BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account XXXX XXXX XXXX XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have done my due diligence to get this debt validated and to no avail. I do not have a contract with portfolio recovery. In XXXX of XXXX  I filed a complaint and they responded that they will look into and it is now XXXX and nothing has been done. Therefore this account should be removed immediately from my credit report. All of the information listed on my credit has been altered and is incorrect. They are in direct violation of section 809 of the FDCPA and if the proper resolution is not rendered I will have to move foward with legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 2023-07-29
Company: General Motors Financial Company, Inc.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CCS Financial Services, 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 information incorrect

Complaint:
I started XXXX XXXX in XX/XX/XXXX. I called in XX/XX/XXXX to inform them I was moving, and would not need internet service at my new address, and to please terminate my account. The representative I spoke with informed me that there was an early termination fee. I provided her my credit card information to make payment and was told that was it. Months later I saw reports on my credit report from CCS that I had an account in collections for the amount of {$210.00}. I contacted XXXX who realised the mistake and that they had never actually charged me the early termination fee ( even though they took down my credit card number! ), and they acknowledged they had received my box and there had been zero activity on the account from the time I had called to terminate my service and when I was calling wondering why there was an account in collections. They acknowledged this was their error and agreed to CREDIT back all the charges to my account, and since the early termination fee never processed that I would pay that at that time. This was completed XX/XX/XXXX. I am now ( XX/XX/XXXX ) seeing this collection on my credit report. I contacted the collection agency who told me that because XXXX is reporting this as PAID in full that it can not be deleted from my credit report. EVEN THOUGH I never paid any outstanding debt in full. I paid a termination fee which they failed to process in a timely manner, and they reversed charges that should have never been charged to me in the first place. I have contacted them many times for ALMOST A YEAR regarding this and it is still not resolved. I have printouts of emails to document where they credited the account for the incorrect charges, and where I paid the termination fee after they failed to process the payment the first time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had money sent to me from a friend. Paypal wouldn't let me withdraw it. Their reps told me to transfer it to another account I had and so I did a partial of it then they put a hold on that account as well then I transferred money to my dads account and they put a hold on that account. They told me they closed my account an I would have to wait 6 months in order for me to get the money. 

On XX/XX/2018, I was sent a total of {$11000.00} into XXXX account. I then was unable to withdraw funds they had me send in Photo ID, took my social security number as well as a utility bill. I was told to send money to my other account which I did and was able to only withdraw {$200.00}. There was also a past due account with Paypal for {$520.00} which I paid with these funds. Currently There is {$900.00} in XXXX account, there is {$5000.00} in XXXX account which is my dads account I tried to request the money back but paypal denied the request and wouldn't let my dad send the money back to me either, I also have {$5000.00} in XXXX account. 

So Paypal is holding {$10000.00} that belongs to me. The person that sent me the money called paypal and was advised they couldn't do anything to help release the money even though the money was already in their paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, 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 alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XXXX XXXX XXXX  the information remains on my 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 2023-05-30
Company: Experian Information Solutions Inc.
State: AZ
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 Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 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 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 2023-08-19
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Phone Number ( XXXX ) XXXX NOT MY EMPLOYER 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  All Inquires need to be removed and this 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 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 Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax are and have been for over 4 years reporting inaccurate payment history of my XXXX XXXX' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and Equifax says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, Equifax, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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 information incorrect

Complaint:
I sent a USPS Certified Letter to Experian, XXXX, and XXXX on XXXX XXXX, in regards to several discrepancies I discovered on my consumer report. Please investigate and DELETE the following account : XXXX ACCT # : XXXX Why is this account reporting 2 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Last Activity is reporting 2 different dates. Delete this account. 
When the requested above Deletions are made, please mail me an updated copy of my consumer report. 
XXXX XXXX ACCT # : XXXX Why is this account being reported with 3 different Dates of Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX This account reports 3 different High Balances and 3 different Dates of Activity. Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Why is this account reporting 2 different dates of Last Payment and 3 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Activity is reporting 3 different dates. I am entitled to a complete and accurate report.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 2019-02-04
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made payments that are not applied to my account. I was working with the company and sent numerous forms of proof several times. For 3 and 1/2 weeks no one would speak or help me. Then all of the sudden they started talking to me with no explanation on why they stopped. I have had to start over to prove my payments. This company is a disgrace. Not only are they charging me fees, they have put my account in collateral recovery. No one knows what they are doing at this company and they charge horrible interest and keep adding time and fees onto my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I encountered challenges in determining the most suitable approach to address my concern. Consequently, I initiated contact with Loancare LLC through both telephone and email channels in an effort to resolve this matter. In the month of XXXX this year, my mortgage and escrow account were transferred from XXXX XXXX to Loancare LLC, during which time no issues with my escrow account were apparent. 

However, in XXXX of the same year, I was informed by Loancare LLC that they had acquired home and hazard insurance, alleging that I did not possess insurance coverage and that the previous policy from another company had expired in XX/XX/XXXX. 

To clarify my insurance status, I am insured by XXXX XXXX XXXX under policy number XXXX, which is effective from XXXX to XXXX annually. I verified with XXXX XXXX XXXX that my account was current and active. XXXX XXXX had made the payment for this insurance through my escrow account in XX/XX/XXXX, and no further payments were due until XX/XX/XXXX. 

In an attempt to communicate this information to Loancare LLC, I was redirected to a separate entity, " My coverage info, '' and provided an email address, XXXX. Regrettably, upon sending an email to this address, I received an " undelivered '' notification from XXXX. 

As it stands, I have exhausted all available means to rectify this issue, and Loancare LLC has erroneously charged me approximately {$2400.00} for insurance coverage that I had already purchased. Consequently, this unwarranted purchase has increased my monthly payments by {$200.00}. 

I am now seeking a comprehensive resolution to this matter and would appreciate any assistance in rectifying the situation promptly.

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 2022-04-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX are and have been for over 4 years reporting inaccurate payment history of my 'Santander '' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and XXXX says I made on time paymentsXXXX and XX/XX/XXXX. When I called Santander today XX/XX/XXXX, Santander has no record of me making any payment since XXXX. Santander will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with Santander as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. Santander Auto Finance, XXXX, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.

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