BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
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 belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, XXXX, XXXX, and Experian have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF 1999! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XX/XX/XXXXand below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME :XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal closed my account due to unauthorized account activity back in XXXX or XXXX after me filing several disputes due to this unauthorized account activity that I had no knowledge of nor did I authorize them. They completely blocked me from my account with no access to to nothing including my disputes and the bitcoin an euthcoin that I investmented in and bought through my account PayPal. XXXX it's XXXX and still nothing. I've tried

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Armed Forces Loans of Nevada Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I would like to apply XXXX benefits but was denied. Im from a key provision state Louisiana and can show proof but they won't honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all 3 should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. XXXX did not respond at all. Transunion sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of XXXX, XXXX, and Transunion.

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 2022-11-14
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Merchant : XXXX Date : XXXX Amount unknown I attempted to rent a car but was unable to complete the transaction. but I received a survey asking me about the rental. I never received a confirmation and unaware whom or where to pick up I do not have a reference number as I did not authorize any transaction as my computer did not Each time i TRY TO CONTACT nfcu either request a call back or try to handle financial matters I am sent to multiple places and nothing is done and no return phone s=calls as I have requested multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account number : XXXX 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX 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 2023-10-27
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! XXXX never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NV
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 submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is not correct.I informed them that the public records information should be removed due the laws below.

15USC 1681b ( 2 ) 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 did not give written instructions to any of these bureaus to obtain this information.

Also, 15USC1681 ( q ) states that 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. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers.

18USC1028a ( 1 ) states that ( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

U.S. Bankruptcy Court Type : XXXX  XXXX Bankruptcy Status : XXXX Reference # : XXXX Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Liability : {$0.00} Exempt Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I finally got the information as to why I have a charge from the company Commonwealth Finance XXXX XXXX XXXX XXXX PA XXXX that is just now being placed on my credit report from back in XXXX it's XXXX over 5 years old now from a XXXX XXXX emergency physicians office they stated to me it has to do with my daughter I'm XXXX I have Medicare Medicaid I'm fully covered as well as my daughter information at the time if she even saw them at that time was given to them however I'm assuming they didn't file for the payment until XX/XX/XXXX in which over 5 years ago I'm guessing Medicare Medicaid doesn't go back 5 years for medical billing issues she still is fully covered so I'm not understanding why they didn't file at 5 years ago why they didn't try to file it in a timely manner which is not my fault at all however it would appear that they're still trying to get me to pay for services that was covered by a medical insurance that she still has and that I still have it sounds like a their problem however they're now just now attaching it to my credit report and has put my credit in the toilet because of their incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
OMG - AFTER SUBMIITTING SUBMIITTING MY REQUEST TO HAVE THIS ESCROW ATTCOUNT REMOVED ON OR ABOUT XX/XX/XXXX. THAT THEY JUST MADE ON XX/XX/XXXX, XXXX A {$15000.00} TO NOW LEAVE ME WITH A NEGATIVE ESCROW BALANCE OF $ XXXX TO MY INSURNCE COMPANY AFTER I HAVE PROVIDED MUTLTIPLE PROOFS THAT - I AM FURIOUS AND THIS IS UNBELIABLE BEHAVIOR ON BY THIS COMPANY - JUST 3 DAY DAYS AGO I REFVIEWED MY ACCOUNT AND HAD A POSITVE BALANCE - THEY DID ALL THIS AFTER I HONORABLY SUBMITTTED TO HAVE MY ESCROW -- -- THIS BEHAVIOR IS OUTRAGEOUS!! THIS WAS ALL DONE AFTER I SUBMITTED A REQUEST TO DISCOUNTINUE THEIR ESCROW ACCRUAL ON MY ACCOUNT- THIS IS INTENTIONAL AND DEVIOUS. " PLEASE NOT I STARTED TYPING THIS NOTE BELOW AND JUST CHECKED MY ACCOUNT TO FIND THEY MADE A PAYMENT AFTER RECEIVING MY NOTICE TO DISCONTINUE - I AM FLAT OUT ANGRY- THIS IS DISHONEST AND INTENTIONAL -- -- I have met every criteria to have Selene Finance no longer collect escrow from me for my mortgage account. Selene Finance is collecting double the amount that is necessary. I now have more than {$4000.00} in escrow and my XXXX XXXX XXXX is being paid directly by me. Further, the more than {$2000.00} a month they are collecting for escrow is needed for my own household for myself and XXXX boys. I got a letter in response to them stating the process may take 30 days to review. I find this completely unnecessary as I have met all criteria to have Selene Finance stop collecting escrow from me. It is absurd! I am demanding an immediately action to reduce my monthly mortgage payment to just principal and interest, and allow me the homeowner to better manage my monthly household expenses myself with more than {$2000.00} that I will put towards providing for my XXXX boys. Thank you. XXXX XXXX XXXX. PLEASE SEE ATTACHED SELENE FINANCE LETTER ILLUSTRATING I HAVE MET VERY CRITERIA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
This is my XXXX request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance has been improperly reporting missed payments every month to the credit agencies which is hurting my credit horribly. 

I had a repo back in XXXX due to the pandemic I had got laid off and couldn't afford my payments anymore. They took my car and then sold it and I still owed a little over 5k. From then till now they are now stating that I owe {$11000.00} and counting as it is increasing every month which I do not know why as they have not communicated anything with me. 

I believe they are not being fair by charging me over double the original amount owed after the repossession was made and now they are not only hurting my credit but affecting my life as I an unable to apply for certain things due to this account. 

This company has repeatedly abused the rights to every customer they have or had. As you can verify they have even been sued many times for violating peoples rights and most of whom are minorities just like me. 

This is wrong, unfair, and unjust to charge someone over double of what they owe in an unjustifiably, and abusive manner.

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 2023-12-07
Company: MRS BPO, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at XXXX in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. XXXX collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. XXXX said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with XXXX or the collection agency MRS BPO , LLC. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX XXXX XXXX. The suspects are currently in XXXX and awaiting XXXX.

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 2022-11-10
Company: SYNCHRONY FINANCIAL
State: NM
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:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

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