BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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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 2022-11-04
Company: EQUIFAX, 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:
Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( Equifax, XXXX, XXXX ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CCS Financial Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018. I submitted a dispute for a Public Record Bankruptcy to Transunion removed off my Transunion Credit File. The U.S. Courts have verified to me that that they in fact do not report such information to the Credit Bureaus. Furthermore, the address linked to the Bankruptcy is an address that's not on my Credit Report or is it an address that I lived at either. This Public Record has negative effect on my Credit File when it comes to acquiring Credit or applying for a Mortgage Loan. Per the FCRA & my rights as a Credit consumer, I've asked TransUnion Credit Bureau to send me documented copies that states the U.S. Court reported, verified or documented such information to them to place on my Credit Report. It's been well over 30 days and they have yet to provide such document.

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 2023-01-19
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email from XXXX for a card I didn't apply for and I'm already having issues with someone hacking my bank account and I need to fixed ASAP

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I submitted debt validate online on XXXX XXXX to capital 1, asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " XXXX XXXX XXXX. '' I have I idea who " XXXX XXXX XXXX '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at XXXX for earrings. I did have a XXXX credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the XXXX but all they sent was a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Since the end of XX/XX/2022 I have been trying to get Hyundai Motor Finance to transfer my title from state to state and for nearly XXXX months they have failed to do it, and at every step they have given me conflicting information or missed their own deadlines. 

XX/XX/XXXX- XXXX sent from insurance company to XXXX ( and they claim it was never received ) XX/XX/XXXX - Three-way phone call initiated by insurance company with myself and XXXX to confirm where to send letter again. Was told to fax XXXX. Spoke with a XXXX at XXXX and insurance company faxed it to XXXX XXXX times while we were all on the phone. No confirmation was ever communicated to me that it was received XX/XX/XXXX - Faxed another XXXX times by insurance company. Was escalated and told to email XXXX with the letter from the insurance company XX/XX/XXXX - XXXX with XXXX at XXXX around XXXX. Was told titles department received documents on XX/XX/XXXX. XXXX said it would take XXXX days to process and send to insurance company. Was never completed XX/XX/XXXX - XXXX week pass and the form was never sent. I call and was escalated to a XXXX, a supervisor at XXXX. XXXX submitted an official complaint and work order to complete the title transfer. I told her that I was going to start getting parking fines because of out-of-state license plate/title. XXXX said I would hear back from the escalated service people in XXXX to XXXX days. I stated that I would take them to court for daily fines XX/XX/XXXX - Received phone call from XXXX XXXX at XXXX at XXXX. She told me the the title would be sent to insurance company " by Friday [ the XXXX ] or no later than Monday [ the XXXX ] '' XX/XX/XXXX - Spoke to a XXXX at XXXX and was told it would be sent out the XXXX. He escalated me to XXXX, who was rude and dismissive of my concerns. He stated that titles are sent out " only on Tuesdays and Thursdays '' and this would be sent to insurance company on Thursday, XX/XX/XXXX, which contradicts the information I received from XXXX. 

This is the single most frustrating encounter I've ever experience with a company. I am beyond frustrated and it's starting to cost me real money. I just want to register my car in my new state and XXXX and a half months to complete this transfer is entirely unreasonable and borderline unethical.

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 2023-10-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
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:
XX/XX/23 I went to BMO Bank in the XXXX XXXX area of XXXX, Illinois. The purpose of my visit that day was to open a business banking account. 

Upon meeting with a relationship specialist I was immediately given a flyer about a business line of credit product for minority companies that bank with BMO. This was unsolicited by myself. I was only there to open a business banking account. 

After being hounded by the relationship specialist and branch manager about the benefits of the product BMO offers, I finally relented. I was told my XXXX credit report needed to be unlocked. I was told there would be a soft pull on my credit to determine my worthiness for product. 

I was confused why BMO needed to do a soft pull on my personal credit for a business credit product. When the credit pull was performed it was a hard inquiry, which I did not want or anticipate. 

Ultimately I was declined the business line of credit product. The reason was combined business and personal income was inadequate for the loan amount requested. 

My issues are as follows : Never was told this product would require a hard inquiry. 
Never filled out, completed or signed an application for this business line of credit product. 

When I asked BMO for my completed and signed application I was never provided any documentation. Then I requested that BMOs resolution department remove the inquiry from my credit report when BMO was unable to provide my signed application for the business line of credit. The resolution team refused to remove the inquiry 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 2022-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S. Code 1662 - Advertising of downpayments and installments ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount THIS APPLIES TO ALL CONTRACTS PLEASE CREDIT ACCEPTANCE STOP CLOSING OUT COMPLIANT, AND STOP LYING TO THE CFPB BECAUSE OF YOUR BIG NAME!! YOUR NOT INVESTIGATING ANYTHING YOU CONTINUE TO Wow cause a racketeering on my credit report. As you know under no circumstances is money supposed to be mix with a credit transaction please explain as to why this doesnt apply to the contract.

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: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a Mortgage back in early XX/XX/2023, was given an approval, the Pre-Approval letter expired XX/XX/2023. The offer I had made back in XXXX on the house was accepted XX/XX/2023. When my mortgage broker pulled my Credit Scores, Experian did not have a score for me. They lost my car loan. I have called them several times since then, and my loan officer on the car loan called them. As of XX/XX/2023, I still am not showing a credit score with Experian

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 2022-11-09
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I opened up and created a Square account for my business, XXXX XXXX XXXX XXXX. In creating the account Square requires business and personal information to be submitted. After this information was submitted, my understanding was that I was approved and okay to start transactions. On XX/XX/2022, I created an Invoice and billed a customer for service. On this same day the invoice was paid. This is a long standing customer with my business that I've had multiple successful transactions with thru XXXX XXXX. 

Once this payment was made, I logged into the account to figure out how to transfer the funds into my external bank account. I kept getting an error message. Later on that day I get " Urgent '' an email stating that Square is requesting additional information in order to get my business. I feel that this is information that should have been requested BEFORE granting approval and access to use their platform. I submitted all of the requested documents and information. The next day on XX/XX/2022, I get an email stating that they didn't approve the information I submitted and that my account would be deactivated. All that's fine, however, the problem at hand is they have my funds placed " on hold '' for 90 days. I don't know in what business world that this is legal and not fraudulent. To me it's like a bait and switch. They bait you in to create an account, you do a transaction, they ask for additional information, deactivate your account but KEEP your funds " on hold ''. Brick and mortar banks hold transactions for 21 days BUT 90 days?! This is RIDICULOUS AND TOTALLY UNACCEPTABLE AND NEEDS TO BE INVESTIGATED ESPECIALLY IF THIS IS THEIR NORMAL BUSINESS PRACTICE. 

I had called and spoke to a customer service representative one time and they had no answer except to wait for the 90 days. I requested a supervisor and/or to escalate the call and issue and was told that the Security Team does not take calls. Thereafter, any time that I tried calling in, they threw my phone number in a loop to where I was only able to hear robotic messages and not get thru to a human being. I called today and blocked my number, got through to a customer service agent and once he pulled up my information, he became robotic basically repeating the same stuff that the automated message line was telling me. Again, I asked for a supervisor and/or to escalate the call, he refused and the said he was ending the call and hung up on me. 

All things aside, I WOULD NEVER do ANY other business be with Square or refer them to anyone. At this point, I just want my rightful and legal funds to be transferred to me IMMEDIATELY and not after a 90 day hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXXXXXX XXXX and the XXXXXXXX XXXX XXXX did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the XXXX XXXX XXXX stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.

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