BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX  XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
After receiving no response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.

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 2020-02-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding a company known as Capio Partners LLC. 
I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX  and XXXX  credit files. This is not my account and i want it removed from my XXXX  and XXXX Credit files permanently. 
Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX  HOSPITAL {$200.00} 0 % paid off XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: MD
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:
experian XXXX & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XXXX. i have also mailed demand to comply letters. still no response.

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 2021-11-03
Company: EQUIFAX, INC.
State: AL
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:
Equifax i provided you a idenity police report from XXXX Police Department and a case number ( card ) attached for the Detective who is handling this Idenity Theft Case. By law you were to investigate and remove these accounts within 72 hours. I have contacted the FTC to step in and assist if no results. I filed a Ftc report # see attached. I live in XXXX, Al someone has been using my information in XXXX XXXX Nevada. And obtain auto loans, housing, loan in my name please remove these items immediately from my credit file. According to Section 609 these accounts have not been confirmed or validated as mine im asking immediately removal. 
XXXX XXXX XXXX XXXX XXXX XXXX New Mexico ( never been to XXXX ) XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Bank of America filed delinquency garnish my credit history. 

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 XXXX and XXXX to reinvestigate these Bank of America XXXX XXXX accounts : ending on XXXX and XXXX. However, they stated everything was complete and accurate. But it is the Bank of Americas fault froze my checking account which is used to send automatic payments to both of these credit cards, and then after it froze, it could not make the payment anymore. It caused the late payments. I have the same problem with the XXXX credit card, I paid the balance and closed the credit card. And XXXX is willing resolve the dispute and clear the delinquency. I paid off the remaining balance of the XXXX XXXX on Bank of America and closed these credit card, but, they are not willing to solve the delinquency even though it is their fault on closing the checking account in the first place. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-09-13
Company: Experian Information Solutions 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:
I'VE Filed all proper documents to Experian in regards, to the public Record filing Case Number XXXX UNITED STATES BANKRUPTCY COURT. and EXPERIAN IS NOT INVESTIGATING MY CLAIM. I'VE filed numerous claims attached the proper legale documents disputing there reporting they have all my documents from, PACER AND XXXX. AND EXPERIAN has yet to block this Public Record.Ive filed a dispute and have received a response the same day this is a clear sign they are not properly investigating my filing of dispute .EXPERIAN has took it upon itself ti ignore my request for a proper investigation and violet my rights under the fcra..

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 2023-12-12
Company: Synovus Bank
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They sent checks returning payments that I made, because the amount exceeded my balance. They were never received, and they can not provide me with any other information. The only correspondence offered, is to send letters to a po box and they said if someone fraudulently cashed the checks sent to the wrong address, that was my problem and there is nothing they will do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for a home loan due to items on my credit report that that doesn't belong to me.

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 2019-07-25
Company: Midwest Fidelity Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i been receipting numerous calls from Mid West Fidelity XXXX XXXX XXXX XXXX XXXX Kansas, they call my cell 2 to 3 times a day, i have no debt with them or anyone for that matter, i try calling them twice they refused to do anything or give any information unless i give them all my personal information, they are rude scammers, they call and call and none give you any details, they want your information to charge with a false debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: LA
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:
YOU BROKE THE LAWI Pursuant to 15 usc 1681 ( a ) ( XXXX ) Your company assumed this role. You were not given express permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 


Pursuant to 15 usc 1681 ( a ) ( XXXX ) - You did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. 

Pursuant to 15 usc 1681 ( b ) ( XXXX ) You never had permissible purpose! I never instructed you to furnish this report and I never consented to this report in the first place! 


Delete these accounts immediately! unless you want to be held {$1000.00} per violation! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I am applying for a mortgage and Bank of America and XXXX let me know they update correct balances monthly ( not virtual ) so you have to wait which keeps your score lower than it should be and you pay more. 

I am sending attached what the actual balance is as of today and what XXXX and BofA are still showing, it would move my score please update it, its 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 explanation
Consumer complaint received 2022-09-13
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have noticed that this debt was placed on my credit without any sort of communication of the debt before it was placed on my credit. I contacted the company in XX/XX/2022 and asked for a statement in relation to the debt that I was going to dispute and never received any communication. There were no phone calls, no written documentation provided. When I called to inquire about the debt I was pressured to make a payment and I informed them I was disputing the validity of the debt it is XX/XX/2022 and still no communication other than placing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken to this company multiple times about this debt. I have asked for proof and nothing. I have request them to prove this debt is indeed mine and nothing. The same lady calls me from this number multiple times within a 2 hour span. Very rude. I would like for this to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : CAPITAL ONE XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX  -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following account is inaccurate and are in clear violation of my privacy. This is embarrassing and damaging to my reputation as a consumer. As the consumer I deman the following account to be DELETED FROM my credit report immediately I DID NOT GIVE ANY WRITTEN INSTRUCTIONS to have this accpunt on my consumer report. 
A consumer has the right to privacy They are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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: Public record information inaccurate

Complaint:
Experian Credit Report Number : XXXX Name of Court and Address is incorrect, it is currently listed as US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Proper address is : United States Bankruptcy Court XXXX District of Georgia XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Sent original dispute requesting they DELETE this inaccuracy however they came back as 100 % accurate and verified, the documentation I will provide shows that not true.

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 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Thank you for listening to me. 
I went to the bank with a a promo card to receive {$600.00} total. 
We discussed the card. XXXX if I deposit {$15000.00} in a new savings account. I had taken it from our primary bank. So I could qualify for it, then XXXX for a direct deposit. We had that transfered document ready. I went to the bank to check on my deposit. And I see they did not honor the other the XXXX deposit because the banker failed to open a savings. This is not my fault. I did what the card ask. XXXX and I brought them just that. The XXXX At the XXXX XXXX XXXX XXXX ohio told me " No ''. and refused to accept responsibility for their oversight. I did everything they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: CT
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:
Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( XXXX, equifax and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XX/XX/XXXX, I made a transaction with a seller without me knowing that he was trying to scam me. I sent him {$210.00} through paypal with their goods and services transaction and he wanted me to confirm the receipt with basically says that I received the item so that I would lose my protection of my money even though I hadn't received the item yet. I immediately felt uneasy about the whole transaction and filed for a dispute. At the time, he did not have any tracking info on but when I filed the dispute, he put old/fake tracking info in to bypass the system into thinking he shipped it. This caused paypal to side with my seller and me not being able to file another dispute after the fact. I have the tracking info and if you look at it, they're old dates and not even being shipped to the address that's listed in our transaction on paypal. 

XXXX XXXX XXXX ( XXXX chat logs ) XXXX XXXX XXXX He is also on a banlist for previous scams hes done. He seems to use one user to lure you into thinking he's legit then using a different one to do the scam. 

Use XXXX on this site (XX/XX/XXXX ) and you'll see that the dates on there are completely off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
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 person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit XXXX trying to buy me a house and this is stopping me

Company response to consumer: Closed with non-monetary relief