BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
XXXX XXXXXXXX account ending XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan 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 2019-03-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX  Closed : XX/XX/XXXXThis is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).

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 2019-11-04
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 recently just have reviewed my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit 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 explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  NA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. I have gotten proof from the Bankruptcy court that the dismissed bankruptcy should not be showing on my credit reports. Delete all this inaccurate information That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Colony Brands, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My complaint is against XXXX 's XXXX XXXX. This company is reporting that I have an alleged debt of {$230.00} owed to them. I have have spoken to them several times on the phone and sent them letters. My conversations that I have had date back to XXXX. I spoke with individuals in their collections department. I recently sent XXXX different letters requesting documentation. My first letter this year was in XXXX XXXX and the second was XXXX XXXX, XXXX. My verbal conversations and my letters are all based on the same premise. I want an audited statement of my account that validate that I owe {$230.00}, as they have reported to my credit reports. I want to see how they came to this. The account XXXX should have a history of payments from its conception. I want that history of payments. I have NOT in any way received anything that I requested. Instead, they responded to my XXXX letter by telling me that my attempt frivolous and not sending me any of the documentation that I requested. Frivolous, I do not not see how that is so. I have a right to see these documents if XXXX 's says that I owe this debt. Their response to my XXXX letter was a vague letter requesting that I send a form if I feel that my identity has been compromised. THIS was not in any way a response to the letter sent. I have been left dumbfound by this company. They will not do as I ask AT ALL and I have the RIGHT to the information that I have requested. On XXXX XXXX, XXXX I got a notification from the credit bureau that a new XXXX XXXX has been launched by XXXX 's. I have no idea what that is nor do I think they have the right to put something like that on my credit report without ANY advanced notification. I feel violated by this company. Where are my rights? They are functioning as though I do not have any. These violations constitute as my complaint.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-24
Company: Experian Information Solutions Inc.
State: NY
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:
account XXXX XXXX XXXX XXXX card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-04-29
Company: EQUIFAX, INC.
State: IL
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 not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Navient Solutions, LLC.
State: SC
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:
Starting on XX/XX/2016 I started the process of Disputing debt being reported by Dept of EDXXXXNavient who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to Dept of ED/Navient and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to  XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have disputed this account multiply times and never gets fixed. I have called and talk to XXXX XXXXXXXX XXXX at XXXX and they told me it would be fixed. I talked to XXXX I got a case number from them to make sure I had something to fall back on and that case number is # XXXX she said It would take 45 days to fix. I was on the phone with them for 52 minutes. I have never received and information from them. I filed bankruptcy chapter XXXX in XXXX of XXXX with a discharge. The account number is XXXX. The account still says it is open-Derogatory? They last reported on XX/XX/XXXX on my credit. I don't know what else to do? XXXX cell XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, thank 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 explanation
Consumer complaint received 2019-06-04
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan! BOTH are FDCPA violations! 

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I called and asked for verification and proof that I was sent notification regarding this alleged debt and they were unwilling or couldnt verify it. I told them it was within my rights and was a FDCPA violation and XXXX said they didnt have to notify me or send me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: NY
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:
account XXXX XXXX XXXX bank card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I joined Ally 's payback promotion in XX/XX/XXXXand I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. Due to this fact, I decided to enroll the offer and kept the money in the account for 3 months. However, I only received {$740.00}.

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 monetary relief
Consumer complaint received 2018-09-30
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my monthly credit card statement was a paypal charge {$8.00}. I checked my paypal account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX  XXXX XXXX XXXX XXXX CA. I called this number and the computer told welcome to paypal. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: HYUNDAI CAPITAL AMERICA
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XXXX of 2020 I went to XXXX  XXXX  XXXX  in XXXX XXXX, Iowa to trade in my car. The deal went fine. I was happy with my purchase and the terms that I received. Fast forward to XXXX of this year I tried to apply for a loan to buy a house. I was told my debt to income was too high. ( My only debt is this vehicle loan ). The loan officer wondered how I got such a high auto loan based on my income. So I contacted Kia financial, the loan company that approved me, and asked the details of my loan application. They said my income on the application was for {$58.00}, XXX/year. I had told my sales person the day of the purchase that my income was around {$24000.00}. I also mentioned to 3 separate employees that my first priority was to be able to buy a house and if purchasing a vehicle was going to effect it that I didnt want to trade in my car just yet. They said it would be fine. I signed the paper work and no where did I ever see what my stated income was on any of the paperwork. They did not ask for proof of income. Also, I knew these employees since my ex-husband had been employed at XXXX years before. 
When I contacted Kia finance company to explain the situation they said I should contact XXXX directly. I called the store manager to report the problem and was passed of to the finance manager that basically just said they dont know how the incorrect income got on my loan application. Ive already filed a complaint with the XXXX. XXXX  didnt agree to what I was asking for as a resolution, which was to admit a mistake was made, buy back the vehicle and put me in a car that is better suited to my income. That complaint case has been closed

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 2018-04-13
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been struggling due to other debts and medical issues and really needed the funds provided to me however at this time I am unable to pay this debt. I have been diagnoised with XXXX XXXX and have several medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 have disputed this account multiply times and never gets fixed. I have called and talk to bank of America at XXXX and they told me it would be fixed. I talked to XXXX I got a case number from them to make sure I had something to fall back on and that case number is # XXXX she said It would take 45 days to fix. I was on the phone with them for 52 minutes. I have never received and information from them. I filed bankruptcy chapter XXXX in XXXX of XXXX with a discharge. The account number is XXXX. The account still says it is open-Derogatory? They last reported on XX/XX/XXXX on my credit. I don't know what else to do? XXXX cell XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, thank 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 explanation