BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Radius Global Solutions LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of XXXX XXXX XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.

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 2021-04-17
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:
Experian is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 
The account being reported incorrectly is XXXX XXXX. The month I paid off my loan ( XXXX ) is when they reported the alleged late payment.

I tried contacting XXXX XXXX and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to 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 2019-10-09
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX   XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CA XXXX XXXX Dear Sir or Madam : As of XXXX XXXX XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX  WITH NO Account number XXXX  with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
This is for credit acceptance account # XXXX # # #. So this was a repo. But they have tried to sue me fo the balance.as Im paying x amount they only were showing half what I paid now they re not showing any. This is an inaccuracy. Transition is saying my balance is ( XXXX ) the other 2 say there is a balance this is an inaccurate reporting.XXXX XXXX is not reporting a good or ok status at all this is an inaccurate reporting. XXXX is saying last reporting dat was XX/XX/XXXX as they are still saying late but good or ok this is an inaccurate reporting.XXXX  says that there is 27 late payments when they have reporting no data but hav1 ok or good mark. This entire account is all jacked up and needs from be removed this a joint account this was removed from my wifes account this needs to be removed from mine as well due to the violations of the fcra a lot of the rules are broken and this has severly damaged my credit pleaser remove from all 3 agencies

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 2019-09-20
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PLAZA SERVICES # 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, PLAZA SERVICES 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 ) PLAZA SERVICES 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 PLAZA SERVICES 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 PLAZA SERVICES is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PLAZA SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: The CMI Group, Inc.
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:
On XX/XX/XXXX, I noticed a collection account open on my XXXX report. The collection agency, Credit Management, reported that I owed {$460.00} to a defaulted account with XXXX XXXX. On XX/XX/XXXX, I reached out to Credit Management to inquire about this account that I had no idea about. I spoke with a gentleman by the name of XXXX at XXXX in regard to this account and he was unable to look up any information about this collection account on my XXXX report using all my personal information. At XXXX on XX/XX/XXXX, I called XXXX and spoke with a gentleman by the name of XXXX XXXX I informed him that this collection account was not mine and he directed me to this site. 

Side Note : The information on my XXXX report was very limited, and even when I gave the gentleman from Credit Management my personal information, nothing came up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Allied International Credit Corp., (US)
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from Allied International Credit Corp. stating that I owed XXXX in unpaid debt to XXXX. I have never done business on or with XXXX and so can not owe them anything. Attempts to resolve the problem go unsatisfied and are met with stall tactics and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Account status incorrect

Complaint:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate inquiries on my credit report. 

XXXX  XXXX  XXXX -Inquiry XX/XX/2020 XXXX  XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NAVIENT is saddling me with exceedingly burdensome student debt through processing errors and inaccurate information. I was wrongly told I was on track for loan deferment only to later find out I did not meet certain requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Portfolio Recovery XXXX XXXX on XX/XX/2022. I spoke with their representative XXXX XXXX. We agreed to settle the following account : Original Creditor : XXXXXXXX XXXX XXXX 
Creditor to whom debt is owed : Portfolio Recovery XXXX XXXX Original Balance : {$16000.00} Settlement Agreed Payment : {$10000.00} XXXX paid the settlement agreed payment while on the phone with XXXX XXXX. It cleared my account on XX/XX/XXXX. I've attached the settlement letter and my bank transcript. 

This past week I got an alert from XXXX that I had a balance change on this account. It lists a partial payment of {$10000.00} and a balance owing of {$5800.00}. I've attached a copy of the report. I spoke with a representative of XXXX XXXX who did not give me a clear answer as to why it was reported this way. 

The payment I made on this account was a settlement ; not a partial payment. At a minimum this is an error. At the maximum this is unfair and deceptive and a possible violation of the Fair Credit Reporting Act. I ask the CFPB 's help in correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CORELOGIC 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:
XXXX XXXX XXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices

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 2022-04-25
Company: EQUIFAX, INC.
State: AZ
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 am writing this complaint due to a number of actions that you have taken that have completely disregarded my rights under the FCRA, FDCPA, AND THE FACT ACT in which you have a legal duty to comply to. Failure to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) You failed to validate a debt at my request, FCRA Section 611 Part ( A ) ( 1 ) which is a FDCPA violation and you continued to furnish a disputed debt. another FCRA violation. You also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me. " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense since I have a track record of you not sending documents back to me. By submitting an Identity Theft Report to a CRA, a victim can stop the CRAs from reporting information resulting from the identity theft on the victims credit report. The CRAs have up to four business days after they accept the Report to block the information. FCRA 605B, 15 U.S.C. 1681c-2. Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). The same prohibition on refurnishing fraudulent information to a CRA applies if the victim files there Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). CRA refuse to correct information after being provided proof of inaccuracy is a violation ; defamation, willful injury FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ) .CRA have not validated debt and they still continue to report FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to CRA 'S abusive and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
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:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

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 2021-04-12
Company: EQUIFAX, INC.
State: CA
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:
In conjunction of my previous dispute regarding fraudulent accounts appearing my credit report. XXXX  never addressed the number of fraudulent inquiries listed on my credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been disputing with Equifax, XXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because Equifax does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX  and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation