BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: American Credit Acceptance, LLC
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:
This complaint is to inform the CFPB that my privacy is being violated by this lender. I previously notified the company that I was invoking XXXX Form of opt out notice to consumers ; opt out methods. 
As of today, the company has been evasive in complying with my notarized affidavit. My time is valuable. 
And the law requires a lender to comply within ten business days after receiving this notice. 
Included in this letter is a copy of the document they received on the 2nd of XXXX. Sent to their post office box via XXXX XXXX XXXX XXXX 
I have tried to deal with this matter with civility. 
But this company has failed to provide a reasonable means for me to opt out. I am left with no other choice but to exercise my right under section iii ( A ) of this law. Which states The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right. And use the resources provided by the Consumer Financial Protection Bureau. 
The law all financial institutions must abide by ; ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; So consider this my official opt out notice. This does not require a 60 day investigation. 

Please be aware, the law also requires you to accept an opt out direction from the consumer. And honor the request within 10 business days. You can not require the recipient to give you any personally identifying information beyond an email address, or make the consumer take any step other than sending a reply email or visiting a single page on your website as a condition for honoring an opt-out request. This letter is not a request for a sixty day investigation. A simple compliance with my request for privacy will suffice.

And lastly, non compliance with a consumers right to privacy is subject to a civil penalty of no more than {$100000.00} for each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : 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 explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX RE : Disputed Account # XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$960.00}. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, CAPITAL ONE has damaged my name, and my credit CAPITAL ONE has entered derogatory information into my credit file. I should not be responsible for CAPITAL ONE mistake. CAPITAL ONE has resource to enable accurate information about the clients inquiring new services. CAPITAL ONE allows an account to be placed under my name erroneously. CAPITAL ONE should verify all information prior to approving any application 's for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
When I bought the car from the dealer, they gave me {$2000.00} for a trade-in. And, I sign the title over to them. But, the terms of the loan were such that they gave me an interest rate as if I had put down {$0.00}. But, I did not put down {$0.00}, I put down {$2000.00} based on the trade-in. 

I only noticed this as I was going over the terms of the loan extremely carefully. But, by that time it was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and XXXX inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX Equifax fraudulently reported accounts and XXXX inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2021-04-01
Company: Kelsting Group, 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:
There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 my due date for my credit card, I looked at capital one app because my credit card payment was due. I noticed a {$59.00} charge for annual membership fee posted on XX/XX/2020. I called customer service and asked to close my credit card venture to change to a different credit product without an annual fee. I was told that it was too late to cancel according to my terms. 

On the XX/XX/2020 call, I asked where I could find the terms which I could not find in the app. The account representatives told me they were not available on the app but could be found on the website. During this time, I was unable to find online. 

XX/XX/2020 I was now told that I could find these terms on my statement as I called back as I could not find these terms online under my login terms. 

I found this on my statement, " How can I Avoid Membership Fees? '' " If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. '' However there is no charge on the statement ending XX/XX/2020. The charge is on XX/XX/2020 which I find unfair because it is structured so that you might miss the notice on XX/XX/2020 and not realize that you only have 15 days to cancel. If you don't look at your statement til close to your due date, than the time to cancel passes, which is what happened to me. 

Further, I asked if there were any relief benefits for people effected by Covid-19 on annual fee / interest rate reduction and I did not receive any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Alliant Capital Management LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They threatened legal action against me if I did not set up a payment plan with them. They already took money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX Experian fraudulently reported accounts and 4 inquiries on my credit report. 
* Creditor : XXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/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 2023-01-31
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened with XXXX my social security number but under a different name and address ; I did not open this account, my information was stolen. I have attempted to dispute the debt with XXXX however XXXX has been sold another company so I have been unsuccessful at disputing with the company. The debt has been sent to collections. The account has been disputed with the credit bureaus and removed from my credit report multiple times but it continues to return under a different collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I reached out to portfolio recovery associates on two separate occasions which I will go in to detail, I am working on disputing an alleged debt with the company. On XX/XX/2023 I reached out to the company through their provided email mailto : XXXX at XXXX pacific standard time I waited roughly 14 days for a response but nothing. So I sent another email stating To Portfolio Recovery Associates , LLC Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I received your letter communicating your attempt to collect an alleged debt that is listed below : Debt Collector Acct XXXX Alleged Amount/Balance - {$3500.00} Alleged Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX 

Be advised that I Deny and Dispute the Validity of this Alleged Debt Entirely. Your Communication attempting to collect this alleged debt was within 6 months. I REQUEST1.9K Verification of this Alleged Debt. I am REQUESTING a copy of a contract or agreement.

Contract or Agreement must be the with the original creditor and signed by all parties involved.

Understand that vou are illegally attempting to collect this alleged debt, that I do not owe. I am also requesting that you cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly request deletion of any and all ... reporting that was made to all consumer reporting agencies/credit bureaus. If you comply with my deletion request within 14 days, verification is excused. Also promptly send me a veriDislike letter confirming the request to all consumer reporting agencies/credit bureaus deletion of your reporting of this alleged debt. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau. 

This email was sent XX/XX/2023 at XXXX pacific standard time. 


Same format for three separate alleged debt accounts held by the company. They have failed to provide original signed documentation from all parties involved not to mention are still reporting with all three major credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions Inc.
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:
Experian credit bureau is maintaining 2 negative accounts that I have disputed does not belong to me they refuse to delete these 2 negative/derogatory accounts and when attempting to dispute again currently they it blocked these accounts need to be removed immediately 1. Is {$5900.00} 2. {$260.00}

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 2021-01-31
Company: EQUIFAX, INC.
State: NC
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have files a compliant with federal trade commission because of my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX CONTINUES TO KEEP REPORTING BOTH OF THESE ACCOUNTS AS " PAYS AS AGREED '' WHEN BOTH HAVE BEEN PAID OFF & CLOSED! KEEPING THEM IN A STATUS OF " OPEN '' HAS LOWERED MY SCORE TO XXXX! THE CREDITOR TRIED TO CORRECT THE PROBLEM BUT EQUIFAX REFUSES TO OBLIGE. I REPORTED THE CREDITOR AGAIN TO THE XXXX  IN ORDER TO GET THEIR ATTENTION ON THIS MATTER & REQUESTED THEY DELETE IT & DISCONTINUE DOING BUSINESS WITH EQUIFAX SINCE THEY'RE TOO INCOMPETENT TO REPORT INFORMATION ACCURATELY! SEE ALL ATTACHED INCLUDING THE FCRA LAW THAT STATES IF THE INFORMATION CAN NOT BE REPORTED ACCURATELY, WHICH IT HAS NOT BEEN ON EITHER ACCOUNT, THEN IT MUST BE DELETED OR THE CONSUMER HAS THE RIGHT TO SUE THE BUREAU & CREDITOR. THAT IS THE NEXT STEP FOR ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have 2 hard inquiries on my credit report from some place called Syncb/XXXX XXXX in XXXX, FL. One is  from XX/XX/XXXX 2018 and the other from XX/XX/, 2018. Their phone number is listed as ( XXXX ) XXXX. I have no idea who or what these are, and they should not be listed in my credit report either. It seems to me my credit was improperly handled and misused by whoever this company is. Can you please take steps into investigating this, and have them remove these from my credit reports, please? 
I am having the same issue with a hard pull from XXXX XXXX in XXXX XXXX XXXX UT on XX/XX/XXXX2018. I am not sure if they are pulling it on their own, or if someone is doing it without my knowledge. Please investigate this one also, and ask them to remove it from my credit reports. Their phone number is listed as ( XXXX ) XXXX. 
Any assistance is greatly appreciated!

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 2019-10-30
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I opened a Belk Dept. Store account in XX/XX/XXXX. I used the account one time in XX/XX/XXXX ( {$66.00} ) and paid the bill when received. I used the account again in XX/XX/XXXX( {$85.00} ) and never received a bill ( s ). My husband and I have a joint checking account and he pays all bills in our home. Neither he, nor I, thought about NOT receiving a bill from Belk. 

Fast forward to XX/XX/XXXX. I applied for XXXX 's credit card, and was denied. I have never been denied credit before and was a bit surprised, but just assumed that I when I was pushing the buttons on the screen, I made a mistake in the numbers I pushed for my income. Then on XX/XX/XXXX, I received a letter from XXXX XXXX XX/XX/XXXX explaining the decision for not issuing a credit card was based on a charge-off in the last 12 months that was noted on my credit report by XX/XX/XXXX. 

I had no understanding of what a charge-off meant and I had never requested a copy of my credit report and decided now was the time to look into the matter. 

I was so surprised to see the Belk charge ( s ) of over a year ago. A charge of {$85.00} went to {$340.00} with late fees.

I called the number on the Belk web page and was put through to Synchrony Bank. After many trials, I eventually learned that the bills had been sent to a former address and due to my nonpayment, my account was sold and I should contact the new owner of my account. 

I went to the nearest Belk store and talked with an assistant manager and she tried helping, but once again I was routed to Synchrony Bank and was given the same message.

I always pay bills when received, as my credit report shows. My concern is that a bill from Synchrony Bank never arrived at my house and I was never notified by Synchrony Bank that my credit score was going to be compromised.

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 2023-01-31
Company: JPMORGAN CHASE & CO.
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:
Multiple unauthorize reverse transaction had taken place on my account for {$1800.00}, {$1500.00} on XX/XX/XXXX, XXXX  XXXX XXXX. The {$2300.00} and {$2400.00} on XX/XX/XXXX. This was fraudulent tranaction that had take place on. my account.

Company response to consumer: Closed with explanation