BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: CBC Companies, Inc.
State: LA
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:
THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX., XXXX,, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Apothaker & Associates, PC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey XXXX XXXX XXXX XXXX XXXX XXXX. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Zions bank is allowing accounts to pay automatic WITHDRAWAL payments that overdraw your account and charging {$29.00} per transaction that causes XXXX fee. They are gauging and even though we deposited checks that went into our account the day after, we tried to cover, and I called the bank directly to ask for forgiveness they said they only allow courtesy credit once a year. They are excessively charging these fees. Its outrageous and the fees should at least be lowered if not eliminated. How can we get this to stop?? See below We deposited check for 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

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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I met a guy on XXXX and he told me to invest XXXX and made good money. He taught me how to do XXXX. After one month he helped me to withdraw and the taxable income {$42000.00}. Later I got another error with incorrect account number cause it frozen and they asked to pay {$32000.00} to unfreeze. Additionally its not stopped. They said now they have to transfer to third party to do withdrawal with XXXX more. I called the mufg and found out it not doing XXXX invest. I called bank but they dont have any update

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 2021-01-16
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency is attacking my name and credit with all three of the credit bureaus with frivolous and fraudulent sums of money they claim I owe their client. They have never sent me one piece of correspondence nor one phone call regarding this false debt. I contacted AG of Florida and they walked me through my next steps for protection against this harrassing agency, XXXX XXXX XXXX XXXX, Florida

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello Today I received a letter stating I had opened an account with PenFed Credit Union. I have no knowledge of ever opening an account with this institution. I call to PenFed Credit Union and the first call was directed to rewards center. after a representative transferred the call. I called back and the call was placed on a very long hold, reprentative came back on said they were filing a fraud claim. I then asked to speak to a supervisor and again a very long hold time. This representative advised me that the account was opened XX/XX/2022. I asked who set up the account she had no knowledge of who opened the account. I then advised the representative that someone used all my personal information to open this account.Supervisor advised because I opened a loan with loan pal and i agreed to this account being opened. I never agreed and this may be fine print

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: LoanCare, LLC
State: MD
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:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after LoanCare LLC reporting 90 days late and my credit score was greatly affected.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Asked for Method of verification of two accounts on my credit reports, XXXX, Experian and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, Experian and XXXX  continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.

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 2019-12-01
Company: Westlake Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has honor finance and XXXX has XXXX XXXX   XXXX XXXX amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}

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 2021-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.

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 2021-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Upon reviewing, I see that Credit Acceptance Corporation had hidden fees in my car loan contract. I tried to tell them after purchasing the vehicle but less than 1 year later they repossessed my car due to impossibly high payments that were not the original terms. I explained this in person when I went to pick my car up after having it repossessed. They didnt care. I tried to keep up with my payments but they raised my payments a third time, I know now I should not have allowed them to do this. They repossessed the car right after I came home with my XXXX  and after that I just stopped trying to keep that car. This company has violated me. I was XXXX XXXX XXXX paying over {$500.00} a month for a used car for two years. The car shouldve been paid off but on my credit it says I owe over XXXX which is not what I signed to purchase the car for.

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: 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2021-01-18
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello guys, I bought a XXXX phone from XXXX XXXX XXXX store in XX/XX/2018. 
which phone was returned to the same store after a week ago. I do have proof of refund to the store. 
So I don't know why are they want me to charge again. 
Also I called to them so many times but they still sending me debt collection letter. 
please help me to remove this amount from my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$7100.00}, {$10000.00}, {$4300.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: AZ
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:
Hello my name is XXXX XXXX DOB XX/XX/, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) in the amount of {$770.00}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: U.S. BANCORP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX XXXX 
Definitely XX/XX/2023 I never received anything from Them either.onemain finance XXXX XXXX, XXXX  XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED XXXX  NOT 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 2021-01-17
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 fraud alerts or security freezes

Complaint:
XXXX XXXX lost a class action lawsuit for messing up peoples fafsa i received money back in a check form due to this and the campus that i attended is mow closed this part of the loan that the class action lawsuit involved shouldnt even be able to be included with my loans period they actually have to take it off 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