BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 XXXX 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. Also they aren't even in compliance with metro XXXX credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.

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 2023-09-30
Company: Experian Information Solutions 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:
This is my OTHER 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 inquiries 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 inquiries 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 2022-07-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Family income changed during the pandemic due to job losses and wasnt able to afford vehicle payments. Before this happened payments were on time.I informed credit acceptance I can not afford vehicle due to this. They refused to let me relinquish it. It took over a year for them to finally repossess it., sold the vehicle and now are attempting to sue me for the remaining balance. I denied this due to me informing them I can not afford. I wasnt the only person that suffered during the pandemic. They are during for XXXX they also offered an settlement amount of XXXX by XX/XX/XXXX but proceeded to serve me papers for court.the documents I was served says I failed to object to the amount owed which is false. They are attempting to push me into a debt I can not afford. I wasnt the only person affected by the pandemic.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$180.00}.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: OH
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:
Experian should not be reporting a collection/chargeoff in the amount of {$1500.00} on the CAPITAL XXXX BANK partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my Bankruptcy and needs to report a {$0.00} balance and the coding changed. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX XXXX  I sent a letter to Experian about a fraud inquiry that was put on my credit report, I asked that this inquiry be removed from XXXX XXXX XXXX on XXXX XXXX XXXX The I inquiry is fraudulent and needs to be removed.

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 2023-10-31
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I did not receive a bill regarding my student loan repayment that was to resume in XX/XX/XXXX per the federal government. When getting online to setup my account with Mohela, I had a payment due in XXXX and was not notified of this payment 21 days in advance as indicated by repayment guidelines. According to Mohela I had a payment due on XX/XX/XXXX and again on XX/XX/XXXX. I paid both today, XX/XX/XXXX, but am trying to get information about reporting to the credit bureaus. This payment request was not submitted to me in advance of the payment which was supposed to be at least 21 days before the due date. There are numerous reports/articles regarding this issue and how poorly Mohela is handling the student loan servicing from thousands of borrowers. Will this negatively affect my credit?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute with Ally bank XX/XX/XXXX : I got emails saying that my debit card was added to a digital wallet. I immediately opened the bank app and I saw 4 withdrawals of {$500.00} each made from XXXX XXXX. At the time I was in XXXX XXXX, XXXX. The transactions were marked Pending I immediately called the bank. Told them that these XXXX transactions were not made by me. They said that they will cancel the transactions, deactivate my debit card and send me a new card. 

The pending transactions disappeared from my account. 

XX/XX/XXXX : I came back to XXXX, saw that I received the new card and did not activate it. 

I opened the Ally bank app and saw that the XXXX transactions that were canceled on XX/XX/XXXX came back on XX/XX/XXXX and this time they were not pending. The money was withdrawn from my account I called the bank again. They said I can file a dispute. I filed a dispute. 

A few weeks later they put credit in my account of 4 times {$500.00}. The value of the missing money XX/XX/XXXX : I was checking the Ally bank App and I saw that the money was taken out again. XXXX transactions of {$500.00} each I called again. They told me that the dispute team came back and decided that the transactions were legitimate because they presented the physical card. 

This is impossible because at the time of the transaction I was out of the country with my card in my possession. I made an ATM withdrawal using the card in XXXX XXXX a few days earlier ( XX/XX/XXXX ). I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

I have screenshots of all the material. My airplane ticket, my passport stamps. Screenshots of the transaction i made in XXXX which show that i had the card on me. I have not been to XXXX XXXX in years. 

I tried to cancel these fraudulent transactions immediately as they happened but Ally made mistakes. They allowed them to execute 2 weeks later on a deactivated card. And their investigation came to the wrong results. No one could have presented my physical card in XXXX XXXX since i had it on me thousands of miles away

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act Account XXXXXXXX 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 604A. It also states a consumer 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 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/2016 in the amount of {$100.00} at a tabacco shop in XXXX, MN. The ecig was defective from the date of purchase. I contacted Capital One and did what they asked, but they never took care of the purchase per the cardholder agreement. I called back multiple times, sent images of the product and receipt, and did everything they asked. I have been trying to get this fixed for two years. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Follow-up 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 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 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 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 2023-01-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both XXXX XXXX and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either XXXX XXXX or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but Equifax and XXXX refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. XXXX is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. Equifax is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is XXXX XXXX in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: KY
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 Follow-up 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 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 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 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 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Capital One Subject : Notice of Dispute Regarding Inaccurate Credit Reporting I am writing this letter to dispute and rectify the inaccurate information being reported on my credit report by Capital One. I believe that Capital One 's reporting of my account has violated the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), specifically sections 1681c ( a ) ( 4 ) and 1681n. 

According to my credit report obtained on XX/XX/2023, it has come to my attention that my account with Capital One is not accurately reflecting the true status of the account. The incorrect information on my credit report indicates that the account is not paid in full, and furthermore, it does not accurately reflect that the account was paid as agreed. 

Under the Fair Credit Reporting Act, it is my right as a consumer to have accurate and up-to-date information reported on my credit report. In accordance with the law, I demand that the information regarding this account be promptly corrected to reflect it as " paid in full '' and " paid as agreed '' in order to accurately represent my credit history and financial standing. 

If the necessary corrections are not made within the statutory timeframe, I may be left with no choice but to pursue legal action to protect my rights. I want to make you aware that I have retained XXXX XXXX XXXXXXXX XXXX XXXXXXXX, who specialize in matters related to consumer protection, and they are prepared to provide legal assistance should the need arise. 

I trust that Capital One recognizes the importance of accurate credit reporting and will take immediate action to rectify this matter. I request that you conduct a thorough investigation into this dispute and promptly update my credit report accordingly. I also request that you provide me with written confirmation once the necessary corrections have been made. 

Please be advised that I am keeping a detailed record of all correspondence and actions taken in this matter, including copies of this letter and any other relevant documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require further information, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was driving down the plaza in XXXX, FL and I approached a stop sign. A lady walked to my vehicle and told me that there is going to be a XXXX XXXX dollar gym being installed in the space behind her. And she asked if I would like to sign up. I told her yes only if I can pay as I go. On the opening day I showed up and looked around the front area of the gym. Never explored any other areas. My debit card was charged XXXX for something I never asked for. I told the manager at the desk that I did not authorize this charge and he told me that I made a committment to pay until XXXX. So I was lied to when the lady said I can pay as I go. I never went! And I am still not going ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Porania, LLC
State: SC
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 have been disputing this issue with all three credit agencies to get them to agree to remove the negative items from my credit report. This have been going on for years now and I have reached out to credit repair companies with little or nothing with no resolution. Right now I have two bankruptcy on my credit report. A XXXX  XXXX and XXXX, but they are the same case and this type of reporting is not right. I have also sent them documents showing this with no response. So if you are trying your best to better yourself and get your credit back right why wouldnt they try and help. Also I believe that statutory timeline as defined by the Fair Credit Reporting Act ( FCRA ) for at least the XXXX  XXXX bankruptcy because thats been on my credit report since 2016. So if you guys can help in any way that would be greatly appreciated. Thanks and if you need me to send in any documentation please let me know.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-11
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report via credit karma, I observed a collections/charge off being reported on XX/XX/2023, for a XXXX XXXX XXXX XXXX account said to have been opened on XXXX XXXX. This is showing an owed balance of {$3000.00}. I was recently the victim of identity theft and had other fraudulent charges appear on my credit report from other retailers as well. I never signed or entered into any contract/agreement with XXXX XXXX XXXX XXXX. I never received any itemized billing statements from XXXX, nor have they made any attempt to verify this account or the charges stated. This account and any charges incurred were done fraudulently and without my knowledge. 

Convergent Outsourcing , Inc is now contacting me in an attempt to collect a debt from me on charges that were incurred without my consent or knowledge. These are fraudulent charges that I am not liable for.

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 2016-07-28
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The XXXX XXXX XXXX collection company has been repeatedly harassing myself and my husband on a debt ( supposed pay day loan ) that I do not owe. I have informed them to stop contacting me and they continue to do which is not legal. They have also divulged sensitive information related to my " so called debt '' to my husband which is also illegal. I am being harassed during work hours and my family is being harassed. Please help!

Company response to consumer: Untimely response