BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
the amount of the car on my credit report is XXXX, this not account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I obtained a copy of my credit report via XXXX. Problems occurred and I wrote XXXX and was given a phone number to get report. I got reports. On XX/XX/XXXX I sent a letter to Experian with a list of corrections to report number # XXXX report dateXX/XX/XXXX. On XX/XX/2019 I received another credit report # XXXX dated XX/XX/XXXX. It stated " you are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. '' Not True ''. None of the corrections in my letter were addressed. Trying to contact Experian by phone is impossible and their website has no way to contact to speak to anyone. This is in violation of the Fair Credit Reporting Act. I also sent corrections letters to XXXX and XXXX XXXX on XX/XX/2019. I have not received a response but assuming it takes more time. However, Experian sent a new report without responding to my request for corrections.

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 2018-02-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient For the past year I have had to file several deferments and forebearances, trying to get my payments with Navient to a reasonable amount. They just replied today XX/XX/18 with a {$390.00} payment plan. I have sent numerous requests as well as proof of income. The only things I can get are temporary forebearances that hike up the interests later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MI
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:
The following accounts are fraudulent and do not belong to me. I demand immediate removal. 

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX/XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,

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 2023-09-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been reaching out to Paypal since XX/XX/2023. They asked for a compliance letter a few months before this issue. I provided it to them. I got the approval, all good email. Then out of no where in XXXX my account gets locked. I see a notice saying I need to provide documentation proving we are compliant now because they don't approve of me selling my product online. ( Which we are compliant with the state, so this is annoying to begin with. ) Other wise my funds will remain locked. 
I had our legal team prepare the official letter and submitted it the beginning of XXXX. Nothing changed with my account 5 days later, so i reached out to them again. I have been contacting this company non stop since. They have a weird glitch going on in the website, saying I have another step to complete, even though it has been completed already. I even had an open tech case with the company, that was closed saying it wasn't a tech problem. Their company needed to " review '' the issue in the backend team. That never seems to do their job I guess. 
I have attached my record of every convo that I've had with them, including phone calls. There's too many to put down in this box. 
All of their employees say the same thing basically every time, " We don't know, we will escalate your issue, our back team has to approve this and you should hear back in 5 days. '' They are withholding money ( {$210.00} ) from my business for regulations I am clearly in compliance for. And have zero intent to do anything about it apparently. This is going on almost 4 months now and Im still getting no where any time soon. Its been over a month since they have even tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NM
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 have identified accounts on my report that are a result of identity theft. I have not given XXXX, XXXX, or Experian written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX  Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXXXXXX XXXX Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXXXXXX  Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This hard inquiries doesn't belong to me : 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 explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting relentless phone calls over the past month. There are too many calls to list. I would miss anywhere from 2-4 calls almost every single day. These calls were mostly made while I was at work. I spoke with a member I believe on theXX/XX/XXXX I explained my situation and why I was unable to make a payment at this time. I was pressed and pressed for more and more information and to why I have not made a payment. The call was not only invasive, it was disrespectful. She informed me that I would not receive any calls for 3 to 4 days. I received multiple calls the very next day. It was the same thing. Nothing I said was accepted and they kept pressing. I asked them to stop calling. The calls have yet to cease. The have harassed me every single day of the week multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/XXXX I purchased 2 pairs of shoes on sale on the XXXX website. I received a confirmation email, and it was from XXXX XXXX XXXX which is a company I never heard of and did not order from. I went to the XXXX  website and found that they were not having a sale and when I went back to my confirmation email, there were links to view the details of my order and their website both of which were nonexistent. There were no terms of service, cancellation policy etc., because they do not exist. The only the contact was an email address which I immediately sent an email requesting cancellation. I sent 3 emails and then contacted my credit card company, Citi, and they said I could dispute the charge if it posted. It did post and I filed a dispute. From that point on, I have been going back and forth with them. They supposedly heard back from the merchant who simply said that the product was mailed, and they closed my dispute. I called them and they reopened it because I explained that I have had no contact/communication with this seller and the site does not exist. I sent them all the emails I had, and they closed it again saying I needed a confirmation of cancellation from the merchant. Again, I explained there is no confirmation of cancellation because this merchant has not contacted me in any way and their site does not exist. I asked them to get proof from the seller that it was shipped, and they said they do not do their investigations like that, and they could refer me to a supervisor to take a look at it.. I just received a notice saying they can not help me, and I needed to get a credit from the merchant. I never had any communication with a supervisor even though they said that I would be contacted. I am so frustrated. They take their word without any proof. I am being charged {$110.00} for a product I never received.

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 monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Over the past year I have compained to both XXXX XXXX and Transunion about the attached account, where as XXXX XXXX is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been fighting with Robinhood to get them to unrestrict my spending and investment accounts for 11 days now, since they restricted it for " suspicious activity '' on XX/XX/31 when I tried to use my debit card linked to my spending account at a grocery store XXXX mile from my house. I had the correct PIN to use the debit card, because I tried twice, and I had used the card before multiple times before that. I have provided the following documentation to Robinhood to verify it was me : picture of my driver 's license, pictures of myself from multiple angles, picture of SS card, and two bank statements. That's a lot of documentation for something like this, it seems. Especially ridiculous since I talked to them on the phone and verified my identity several times. There is zero sense of urgency on their end to resolve the issue, all the while my money is locked up. It's not an insignificant sum of money for me either. I get that suspicious activity happens and Robinhood has to protect me and itself. Those documentation requirements are seemingly a bit onerous, but, setting that aside a minute, there needs to be some timely resolution of these issue. Robinhood advertises that you should go direct deposit with them. Imagine if I had done that? I'd be 10 days without access to my pay! I have no idea why things are so messed up there, but they are. Someone needs to look into Robinhood and their practices before someone gets hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY 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  FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK 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 2019-01-22
Company: ALLY FINANCIAL 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I received a statement from Ally Bank that I had been denied for an auto loan when I went into a dealership on XX/XX/XXXX to receive financing. They had ran my credit with 3 different credit bureaus : XXXX, XXXX, XXXX XXXX. Ally Bank only reported my scores for XXXX ( 800+ ) and XXXX  ( XXXX  ). I was denied an auto loan based on my low innaccruate score from XXXX. When I tried reaching out to XXXX to dispute this credit score, I receive no response back and their phone line goes straight to voicemail during normal business hours. I called Ally Bank and they said they've never heard of XXXX before and that they usually go through XXXX. I believe XXXX is a scam credit bureau and I was denied approval for an auto loan due to this company and I have no way of disputing it.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

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