BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXXXXXX XXXX # XXXX ... .has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX ... has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the XXXX of XXXX I cancelled my Bi weekly payments with the lender by calling them over the phone as they didn't allow me to do it online. I insisted several times to the agent that I wanted a confirmation that the Bi weekly payments are cancelled and she refused to send a confirmation code but asked me to verify online which I did and the system showed a message that the Bi weekly payment was cancelled, but during the call itself I was bit skeptical form the way the agent came across and that's why I made her confirm it verbally several times and recorded the call but today the lender made an attempt to take the money out and caused my Bank account in Overdraft, and also they refused to stop making another attempt to take the money out again, and also stated that it will take 5 business days to fix the issues if not at least 48 hours but I am left with no money in my bank to spend on my food, commute, and i have an international travel coming up in the next few days and now I can't prepare for my travel, and i have things to take care before I leave the country as it will take another 2 to 3 months to return. They have caused a lot of damages emotionally, health issues, and also a long term damages by not allowing me to take care of certain things before I leave the country. This is done intenationally as they have been causing a lot of emotional trauma by practicing unthethical ways to indirectly threaten me and put me under a lot of pressure constantly just because they bought my account. I believe they bought my account intentionally as I have been harassed from the day my account was moved to them, and they also keep information from me and caused a lot of frustration where CFPB got involved earlier to make things right but now they are keep causing a lot of emotional distress as if they expect me to lose the home to them or they are making an attempt to force me to pay off the loan or just framing something around me by having a overdraft on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
First and foremost it's important to know my history with BMW. XXXX leased my first car thru them. XXXX lesed my second car, then purchased that car at the end thru them. XXXX leased another car thru BMW finance again. Picture perfect, good experience until now. 

On XX/XX/XXXX I sold my car to XXXX BMW in North Carolina. What a negative experience which all stems from BMW finance. This past XXXX BMW finance changed its rules to 3rd party buyouts preventing me from selling the car to XXXX, a cousin, or any other dealer. This sudden unannounced change made restricts the sale to only BMW dealers making the market controlled by them. This new rule allows a low offer and a high resale for maximum profit. I could of easily got {$1200.00} more from XXXX or a dealer trade elsewhere. Then to top it off the {$350.00} dispostin fee that BMW takes from the consumer. 

Every single lease, the salesman wills say you can sell the car before your lease is up and avoid all the fees. With BMW fiance changing the terms this can not happen. It's a wrong way of doing business and it's full of greed. Bmw XXXX took advantage of me, BMW finance took advantage of me. While in the market for a vehicle, I know I will forever steer clear of BMW finance and every BMW dealer. Bmw made changes that do effect the consumer. They monopolized the lease turn in for greed! Then the unknown disposition fee that every salesman pre covod would say how to avoid it.

This entire final BMW transaction makes me disgusted. Taking away 3rd party buy outs only profits BMW. They never made it known about that rule taking effect. XXXX told me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Requested a free consumer report from XXXX and they have not completed my request, do not respond to my emails, do not answer the phone ( NEVER ), and my report has been pending for over 2 months and the company does not respond! how can companies SO UMPROFESSIONAL be allowed to handle such delicate and important information of people I don't get it...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had submitted a credit line increase, I took the card out almost 4 years ago now - and my credit score has gone up, my income has essentially doubled, I paid off my balance- and never missed a single payment over the years- and yet my credit line increase was denied. This is not a company you want to be stuck doing business with. Do not get stuck having to keep a card open with this company. The second my home purchase is complete, I'm closing the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
-- Applied via XXXX for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with XXXX XXXX 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via XXXX XXXX hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists XXXX XXXX as the dealer. 

-- Only XXXX XXXX was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to XXXX and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and XXXX XXXX will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to TransUnion as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer report.

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 2022-11-29
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: PA
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:
their is no reason for this agency to put any information on my report that will damage my score. 
the balance states XXXX but my score decreased and this item was deleted in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXXXXXX XXXX XXXX XXXX NY 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 non-monetary relief
Consumer complaint received 2021-08-03
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My new Honda lease was over always paid on time with auto pay ( signed with Honda). I extended the lease and they said that all payment amount and withdraws will stay the same .Honda reported to the credit bureau that my account is closed when in fact is still
open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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

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 2023-11-20
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported all three bureaus I have no knowledge of these people I reported to the three bureaus credit bureaus must seize all collection activities but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftlyXXXX  XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX 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 2022-06-27
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
VENMO APP - should be stopped immediately and people should NOT be allowed to use this service; they will rip you off of money! 

If they lock your account for no reason or temporarily lock you, there is no way to talk to someone to find out why ; they have your money sitting in their account and you can't even transfer it to your account- it's your money ; not there's ; they lock your account ; you can't get to your money Many people are using this company to transfer money between friends/family -- they NEED to STOP now -- people can loose their money and in an economy like this, people can't afford to loose money -- -they want to act like a bank, but provide NO CUSTOMER SERVICE; human robots answer the phone - tell you an account specialist can help you but no way to get to these " account specialist '' you are at their mercy to contact you ; they are people behind a computer with no way to talk to and they HOLD your MONEY -- STOP VENMO APP NOW -- before more people loose their money -- they are not a bank - they need to stop pretending to be one ; the federal government needs to shut them DOWN VENMO BEFORE MORE PEOPLE LOOSE THEIR MONEY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


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

Company response to consumer: In progress