BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A car was purchased with my name forged and social security used without my permission. My mom died and left the car debt with me, and I was not able to pay for a car I did not purchase. I explained to Exeter finance LLC that the car did not belong to me and that I did not purchase this car. The original balance on my credit report states XXXX. They repossessed the car and left a current balance of XXXX on my credit report. It is affecting my credit score and hindering me from getting approved for any other loans. This is a violation of the FCRA and is in violation of Exter finance LLC compliant reporting standards. According to the Fair credit reporting act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. I would like for this to be immediately removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: GA
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. 


Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-06-10
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LOCKHART MORRIS & MONTGOMERY DEBT COLLECTION COMPANY IS REPORTING ON MY CREDIT REPORT AS AN OPEN ACCOUNT DATE AS OF XX/XX/23 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF. THE BALANCE. TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL. OF SALE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.

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 2023-06-27
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-14
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX was supposed to come pick up the XXXX XXXX from my apartment. They are wrongfully charging me for internet usage when I already left my apartment due to my lease being up plus a missing box fee. I spoke with XXXXXXXX XXXX XXXX  and they have called me repeatedly, harassing me for payment when I do not owe them. At all. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Thaxton Investment Corporation
State: TN
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:
On XX/XX/XXXX I noticed that my credit score had dropped XXXX points. I found that Covington credit had opened 4 accounts. After speaking with them I was told they did not know why and could do nothing about this. The last time I had business or any communication with covington was XX/XX/XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, has violated my rights. 


15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Several attempts have been made to resolve with both the seller, XXXX and PayPal ( guaranteed protection money ) to no avail. 
On XX/XX/XXXX XXXX I saw an ad for patio furniture. I bought using PayPal to ensure protection value ( receipt provided ) XXXX XX/XX/XXXX XXXX I went to the email confirmation to check tracking information. Clicked on Order # XXXX, this link directed me to store details, immediately it then directed me to a Store Fraud link ( screenshot below ). I emailed the seller contact listed to CANCEL ( XXXX ). I contacted PayPal XXXX and filed Case # XXXX stating Unauthorized Transaction ( since i canceled ). I received another receipt email stating Payment CANCELED ( screenshot below ) XX/XX/XXXX XXXX I went to PayPal and found that they closed the case stating it was not unauthorized. I had received a Failure-Notice email on that contact email provided. 
I re-Opened another case XXXX with PayPal XXXX explaining the situation and providing documentation.PayPal closed that one stating seller provided proof of delivery and tracking number. 
Immediately, I contacted XXXX to trackdown this supposed delivery. XXXX provided me with the tracking # details and researched the issue. Stating that it is obviously fraud, as the valid proof delivery details are BLANK and never delivered to me. 
I opened another PayPal XXXX Case # XXXX and provided everything from XXXX. 
XX/XX/XXXX XXXX PayPal closed the case again with NO EXPLANATION ( Not eligible? ) XX/XX/XXXX XXXX I tried to open another case # XXXX to dispute the status results and they automatically defaulted the case to Closed. NO Explanation This company is supposed to have a protection plan for the consumer from online Fraud just like this scenario. I have an ample amount of evidence supporting this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-08-08
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am XXXX XXXX. I recently started making payments to repay on this useless student loan to improve my credit. Great Lakes isn't reporting the payments to the credit bureaus even though my loan doesn't need to be paid right now. ALSO, they are only applying my payments to INTEREST ONLY on my loan. I'm being scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was the victim of a stolen Macy 's credit care back in XXXX and XXXX of last year as I was sick with XXXX. There were numerous charges on my card. I conctacted Macy 's and reported the stolen credit card as well as flied a police report with chicago police and the claim was still denied under the rationale that I did not supply enough information. The fraud department waited until one week before the 90day period was up to contact me. I appealed the decision and was still denied

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 2023-06-27
Company: Experian Information Solutions 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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2021-11-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1. The account holder banked with BB & T.

2. The account holder was deemed to be unable to manage her property in a legal proceeding for the appointment of a guardian of property and of her person.

3. BB & T accepted the Court Order appointing the guardian and the guardian began managing the account and paying the ward 's bills.

4. SunTrust and BB & T merge and become Truist. 
5. Truist 's On-line banking system will not permit on-line bill pay access for the account. 
6. The XXXX calls Truist Customer Service seeking a resolution and gets sequentially referred to someone who will handle the inquiry. 
7. Truist personnel advise that it is the bank 's " policy '' not to let a guardian access bill pay features of its on-line services. 
8. It is pointed out that a guardian is the legal equivalent of the account holder and can transact all business, from closing and account to paying bills.

9. Bank personnel advise without explanation that it is simply the " policy '' of the bank that he can not do so electronically, and that the guardian has to use written checks to pay bills 10. This makes no sense to the XXXX, since, for example, he can clearly close the account, he asks who is responsible for establishing this " policy. '' 11. Bank personnel avoids the questions, refuses to respond and advises in effect that the policy is the policy. 
12. Bank personnel suggest that the guardian change the nature of his relationship to the account in its records, which, it is pointed out, would be improper since he is court appointed, and doing so would be a misrepresentation and misconduct by the guardian.

13. A request to speak to a superior is denied.

14. A request for contact information for the source of the " policy, '' is not only denied by Bank personnel, but the existence of such a place is denied. ( Which has to be an outright false statement, i.e. a lie. ) 15. No explanation is given, and even the means to request an explanation or to suggest a change in the " policy '' is denied.

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 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a Summons/Complaint from Midland Credit Management dated XX/XX/XXXX. Received no prior documentation/never heard of this company prior to getting this so was not able to properly verify/validate the debt. There was also no supporting XXXX  documentation attached to this summons/complaint proving their ownership and accurate balance, so was unable to properly decide what to do. Summons says {$1600.00}. 

Since there was no previous communication from Midland, went and pulled credit reports and found discrepancies reported on the balance due/past due balance and also dates of last active between the 3 bureaus, as well as the original creditor still being listed as the owner of the account, all of which are currently in dispute with the bureaus. 

Submitted a generic answer to the complaint XXXX XX/XX/XXXX XXXX stating there was not enough information to either admit or deny their claims, and included counterclaims for FCRA/FDCPA violations. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX law firm suing ) then sent only 12 months of statements from XX/XX/XXXX to XX/XX/XXXX when they state the account was opened in XXXX XXXX many were duplicates XXXX. The information on these statements directly contradicts the information being reported on the credit reports. 

Then sent letter back to them on XX/XX/XXXX telling them this partial list of statements was insufficient to prove their claims and asked how they were able to properly verify this information with so little documentation prior to suing? Also mentioned their responsibilities per the XXXX CFPB consent order and subsequent lawsuit in XXXX XXXX due to these business practices, and demanded that they dismiss their lawsuit since they still up until the date of this complaint have yet to file anything with the court. 

Then XXXX XXXX sent another letter on XX/XX/XXXX with a " settlement offer '' still without providing the required XXXX documents that were requested. Refuse to even consider/discuss settlement until this documentation is provided. 

On XX/XX/XXXX received a " discovery plan '' that is due within 14 days, still with nothing filed with the court. 

Received an answer to counterclaims on XX/XX/XXXX denying all of the counterclaims. 

This law firm XXXX and Midland are continuing to harass/intimidate and litigate this outside of the court room. Even though the written disclosures were not provided stating they will provide this XXXX documentation within 30 days, have requested this information multiple times from law firm XXXX and they continue to disregard this important request for documentation. 

Law firm XXXX are also aware that this is clearly in dispute with both Midland and the bureaus, and continue to disregard this information as well, and are continuing with a " lawsuit '' and collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2023-10-11
Company: EQUIFAX, INC.
State: MD
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:
There are unauthorized inquiries on my credit report that i did not consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of XXXX Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following XXXX Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation