BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had gotten a auto loan with XXXX XXXX in XXXX, and They did repo the vehicle in XXXX for failure to pay. But I have constantly tried to get this company to correct info on my Transunion Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. 
This is how it was listed in XX/XX/XXXXand still listed as of this complaint, Transunion say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,

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 2019-11-18
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have been using the Venmo app for almost 3 years. I was told on XX/XX/2019 that my account has been frozen due to unauthorized transactions and behavior not consistent with user agreement. I immediately questioned them about this through chat and phone and was told they would look further into it. On XX/XX/2019 I was told After thorough review of your transaction history and account activity, we did not locate any signs of account compromise or unusual device/location logins for this payment activity to be submitted. I have no record nor any feedback about how this issue came up and was immediately shut down by the Venmo support team. I was treated like a suspect and was threatened with collection action if I dont pay them this imaginary debt. I recently tried to log into my Venmo account ( XX/XX/2019 ) only to find out it was permanently closed, which prompted me to message the Venmo support team and inquire about the debt again. I received no human feedback rather a automated response saying : Venmo is at its sole discretion to deactivate accounts for activity we deem high risk at any time, per the terms of our User Agreement. I apologize that we're no longer able to serve you. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs.When cases like this arise we do not release detailed information on our internal risk procedures for the ongoing security of our users and our platform. 

I am being told I owe {$700.00} for transactions not made by me nor authorized by me, yet am being accused and threatened with collection action. This is ridiculous treatment by a crooked company who clearly is looking to take advantage of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bridgecrest had made loan modifications and payment agreements with me during the Covid -19 pandemic, I informed Bridgecrest I was unemployed and sick. 

As per the 'Cares Act ' Fair Credit reporting addendums, I am and have been asking for he 'Late Payments ' to be removed, it is having a huge negative impact on my credit report and score from all three credit bureaus, XXXX, XXXX and XXXX. 

Bridgecrest has not removed the 'Late Payments ' for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: PA
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 2 LATE PAYMENTS REPORT IS INNACCURATE UPDATE TO PAID AS AGREED LATE PAYMENTS ARE INNACCURATE

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 2021-04-07
Company: BMW Financial Services NA, LLC
State: MA
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:
Hello, This is in regards to the BMW of XXXX, MA service center installing a faulty radiator in my car XXXX which they have admitted to in writing ) and are refusing to fully compensate us for the damages. 

Attached you will find the emails, texts, service order invoices, time stamped and dated screenshots of my cars warning lights after multiple consecutive failed service diagnosis regarding the same radiator issues, a independent diagnosis from XXXX confirming the smoke and engine damage were possibly coming from the damaged radiator, and a invoice for the real damages fromXX/XX/XXXXXXXX  BMW in Maryland. 

My compliments to XXXX  BMW for diagnosing the smoke/engine failure issue within just a few hours of dropping off. As you can see in the notes of the service orders I had asked BMW XXXX to diagnose the smoke smell and same issues over three consecutive services, which they did not! XXXX  BMW immediately called us and said our car was no longer safe to drive on the highway. 

This means BMW of XXXX let my fianc and I drive away in a unsafe car after charging us thousands of dollars for service that never fixed the issue, yet completely damaged my engine which I serviced regularly and loyally at BMW service centers. 

As you can see in the attached documentation ; not only did BMW of XXXX install the faulty radiator they admitted to doing so in the attached emails and let us drive around with this defective part for 9 months. ( Unsafely ) As you know a faulty radiator is the way the engine stays cool and hence properly lubricated by keeping the oil temperature at safe levels. This most likely has cause irreparable harm to my cars engine and the expenses are much more than the car is worth. Ive taken really good care of this car at BMW service centers consistently since we have owned it and Ive put my faith in them to keep my car from damaging it self and possibly harming us in the process. 

My fianc and I had to get a hotel for two nights near the XX/XX/XXXX BMW service center, and had to rent a car to be able to drive back home to the XXXX area. Now we are stranded here without our car trying to recover from the covid-19 pandemic and feel abandoned and left with out any options. We are currently paying for a rental car in order to manage our daily lives. 

NOTE : my attached evidence file is too large to upload here, please send us a link to upload or email this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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:
XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.

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 2019-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have gone above and beyond to provide Equifax with a ton of evidence confirming inaccurate accounts on my credit report and over the past year, they ignored my disputes several times. Ive included evidence showing Equifaxs negligence in handling these issues. Below are the Balances and Payments reported by each credit bureau. Please just look at the huge difference between what Equifax is reporting compared to XXXX and XXXX.

Balances : - XXXX {$6500.00} - XXXX {$4700.00} - Equifax {$31000.00} Payments : - XXXX {$310.00} - XXXX {$240.00} - Equifax {$830.00} This is extremely significant and has been very detrimental to my family and me. Im XXXX XXXX and live apart from my wife and children in a different state due to my current orders. As a result, Im forced to take an XXXX to work and back every day because I cant get approved for an auto loan solely due to my Equifax Report, which is unfair because the information is completely inaccurate. In addition to that, I was just recently denied for my first VA Home Loan because Equifax brought my score down so much, I missed the minimum 3 score average requirement of XXXX. I dont know where else to turn or what else to do, please help. These accounts below are whats reporting inaccurate and I have provided XXXX/XXXX XXXX XXXX requested to have this deleted off my report. This was already  deleted by XXXX and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested to have this deleted off my report. This was already deleted by XXXX  and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX The same account thats listed above, The Original Creditor ( XXXX XXXX XXXX ) requested deletion of this account and it was already deleted by XXXX   months ago. 
See Investigation Results from XXXX  Deleting This. 

XXXX XXXX XXXX and XXXX were both UNABLE TO VERIFY and DELETED this account? 
See Investigation Results from XXXX  Deleting This.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Key 2 Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX on XXXX XX/XX/2021 to report identity theft for credit report # XXXX. However, no customer service person from XXXX was available to take down the information. Therefore, I reported identity theft to the Federal Trade Commission XXXX XXXX XXXX. 

Key2Recovery Inc, put an account into collections as a direct result of identity theft from the XXXX and XXXX data breaches. On XXXX XX/XX/2021, I immediately disputed the information with XXXX which did not remove the information. The dispute remains pending with XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: College Loan Corporation
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Loans XXXX XXXX  ( {$72000.00} ) and XXXX XXXX  ( {$36000.00} ) state origination in XXXX. I did not have any loans originating in the year XXXX and assume that these refer to loans originating between XXXX and XXXX. The issue here is that the loan term I recall provided discharge after 20 years on these loans. I am currently being asked to continue payment on these loans for another 10+ years. No MPN ( master promissory note ) is available to review on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-12-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, XXXX and Midland Funding LLC regarding incorrect reporting on my Credit report. Midland Funding LLC has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. Midland Funding LLC has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 Midland Funding Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for the Debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I called to get my payments lowered I was told I needed to do a forebearance/deferment several times. I have spent through all of them and now do not have anymore for an emergency. I had asked them several times about PAYE or REPAYE like I have with my Federal Loans and they said they do not offer it. I explained that the payment they offered was too high per month. The only option I was offered was a reduced interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX # UNKNOWN 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 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 consumer person knows or has reasonable cause to believe that the information is inaccurate. 

NO CONTRACT WITH THIS COLLECTION COMPANY. Police report on file

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 2022-10-27
Company: AmerAssist A/R Solutions, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERASSIST AR SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from 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  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation