

The transaction ID is : XXXX It was {$570.00} with a check fee of {$1.00}, equaling {$560.00} Its unacceptable how PayPal makes it impossible to speak to a human being when calling their listed number. It appears PayPal intends on conveniently overlooking processing this pay-out. 
I can only imagine how many people they do this to. 
This transaction was a payout from my son 's PayPal account. My son was allowed to create a PayPal account with all of his information and my son was allowed to collect money using Paypal as his payments processor, but when he wanted to withdraw his money, suddenly PayPal sent him an email stating that he was not of legal age and that his account would be closed and his access was immediately restricted, preventing him from withdrawing this money. 
When he called PayPal, at the time, he was told that his legal guardian/parent would have to speak to PayPal in reference to the funds being paid out. I took the phone, as his mother and after a brief conversation, I was told that his check would need to be mailed out instead of the usual direct deposit method commonly used to take funds from a PayPal account. A Transaction ID Statement was emailed to us and after waiting for months and never receiving the check that corresponds to this transaction ID, we have been trying to contact PayPal in vain, ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Unjust Enrichment through Mass Cross-national Corporate Espionage Embezzlement of Private Financial Data using False Alarm channeled through a Federal Office. 

I now see no indication that there was an OPM data breach. What I now detect are false flags implemented to grift American Citizens into handing over financial data, including social security numbers, and credit rating control to a foreign actor. 

They used then Representative XXXX XXXX XXXX 's office to influence the public to do this. 
He sent a letter to that effect on XX/XX/2015. On that day I raised consternations about the OPM data breach events and XXXX XXXX 's suggestions back to the representative 's office. I detected XXXX to be a 'person of interest ' or organization of interest related to that hack. Ever since this occurred, I have personally been de-addressed, de-represented, and de-matriculated from the financial system, this includes not being provided a replacement social security card, and not having my claims to Congress treated by any member therein,. 

XXXX XXXX is now a senator, and XXXX turns out to be Experian, XXXX, one of the three major credit reporting agencies. It is a company headquartered in XXXX, not Texas, and led by persons who are not American Citizens. XXXX is not a part of the United States of America, and citizens of XXXX are not American Citizens. There status as a credit rating agency for American Citizens is a breach of Sovereignty and an absolute violation of the Declaration of Independence and other organic laws of the Union. Experian XXXX of XXXX masquerading as XXXX of Texas obviously exploited the reports of OPM data breaches ( whether they occurred or not ) to influence a member of Congress ( XXXX XXXX ) to then influence his constitutions to enrich Experians corporate database so that Experian could operate as a credit rating agency empowered over Citizens of the United States of America. This is racketeering, influence peddling, corporate espionage, and a hand-off of financial power from citizens of the United States of America to foreign nationals on an individual basis. 

See attachment. 
This complaint also filed as FTC Complaint Number 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 explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.

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 2021-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Credit Acceptance Corporation. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.

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 2019-03-18
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
XXXX XXXX  XXXX has reported two bank accounts to XXXX XXXX  ( a credit reporting agency, in part ) in which they allege both accounts were closed for alleged account abuse and that the account where both closed in overdraft status. 

I attempted to seek clarification through XXXX XXXX on this matter on or about XX/XX/XXXX. XXXX  XXXX  XXXX simply stated their information was correct that Account # XXXX, Routing # XXXXXXX was closed on XX/XX/XXXX in overdraft status. And that Account # XXXX, Routing # XXXX was closed on XX/XX/XXXX in overdraft status {$82.00}. 

At no time do I recall be notified such accounts were closed due to account abuse or that the accounts where closed in overdraft status. Certainly, XXXX XXXX XXXX provided no notice as then or now to support such allegations under the Fair Credit Reporting Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Nelnet, Inc.
State: GA
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:
I have scheduled several payments ahead of time so i do not fall behind on my loan payment and Nelnet has stated that my finical institution has rejected them each time. Each time i go and check with my finical institution and they have stated that they do not have a way to do that and that the ONLY reason for it to be rejected is if there is not enough money in the account to process the payment. I have made sure there is more than enough money in the accounts for it to go through. I am trying to do what i am suppose to in being responsible and paying my debt off and this starts with paying the interest first. My interest is accumulating now because i am not allowed to pay more. I have tried to call Nelnet to talk with a representative. I have waited for OVER TWO HOURS to speak with someone when there is no wait time or even a stated wait time for my call to be answered. They have rejected 4-6 extra payments already and i am already fed up with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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: Information belongs to someone else

Complaint:
I have contacted XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. 
the following items should be investigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a lease agreement at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was in a XXXX XXXXXXXX situation living in the property which the property manager was aware about. I stayed until my lease was over and I had a past due balance which was paid in full prior to me leaving. I tried to go back to my email receipts which the property manager sent me on XX/XX/XXXX stating that I was paid in full and now I'm not able to access the emails at all, it's now saying " This message can not be loaded '' as if it was tampered with. I've also reached out to the property numerous of times regarding this issue leaving voicemails and constantly calling throughout the days with no contact back. I'm very concerned with this issue because it's affecting my credit report and the last interaction I've had with this property ; I was in good standing.

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