BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 4 late payments listed on my experian report. Those accounts were part of my chapter XXXX and should be discharged and not listed as late or at all.

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 2019-06-07
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please remove the collection of my credit reporting agencies XXXX, XXXX, and XXXX for the {$46.00} amount, its already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Allied Collection Services, Inc. (Nevada)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I do n't remember the exact day that this company intially contacted me but it was in XX/XX/XXXX. A male contacted me and it sounded like he was trying disguise his voice. He stated that I had received money from XXXX XXXX back in XX/XX/XXXX and I could go to jail for stealing money. As explained to him that I never heard of this company and that would contact the proper authorities. So I then tried contacting the number listed for the company XXXX only to get an voicemail. So I was never contacted again. I went to check my credit report and it Now been on my credit report fir 4 months in the amount of {$380.00}. I checked the reviews on the company on today and it looks like I am not the first person and if they are not stopped I will not be the last! I have not received any money from this company please help!

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 2023-07-09
Company: CCF Intermediate Holdings LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XX/XX/2023 Office file number : XXXX Dear XXXX XXXX : We have reviewed the email that you forwarded to us. It is a scam that we see very frequently. The most important thing for you to do is NOT to reply or engage with them in any way. In fact, you can mark the email message as junk and block the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
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: Investigation took more than 30 days

Complaint:
This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. 

I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. 

This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
American Credit Acceptance Is taking advantage of Individuals that are In need. They set payments way out of reach for consumers. I tried to get them to lower my payments. I purchased a new/used vehicle from a dealership and the finance company that would accept me because I had poor XXXX XXXX. 
They knew that I wouldn't be able to afford the car and not allowing me to lower my payments to keep the vehicle. The price of the car was {$28000.00} with my payments being {$990.00} they tack on a {$490.00} late fee. 
Tried to speak with them to keep payments and I was offered an extention that allowed me so relief but then i got back behind because the payments were out of reach. 
the vehicle is a XXXX XXXX XXXX valued at XXXX but they added fees to exceed {$34000.00}. 
They came and repossessed the vehicle. I think they are ripping people off and not trying to work with them to keep the vehicle. I saw where there was another company with a simular name with a law suit out of New York doing the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Experian on XX/XX/2021 at XXXX XXXX. I explained that I have a paid membership and an not able to access an updated credit report with Experian online. I also told them I am not able to view the other two credit bureaus either which is one of the benefits of having the paid membership. I was transferred several times with no resolution.

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 2020-07-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I started a forbearance agreement with my mortgage company due to my wife 's hours being cut to almost nothing. Her hours have stabilized so I am trying to end it and get my mortgage current. I have been trying to contact the company for a month, but the phone lines just keep sending me through the automated system and they will not respond to an email. I have followed all their directions and yet no one will answer back to help me resolve my forbearance. Because no one will answer me and my forbearance expires today I requested to extend to the federally mandated 180 days to help protect my credit. They still have not approved that yet. They are not in compliance with the CARES act and are making no attempt to 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 2019-03-05
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a debt consolidation loan in the amount of XXXX dollars from Lending Club Corporation, My payments are due in the amount of XXXX on the XXXX each month I used my Credit unions bill payer service to send my first pavement to be there on the XXXX the bank shows that the bank draft was mailed and sent there, however the lending club corporation says they did not get it, this is highly un likely as it was a bank draft sent directly to the company from my bank, I went ahead and put a stop payment on the check, and then sent another personal check overnight to the company and the United States Post office shows it was received and signed for by a representative of the company, The company is still showing they have not gotten my payment and is holding me as late grace period. I have called numerous times with no help from them whatsoever except they continue to suggest that I do automatic drafts from my checking account, I believe this company is practicing deceptive trade and credit reporting in an attempt to force consumers to allow them access to there personal checking accounts, as of writing this I am still in past due late status 24 hours after my payment was received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. Below are the creditors and dates the inquiries were pulled : XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT 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 2023-07-09
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I advised CashApp the following XXXX XXXX transactions that were unauthorized due to my contract expiring on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEES I provided Cash App the contract for verification. Regardless of the proof provided, On XX/XX/XXXX, CashApp advised " Planet Fitness debited the funds using your Cash App routing and account number, also known as an ACH debit. Please know that we are unable to reverse ACH transactions ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Vital Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OnXX/XX/XXXX company was contacted by me by letter for them to contact agency who is handling my debt. On XX/XX/XXXX I again I contacted them by letter indicating to them to contact the agency I had hired to resolve the debt. I continue to received calls from them when they have informed of who they should be contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

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 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied three times, a 'hard inquiry 's day of shame. I was rejected and declined a Walmart and capital ones credit program and a MasterCard is not being processed for XXXX XXXX dollar credit limit and in fine print each time even announcing you as some defense Walmart has not made it any easier on me and my loved ones. I was gurenteed offer after decline even. What a fraud life is claiming. I need my MasterCard as intended by credit application and even fair trade. When will any of you do the right thing for the people of the XXXX XXXX, California. I am a US citizen I hope Walmart by national enterprise is not to blame for the discrimination I feel today. As of yesterday XX/XX/XXXX..e Way to insult a XXXX XXXX this day and age. Have mercy on us all still seeking our salvations. Please help as of XX/XX/XXXX urgent request for rewards card send in mail end of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from Experian, XXXX and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # 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 2023-07-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PR
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:
We have asked Experian to remove the following accounts XXXX XXXX XXXX that have wrong information, and have not, while XXXX, and XXXX have removed then they are unwillingly claiming the information, in general, is correct without specifying them. XXXX XXXX accounts are in error, as well as XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX original lenders are repeated in XXXX credit that has incorrect information.

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 2019-03-05
Company: EQUIFAX, INC.
State: AZ
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:
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a XXXX XXXX XXXX   that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX   XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Sunlight Financial LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
A sales rep from XXXX XXXX applied for a loan for me as part of a sales pitch. There are allegations that sunlight financial worked with XXXX XXXX in fast tracking huge inflated loans, with promises of credits snd rebates to defeat XXXX large part if the cost. XXXX XXXX has filed XXXX  bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This is the XXXX XXXX credit card issued by wells fargo. 
Someone took this card that i haven't used in a year and went on a shopping spree. I have no clue where it is and I thought that this account was closed last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
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: Personal information incorrect

Complaint:
incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employments 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 non-monetary relief
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.

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 2020-07-20
Company: General Motors Financial Company, Inc.
State: OK
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 had a vehicle leased thru GM Financial and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being XXXX XXXX. I settled the account with XXXX and account was paid in full. XXXX is either not reporting to GM Financial that this account is settled or GM Financial is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.

Company response to consumer: Closed with explanation