BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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 Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete 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 2023-09-11
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Midland Funding called a few times am a credit card account opened in my name.. I expressed I have no knowledge about this card.. After a while I noticed this account on my credit report and called and again let them know this is not mine. But since the amount was not big and this account is weighing on my credit report, I offered a settled for a removal.. Midland Funding declined numerous times.. I was informed that I could make a complaint, so I decided to do so. I also report them to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX for multiple locations for over 11 years. When I sold my home in 2020, I turned in my equipment and completely cancelled service because I was moving out of state and could not transfer service. I had my realtor drop off all equipment and confirmed that my disconnect notice was put in. Fast forward 2 months later, I called to check on the final bill and was told the bill was significantly higher than it should have been. I was told i was charged for equipment as well additional monthly fees as the account was not terminated per my initial request. The initial request was submitted via a XXXX corporate location not via phone. I called in as I was now in Maryland to try and resolve the issue. I provided the equipment drop off slip confirming that all equipment was indeed turned in and to address an adjustment of the account for the overage charges for the additional time of service, past the requested service termination date. A representative claimed my account was submitted for a service adjustment and that it would be updated that the equipment was confirmed to be received. I was advised the adjustments would take at least a billing cycle to reflect the final bill on the account and that it was closed. I gave my new address in XXXX MD as the address of record to send the final bill. 

We proceeded to check with XXXX several times over the next few months awaiting the final adjusted bill. They refused to adjust the account as promised and even charged late fees and then an account termination fee. Despite our detailed information regarding the agent via the corporate store and the promise to correct the billing. They then charged the account off and placed it on my credit file. They never sent the adjusted bill or resolved the additional month of service from the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
I opened a credit card in XX/XX/XXXX, and closed the account in XX/XX/XXXX. Prior to closing the card there was an annual fee that billed to the account and due to not receiving my statements the account went 30 days past due on XX/XX/XXXX and 60 days past due on XX/XX/XXXX. 
I don't have the account number any longer but the number showing on my credit report excluding the last 4 is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
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: Public record information inaccurate

Complaint:
There is a Bankruptcy ( XXXX ) listed on my credit report. It XXXX belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the XXXX bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the XXXX was " verified as accurate ''. Equifax stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed XXXX in compliance with the Fair Credit reporting Act ( attached ). This proves that Equifax did not verify through XXXX. XXXX stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that XXXX listed and they stated they did not report it nor did they verify it as accurate. XXXX stated they verified it as accurate and provided no further information. XXXX also states on its website that it verifies XXXX using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: A & O Recovery Solutions, LLC
State: DC
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of 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 purpose 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!

Company response to consumer: Untimely response
Consumer complaint received 2023-03-07
Company: HomeTown Lenders, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My personal information was disclosed to sellers ; social security number, credit history, income, address, and marital status. I am attaching the paperwork that disclosed this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Discovery has 2 inquires in my account in XX/XX/XXXX and one in XX/XX/XXXX, XXXX has inquiry in XX/XX/XXXX I didnt not authorized per FRCA File # 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # 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 2022-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I reached out to Credit Acceptance in XXXX of XXXX stating the retail installment agreement was invalid as there were many violation per 15 USC. I received a email from XXXX XXXX requesting a call to her to resolve. I later received a letter stating that all of the documents and reasoning I sent as to why the contract was invalid would not be upheld even though the laws stated the violations. No where in the contract does it say I can rescind at all. I then sent a cease and desist and requested to rescind the vehicle, after researching I found that not only was I not given the option to rescind 15 USC 1635 but I was violated as the dealership requested a down payment 15 USC 1638, the amount of {$2800.00} was added to the total but that was also subtracted from the down payment. The down payment took the total to {$32000.00}, how is a down payment added to the total of the car, shouldn't that be deducted if anything? The finance charge was {$11000.00} which should have been the sum of all charges per 15 USC 1605. The transaction was cash and credit which was unlawful per 15 USC 1638. The insurance should have been included in the finance charge. The vehicle was said to been sold for a little over {$8700.00}, leaving me still owing {$6700.00}. Per XXXX XXXX the car was only worth $ {$9500.00} on XX/XX/XXXX of XXXX Credit Acceptance along with XXXX XXXX have violated laws pertaining to this contract/ car transaction.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on 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
Consumer complaint received 2022-03-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am not sure of this account with XXXX XXXX  XXXX. This account is unfamiliar to me and I don't remember having any agreement with them. This was reported in EXPERIAN so I believed EXPERIAN was not able to investigate this account promptly. Please supply any signed agreement with this company.

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 2021-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted XXXX  and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted XXXX  for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. XXXX has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Due to the COVID-19 pandemic many air travel tickets were cancelled or changed departure, arrival time as well as routs. I cancelled our purchased tickets for XXXX vacation what we purchased last year ( prior to pandemic ). First my credit card issued a refund but recently they reversed the tickets charge back due to the airlines replied to the dispute that the tickets are non refundable. However being a long time air traveler I know that there is a customer protection law that if an airline changes departure / arrival time for more than 15 min, customers have the right to cancel the purchased tickets and get reimbursement for money paid. I was able to contact XXXX XXXX reps who promised to issue a credit for the flights purchased. However I can not contact XXXX XXXX XXXX. 
XXXX XXXX XXXX  changed our time and flight rout but there is no way to contact them as they cancelled USA customer service ( ph # XXXX ) and I do not know Portuguese to call their XXXX office. If I log on their web site with our booking # XXXX there are our names only but no any tickets associated with the flights we purchased because flights were cancelled but new routs / tickets were not offered. I reported all of this to the Citi Creit Cards dispute department. Yet Citi card reversed the charge in XXXX XXXX XXXX favor so I do not have tickets or money pair for them.

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 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
State: AL
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 have 2 hard inquiries on my credit that I did not make. This is clearly fraud. 
The dates of both inquiries are as follows : XXXX, XXXX. XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation