BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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 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 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 2020-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had taken out an auto loan in XXXX and i had purchased gap coverage. When the vehicle began totaled they tried changing the term of the agreement stating that because the loan was behind on payments the gap coverage doesn't cover the whole loan. Which I don't understand because gap insurance wasn't purchased through them. On XXXX XXXX I had a vehicle become totaled by a accident. I provided all necessary information to the financial institution credit acceptance to process for GAP. The company came back a month and a half later stating they received the payment for XXXX they paid {$7900.00} and gap only paid {$5300.00} leaving a balance of {$3400.00}. We asked several times in XXXX why was there still a balance when we had GAP they said because the vehicle was behind on payments and GAP wouldn't cover the whole thing. We reached out to the GAP company to find out why only a portion was paid. They stated they paid what the finance company reported to them and would have paid the entire amount, but was only given {$5300.00} which they paid. In XXXX they sent the account to a law firm for collection. We have been unsuccessful in resolving this issue.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I submitted a direct dispute with the Virginia Department of Social Services, which they received and signed for on XX/XX/2022. They have failed to report my information correctly as pertains to late payment history. They have been notified to update the reported information correctly, which they have failed to do so in a timely fashion. It is now 30 days after initial notice. I demand that this inaccurate information be removed from my XXXX, XXXX, and Transunion reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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: Was not notified of investigation status or results

Complaint:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX a contractor named XXXX XXXX of XXXX  XXXX XXXX XXXX charged my DISCOVER credit card for {$2500.00} for foundation work done on my property at XXXX XXXX XXXX XXXX XXXX TN XXXX I was in XXXX XXXX CA so I had no way of knowing if foundation work was completed or not had to trust his word... 

In XXXX of XXXX I get an email from my realtor that foundation work had to be done before house could be sold so she sent pictures and statements so I had work done again by another contractor XXXX and they fixed work meantime I called DISCOVER bank to get a dispute of {$1200.00} of the {$2500.00} since XXXX XXXX XXXX XXXX only did half the work. 

When I called DISCOVER bank in XXXX of XXXX they issued me a temporary credit of {$1200.00} and I sent documents to them what realtor sent to me so I thought that was the end. 

In XXXX of XXXX DISCOVER bank reverses charges and my account is now over the Ratio limit which kills my credit they informed me I needed necessary documents and once I sent all documents I was told sorry its been over a year we can't help you. That's sad when numerous agents assured me for months that I would receive relief and not to worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We had a wire transfer not authorized by for XXXX twice on XXXX Bank then closed all of our accounts checking, savings, credit cards & debit cards. They would not let us access our accounts because of wire transfer fraud. We have banked at this Bank for 43 years. We have all of our money in this bank USSA no access to our money. We dont have any money to pay our bills and buy groceries. We dont want to be hit with a lot of overdraft charges for something we did not cause. Need to just get enough money out to pay our bill, House, Car etc

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XX/XX/XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX XXXX. The account that I am disputing is CITIBANK. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$3400.00}, with an amount past due!! 
There is also a collection that has been added to my account with XXXX XXXX XXXX involving this Citibank account. 

I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. Citibank has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.

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 2023-05-18
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have requested an audit of my account to determine proof of payments & my request was denied. Payments have been made on the loan, but are not posting, so I'm receiving late fees & being charged daily interest on balances that are not owing. Lender is refusing to provide my financial institution with transaction reports showing their attempts to debit ANY amounts for towards the loan. 

Payment made XX/XX/ via online banking in the amount of {$150.00}. Merchant states the transaction rejected, but are unwilling to provide transaction details. The account number used to make this payment matches the account number the merchant has on file for online payments. The funds were available & we have been unable to determine why this payment was rejected. 

XXXX made XX/XX/XXXX  via online banking in the amount of {$88.00}. Merchant claimed it was never received. This transaction was rejected, merchant states 'incorrect account number '. Without transaction reports, the account number entered for payment can not be determined as correct or incorrect. 

Payment made XX/XX/ via XXXX in the amount of {$170.00}. Merchant claims it was never received, XXXX has confirmed payment was not returned, so where is it? 

This merchant has purposely setup their online banking system to reject payments from willing customers while continuing the charge fees for non-payments. This is a clear violation of their contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2023-02-15
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:
An accordance with the fair credit reporting act. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning XX/XX/XXXX, I have been receiving harassment phone calls from a debt collector. I belive the name of the agency I have been given is Portfolio Recovery Associates. 

The debt they are attempting to collect is not valid and was removed from my credit report by all three bureaus after a dispute. 

This company has continued to harass me making up to 13 calls back to back repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 been working with a credit repair agency and actioning myself to clear fraudulent and inaccurate information. XXXX has actions and respected all findings to be true my score is XXXX points higher. Trans Union refuses to accept, action, remedy, or follow up with any dispute this far two years into the process. I contact them and just get pushed to order a credit report. I try to dispute directly with the bureau, and the dispute step is frozen, and I can not move forward with any complaint.

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 2022-06-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke to an EQUIFAX representative that advised that I needed a valid police report or an FTC document indicating that the inquiries in question were unauthorized. No other solutions were offered and incorrect information was not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 that a consumer reporting agency can not furnish an 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 or 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 2023-05-16
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 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 2023-02-27
Company: EQUIFAX, INC.
State: NY
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/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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