BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a debt on my credit file I do not owe. I have never received any phone calls or anything in the mail regarding this debt. I can not verify this debt, and I am not sure why this debt has been added to my credit file. This is in clear VIOLATION of my 30 days right to dispute.

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 2023-06-24
Company: ERC
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:
I am asking validation of this account, please do not send a final bill in which a final bill does not validate after the contract was sold. I am specifically asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 an attorney contacted me regarding payment due on a project. We determined that I could pay {$500.00} per month in a previous confirmed conversation. They asked me for an update to my card. I gave them my Venmo card number with an ok to charge {$500.00}. 

The attorney charged {$1400.00}. She said that her accounting department would make a one time charge of {$500.00} on the Venmo card then for the following month continue with my regular card on file. 

I received a text message noting the unauthorized charge. I called them right away to cancel because this wasn't my agreement. She stated that accounting would credit the {$1400.00} back and charge the {$500.00} due. Accounting called me and said they canceled the pending transaction and would wait 1 day so that they'd be able to charge the {$500.00}. The attorney charged the {$500.00}. I contacted Venmo to let them know about the unauthorized charge. I wanted to find out when the $! XXXX would be credited back to my account. Customer service canceled my card because I said the word " unauthorized '' i told them I the card isn't the issue it's the charge. They allowed me to keep my existing card. I've contacted customer support daily for the last 5 days. They avoid telling me when the funds will be returned and they avoid talking about the transaction. I apologized for the confusion regarding the card. I never asked support to cancel my card. 

To date I haven't received the unauthorized {$1400.00} debited using my Venmo card. No ETA for the return of the funds and no apology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.

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 2019-01-03
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the XXXX Report XXXX, you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They contacted my elderly parents at night. My parents have a call blocker that requires the person to state their name and then my parents have the ability to accept or deny the call. 

This company pretended to be me saying they were XXXX XXXX. 

My attorney XXXX XXXX told them not to call anyone on XX/XX/2018. 

They called XX/XX/XXXX. My attorney called them again and warned them not to call again and they said they would not abide by our wishes. 

My attorney can verify all of this. 

XXXX XXXXXXXX XXXX, ESQUIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Facsimile : ( 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 explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2021-08-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have Nissan Financial on my credit for a vehicle that was a total loss. I had gap insurance on the vehicle through this company that I paid every month. The gap insurance should of covered any additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
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:
I live in XXXX, Texas and sometime in XX/XX/XXXX my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, citibank and XXXX claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX County, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and Citibank to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and citibank has information on the multiple permutations of her name and fake names used to may phone payments.

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 2020-01-21
Company: C/C Financial
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I established an agreement in XXXX to make payments via auto draft monthly. I was invited via email to take advantage of some payment arrangement options. I called in XXXX to accept the arrangements and make the payment requested. The first payment was made on that call. I opted in for the payment to be auto drafted from the account as they required. The collection calls and emails never stopped. Even after I made the payment in XXXX the company sent another collection email during the same month. The company send emails and calls me as well as my references weekly. I called into customer service and stated that if I'm currently in compliance why are the collection efforts continuing. I was advised that it's on auto dialer and there's no way to stop the calls and the only thing she could offer me is removing my references. I asked for a supervisor or member of management and I was told that there is no one available and I'd have to wait for up to 48 hours to be called back depending on what the issue is. I asked for a email or point of contact to request a resolution and I was advised that the option requested is not available. In addition to the continued collection attempts the company is reporting my account as late to the credit bureau monthly. They have reported my payment as being late to the credit bureau for XXXX as well as XXXX and the company has auto drafted my account on the date selected both times for payment as they required per the agreement.

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 2022-10-07
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: Information belongs to someone else

Complaint:
I have sent multiple letters disputing accounts on my credit report, but I did not receive any response or results. Please take action immediately!

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 2019-01-03
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to RentDebt Automated Collections , LLC. Requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relationship with Rentdebt Automated Collections LLC. i am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2017 I obtained a secured credit card from Wells Fargo, paying an initial deposit of {$300.00}. I was told by the branch manager in XXXX, Oregon that after 1 year of making on time payments, that my security deposit would be refunded and my card would be converted to an unsecured card and my deposit refunded and credited to my checking account. It has been 2 full years now since I have had the secured card. I have never missed or been late on a single payment. I have always paid more than my minimum payment as well. 
I tried to resolve this after the first year, and was advised that they do not automatically convert the card to a secured card ; they said they review the card periodically and then decide to convert it or not. The security deposit is also " non interest bearing '' as well, meaning they are making money off my deposit and not giving me any of the interest earned. All they did was waive the new annual fee of {$25.00}.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-07-11
Company: ALLY FINANCIAL INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
i purchased a vehicle through Ally auto finance company. When going over the financing application i spoke to a representative from Ally they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. Ally auto finance targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This racist organization needs to be held accountable for their lies and deception

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2021-08-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a debt collections account delinquency added to my credit report. 
No prior contact was made by the company, Before adding it to my credit report.

Company response to consumer: Closed with explanation