BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX ( XXXX ), Credit Acceptance Corporation, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and Credit Acceptance Corp and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. Credit acceptance corp is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX2018 and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the surgery ( XXXX hospital XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-01-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I I had to fill a application for special assessment as legal residence. XX/XX/XXXX I did that and XXXX. County mailed me a check for Back Taxes paid I called Rishmore I gave them permission to draft out the check from XXXX County to pay back escrow account my check amount was XXXX confirmation # for payment is XXXX. I talked to. A person named XXXX would not give me last name told me to send this year tax assessment and they will fix the monthly payments.the tax payments were XXXX last year. and now XXXX are XXXX On XX/XX/XXXX they applied it to house payment. I called them again. And they said they had not filed it right and once more tried to put it in as a house payment. They have not fixed this problem and I keep asking for a supervisor and I get no supervisor. I have no clue what my monthly payment should be. the actual payment was XXXX and they can not give me a reason to try to. Charge me XXXX. The taxes are less they have said it's a mistake on their part. And they would expedite this Asap. I CALLED again they told me they put it in a house payment I dont have to pay till XXXX. I told them Again stop putting my escrow in the principle payment. Again I was told they would expedite it immediately .they gave me false address to mail tax bill. And gave me a name XXXX phone XXXX. If you call. XXXX 's not there. Please help me. No one in that company will update the monthly payment correctly and want to force me to pay a higher monthly payment. I can not afford a higher payment. And I even had A mortgage broker to talk on a 3 way call to explain the issues and they never corrected it and continue convey to me it's their fault.but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Someone steal my credit card information to make online purchase and even steal store login information as below : Date : XX/XX/2023 at XXXX XXXX ET Online Store : XXXXXXXX XXXX XXXXXXXX Amount : {$130.00} I called card issuer to claim this purchase not made from me around XX/XX/XXXX at XXXXXXXX XXXX and issuer sent me a replacement credit card and research my fraud claim. I also got email from XXXX XXXX XXXX XXXXhat my order was on the way by XXXX at XX/XX/XXXX at XXXX XXXX. I chatted with XXXX XXXX XXXX  late night to stop shipping this order coz I didn't make this purchase but it seems can't stop anything due to goods were processing. I got email today at XX/XX/XXXX at XXXX XXXX  that order has been delivered!!! It's really made me upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Information belongs to someone else

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 reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}. Please delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/2018, $ XXXX+ was taken out of my Bank of America checking account. That same week I called and complained about the money being taken out. The total came from two different areas, one in XXXX XXXX and one in XXXX XXXX. I was in XXXX XXXX for the weekend with my girlfriend for our anniversary. I even made a purchase in the XXXX XXXX ( about an hour from XXXX ) at XXXX XXXX. But that weekend I noticed that someone had purchased something at a Target in XXXX XXXX and at a XXXX XXXX in XXXX XXXX. I called and got credited all of my money back. 45 days later I got a letter in the mail saying they were taking back the {$390.00} and that the case was closed. I wondered why me? Why is my money being taken for no reason? I trust my bank to protect my money but even when it gets taken they cant give it back. I called multiple times and they would tell me that the purchases were made with a PIN number ( which nobody knows but me ) and that for that reason they can not give me my money back. I called a few more times, waiting hours on hold to talk to people who were rude and seemed like they didnt want to do their job, just for them to finally tell me to send a letter in the mail. So I sent a letter, kind of like this here, describing the situation. Around the beginning of XXXX I finally call again to check on the status of my claim. It had been over a month since I sent the letter, but they were still working on it. They told me to wait about a week or two and Id get a final response. Well, it has been over a month since I last called. Im a XXXX   XXXX trying to pay for school and other expenses while being taken advantage of by my bank. I dont know what more to do. Those {$390.00} could be used to pay for books or a meal plan so I wont starve this quarter.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2019-01-08
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/19 i received a phone stateting i was being sued by debt owe 12 years ago. Which I dont recall ever heaving. They also call my work and family members. Not sure if they're Legit. Without me giving them my ssn number they had already told my what it was. According to them I owe {$790.00}. When i told why did this never show up in my credit report? I was told that whennit sold to a 3rd party i might not show. Im not sure if they are the real thing.

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 2023-01-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my Experian. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXXXXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and Experian are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.

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 2022-03-03
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I received a loan through American Credit Acceptance in XXXX. I paid 31 payments on the account in the amount of {$15000.00} between XXXX. In XXXX, due to some financial hardships and supporting myself and my partner with one income, I had struggled to pay my car payment. I tried working with them and set up payment plans and made payments when I could, however they did assign a repo on it last year, XX/XX/XXXX and I maintained communication with them verbally and through their online portal. 

XX/XX/XXXX I called and spoke with a rep to make a payment to bring the account current and be able to access my online account again and have it reflect positively on my credit report - the rep advised they would agree to this and I made my payment. 

XXXX I wasnt able to access my account to make or schedule any payments and when I called to speak with a rep they advised it was in a charge off and they couldnt remove it from that status- I called multiple times and spoke with multiple people and was told this couldnt be done. 

I sent an email to them requesting to settle or pay-to-delete or remove them from the title as I still have the vehicle. 

Ten days after the email was sent, I see they updated the account on my credit report to closed, charged off as bad debt and updated the balance to 16k.

I would like to return the vehicle as is in exchange for a paid in full correction to this account.

Because I paid over 16k during the length of my loan, and somehow the principle never was lowered, and I made an additional payment of 2400 this year, I believe I have completed on my end the loan agreement and would like to close this out and move on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  XXXX XX/XX/2022 I contacted the company about the inquiry witch they told me there's nothing they can do I would have to contact Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 non-monetary relief
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 XXXXXXXX under Account # 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

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX. I need my report to reflect this address. I haven't looked at this report since 2021. My address was XXXX XXXX XXXX, XXXX tx 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 2021-09-10
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Below is the complaint I filed with PayPal inc. The company is refusing to release my funds until after 180 days even though I have been compliant in authenticating my identity. 


Filed with PayPal Friday, XX/XX/XXXX Reference ID : XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am NOT requesting that my account be re-opened or allowed to continue to use the PayPal service, as I respect PayPal 's decision to suspend my account. 

I simply would like my funds to be released as swiftly as possible seeing as I have not been involved in any fraudulent or illegal behaviour ; I simply made a business account BY MISTAKE instead of a personal account. I do not own a business and thus the {$800.00} USD in my account is money I made on my own accord. I do not have any customers and thus the 180 ban in order to await customer disputes is invalid. I have proof of NOT owning any sort of business attached to this account, that of which I am happy to provide PayPal with evidence. Also, I had previously contacted PayPal to ask them how to downgrade my account from business to personal AND when prompted for showing identification, I do so properly. I was then suddenly banned without proper warning. 

Furthermore, I am currently overseas and am in need of these funds for traveling back to America. I will begin my travel next Tuesday ( XXXX ) and am in need of these funds. I have proof of my travel such as my ticket and and passport and am happy to provide evidence of this to PayPal directly. Without these funds, traveling to see my family ( whom I haven't seen in 4 years ) will prove extremely difficult if not impossible for me. 

I have previously requested a review/appeal of my case which was denied even though I was compliant and offered proper authentic identification for the issue. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I will be filing complaints with my respective agencies in America if I am not satisfied with PayPals response to this request to release my funds, respectfully. 

Finally, I do NOT wish to have my personal finance information kept for 180 days as I would like to completely terminate my business with PayPal.

Company response to consumer: Closed with explanation