BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
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: Reporting company used your report improperly

Complaint:
I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, 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 consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report. 

These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " 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 have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization.

I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' ( Furnisher of information to credit agencies ) The financial institutions and Consumer Reporting agencies XXXXXXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from XXXX, Experian, and 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 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 receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( 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 CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

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 2023-10-06
Company: Experian Information Solutions Inc.
State: MA
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:
I am writing to bring to your attention certain discrepancies in my credit report provided by Experian, which require your immediate attention and resolution. On XX/XX/XXXX, I initiated contact with Experian regarding these issues, but to date, I have not received a response. The inaccurate information pertains to the following accounts : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} I believe that the reported balance is inaccurate, as I remember it being lower. Furthermore, I request that the Past Due amount be deleted from the report since this account is closed and charged-off. Given the impact of this information on my credit score, I kindly ask you to mark this account as disputed to prevent further negative consequences. 

XXXX Date Opened : XX/XX/XXXX Reported Balance : {$7500.00} The reported balance for this account does not align with my recollection, and it is adversely affecting my credit reputation. I urge your agency to review the Past Due information since it is inappropriate to list a Past Due amount for a closed and charged-off account. This discrepancy has likely contributed to a drop in my credit score. I request that you mark this account as disputed to mitigate further harm to my credit. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} I am concerned about the accuracy of the reported balance for this account, as it appears higher than I recall. As this account is indicated as closed, the inclusion of a Past Due amount is misleading. I intend to address this issue directly with the creditor but request that your agency marks this account as disputed during my efforts to resolve it. 

XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} I have reservations about the reported balance for this account, as it appears excessively high compared to my recollection. Since this account is marked as closed and charged-off, the inclusion of a Past Due amount is inappropriate. I am in the process of clarifying this matter with the creditor and, in the interim, request that you mark this account as disputed to prevent further harm to my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this 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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions 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:
there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had rare XXXX on my knee which i had to go back home for XXXX. the XXXX   XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX  consumer usa also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, I purchased a round-trip to XXXX XXXX leaving XX/XX/XXXX and returning the same day XX/XX/2023 through XXXX XXXX. 
The return flight was canceled. The confirmation number # XXXX. XXXX agreed to refund me for the ticket plus the seating upgrade. The ticket purchase amount was {$190.00} and the seating upgrade was {$68.00} totaling {$260.00}. I spoke to XXXX on several occasions and they stated that the refund had been processed through their end and they were not sure why PayPal had not refunded the money. They provided me an email with a cancellation notification which I provided to PayPal several times as file a resolution case with them. 
I spoke with a customer service rep at XXXX XXXX on XX/XX/23. Her name was XXXX and she was located in XXXX XXXX. She indicated that there had been some issue on their end with the refund and the refund was going to be processed through PayPal that day. She provided me with a transaction # XXXX. She indicated that the PayPal refund of {$260.00} would be returned on XX/XX/23 in addition to the {$250.00} for the original price of the ticket because of all of this inconvenience to me. She indicated that this was an approval by a supervisor with the name of XXXX located in New York. The total amount should now be XXXX based on my conversation on XX/XX/23 which I have yet to receive. I provided PayPal with all of this information and they denied case with no documented response from XXXX XXXX. Saying that I received the service. I provided them with the XXXX  email and the information above. Poor investigation completed by PayPal. Shame on them for not protecting their consumers and allowing this happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Us auto sales closed on XXXX of XXXX. A lot of us consumers didn't know who to pay how to pay etc because sometime in XXXX they shut down the payment portal. My last payment was on XX/XX/XXXX through the portal. I reached out to the girl who sold me the car and she said she couldn't help me and didn't know who to call or what to do either. Around XXXX I found out westlake supposedly had my contract. I called on XX/XX/XXXX, told them I will make payment but I want the original contract and the new contract that states I have to pay them. I have been disputing this personally with westlake since XX/XX/XXXX. I belive they are charging me a higher interst rate than on the original contract. I still do not have proof of verification that I owe this debt to them. I am paying on a debt that I don't even know legally if I am supposed to. They don't have my name on some documents, when they email some of them don't use my correct name. How can I be sure? I am being charged a late fee on the XXXX of XXXX and payment was not do until XX/XX/XXXX. I was charged interest on the XXXX of XXXX but westlake didn't take over until the XXXX of XXXX. How can I be charged late fees to a company that didn't have power of attorney or anything yet? I have a future late fee on pay off for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
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 just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.

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 2023-10-26
Company: MOHELA
State: OK
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:
On XX/XX/2023, I received an email from Mohela that my " request for forebearance '' was approved. I did not request a forebearance. I am working toward the PSLF and these months in this " administrative forebearance '' that I have been placed in from XX/XX/2023 - XX/XX/2023, is costing me TWO MONTHS toward my 120 eligible payments. This forebearance, that I did NOT request, was merely emailed to me. I do not even have the option to make a payment!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AZ
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:
The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/XXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts 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 explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, 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:
Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2024, I sent a dispute letter and reported a dispute to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$980.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received any response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus.

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.

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