BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Recovery Solutions Group, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX the XXXX specialist from Recovery Solutions Group has called my office many times and been asked to stop calling he proceeded to call on XXXX and spoke to a office employee and told her I owed him more then XXXX dollars and he was going to seize all my assets and everyone would be out of work. He also threatened to send people to our office to take care of business if I didnt respond. My employees feel unsafe at work and afraid they are losing their jobs.on another occasion I was called and threaten also with men coming to my office to handle business and before I could even respond he hung up on me. We have been having to walk each other to the car at dark in fear that some men are coming to harm us. Today XXXX a man did come he handed me a envelope and proceeded to try and take photos of my staff and my office saying they were coming with a XXXX to load up my office and seize my business and charge me XXXX what its worth because it was being sold at auction. I have let them know I currently have a lawyer representing me and I gave them the info to contact them. I was told that it dont matter they are not a legit company and are ripping me off. The man also waited outside our office taking photos of employees with out their permission and making them very unsafe feeling. I need this to stop my self and my employees feel un safe and scared to come to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Someone tried to use my identity to apply for credit at the following : XXXX XXXX ( XXXX and XXXX ) XXXX, Reported by XXXX on XX/XX/22

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 2021-01-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I cosigned a car loan for my sister in XX/XX/2020. I had an excellent credit score so XXXX XXXX XXXX switched our Social Security numbers and put my sisters Social Security number under my name and my Social Security number under my sisters name on their forms. As a result XXXX  is now reporting my identity as formerly known with my sisters name as my former identity. What Nissan did was unconscionable. XXXX XXXX Nissan fraudulently misrepresented information by putting me on the loan as the primary applicant instead of a co-signer. They also fraudulently reported that my sister and I were one person ( an AKA identity ) This has caused my XXXX  credit score to plummet 100 points. I have made several efforts to contact Nissan. I spoke with XXXX ( Nissan employee ) as recently as XX/XX/2020. I then spoke again with XXXX XXXX ( Nissan employee ) on XX/XX/2020. On both occasions they admitted to the error but have not rectified the problem. On XX/XX/2020 I called Nissans corporate office and filed a formal complaint. They reached out to XXXX XXXX Nissan who promised once again to rectify the problem but true to form, they never made any attempt to rectify the issue. This has caused me financial problems with regards to my ability to transact business. Im a XXXX XXXX and this has affected me adversely. So far XXXX XXXX Nissan has made no effort to rectify this problem that they created. They continue to give me the runaround and make promises to fix the problem without any intention of ever doing so. Their refusal to rectify a problem they created leads to the obvious conclusion that they knowingly committed fraud by falsifying vital information in order to benefit financially. A conversation on XX/XX/2020 at XXXX with the owner of XXXX XXXX Nissan, XXXX XXXX once again yielded nothing. Mr. XXXX called me and attempted to to act like he had no idea what his company had done. He asked me to forward documents which I promptly emailed to him immediately. Of course Ive never heard back from him after sending him the proof and at this point, I really didnt expect to. I believe from our conversation that as the owner Mr. XXXX XXXX is fully aware of, if not party to his companys fraudulent actions. XXXX XXXX Nissan did something criminal by falsifying information on a loan application and thereby committing identity theft. As a result of Nissans fraudulent actions, my credit score plummeted, dropping by more than 100 points and negatively impacting XXXX XXXX and my personal life in numerous ways. The fraudulent actions taken by XXXX XXXX Nissan has caused me immeasurable stress and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Razor Capital, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out. 
A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to ask you for help in admonishing XXXX for their wretched, selfish behavior. 

They were my mother 's all time favorite store. Prior to her death, mom had ordered {$44.00} worth of clothing, which happened to arrive while she was in the emergency room. She knew then, I guess, after 7 years of XXXX, that she wasn't going to come home, even though we did not understand that. She asked us to return the items, which we did the day after they arrived. 

She died XXXX weeks after being admitted to the emergency room, on XXXX XXXX. She was in tremendous pain during that time. 

XXXX charged us {$19.00} for the return -- but not until after her death, so a couple weeks after the return. Fine. 

We received the bill on XXXX, which was the day it was due. 

On XX/XX/XXXX. I called and asked for a grace period of another week as we were in deep mourning. " XXXX '' said no problem. I still mailed the {$19.00} that day. 

On XX/XX/XXXX, I called because I'd gotten yet another bill, and " XXXX '' asked me to mail the death certificate, which takes XXXX weeks to receive in MD. They said when they received it they would remove all of the fees and not to pay any fees or bills. 

I did so on XX/XX/XXXX. I sent everything they asked for. 

The bill became {$29.00}. 

Then the bill became {$60.00}. 

I also called repeatedly. But now, everytime I call I have to enter in her card number, then her social security digits -- and only then did I get a message that their office is temporarily closed. I have called more than 12 times and this is what happens, so I'm guessing they don't want to talk about this account. 

On XX/XX/XXXX I finally mailed the next bill for {$60.00} just to stop the craziness. 

They held this check for nearly 3 weeks before depositing it, which meant it was deposited late. Everyone else I paid on that date deposited the checks within a few days. 

Today, XX/XX/XXXX, I have yet another bill for {$60.00}. Sent less than a week before the due date which is XXXX ... which means if I pay it, it will be late -- and they will send yet another bill -- a week before it is due. 

Is this ever going to end? 

No one else is this rude. Everyone else answers their phones. 

Everyone else heard that my dearest, most wonderful mother had died and carefully helped us to close out her bills. I'm not asking for anything here other than how to close her account and stop receiving these late bills from them. 

The {$19.00} should have been the final bill. 

Please advise. I really do not know how to resolve this short of blasting them on social media. 

Details : XXXX XXXX XXXX is the name of my dear mother

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
In XXXX, I submitted an RMA ( Request for Mortgage Assistance ) application to XXXX  ( XXXX XXXX XXXX ) and was informed that I had been placed in a deferral program. However, I was completely unaware that my loan was going to be transferred from Achieve. This unexpected transfer caused confusion and added complexity to the situation. 

Unfortunately, I have also been dealing with issues related to fraud, which have had a significant impact on my ACH ( Automated Clearing House ) drafts. These fraudulent activities have caused disruptions and financial strain, making it even more challenging to meet my mortgage obligations. 

In my attempts to rectify the situation, I have sent checks to XXXX as a means of payment. However, despite my efforts, it seems that there has been a lack of transparency and deception throughout this process. Additionally, I have experienced harassment through incessant calls from various numbers, including my wife 's XXXX, for reasons unknown. 

Overall, this situation has been incredibly frustrating and distressing. I am seeking resolution and clarity from XXXX  regarding the transfer of my loan, the impact of fraud on my ACH drafts, and the deceptive practices that have been observed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: WA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX VIOLATED MY PRIVACY ...... 

15 U.S.C. 1681 Section 602A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a request for debt validation to the creditor, XXXX XXXX on XX/XX/18. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. XXXX XXXX has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, Equifax and XXXX  Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

cc XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX other XXXX XXXXXXXX XXXX XX/XX/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 2023-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a scam transaction with someone on XXXX for the purchase of a golf product on XXXX. After they sent me screenshots of supposedly sending the product via XXXX, I sent {$420.00} via my XXXX account. I waited several days for the product which obviously never came. Attempts to contact the criminal and get my money back failed. I contacted my bank Wells Fargo and they ultimately said, there was nothing they could do to help credit me the money. So in the end, I got ripped off {$420.00} for using their stupid system instead of a credit card or some other method that would have my back.

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 2021-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I mailed a dispute letter to XXXX. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, XXXX  failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. XXXX  's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to XXXX  on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. XXXX  mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. XXXX engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2021-01-03
Company: Experian Information Solutions Inc.
State: UT
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:
I have disputed with Experian about incorrect address information XXXX 2020 and they returned with information on XX/XX/2020 that my information has been verified. This information is not a verified by human eyes or hands. Experian is using E-Oscar to verify old addresses. I have already submitted information to Experian showing I live at another address which is not associated with my address. This erroneous information on my personal information on my credit report effects getting loans and getting a home loan I was told this makes my history of residence look like a jumper and they can't tell if I have permeant address.

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