BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a lease account under an open end consumer credit plan as late for 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 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To provide some background, I discovered that an address I have never resided at or had any association with is listed on my credit report. Upon further investigation, I found that this erroneous address was added to my credit report by a creditor. They claimed to have received notice of the address change from the post office, although I did not authorize or initiate any such change. 

Realizing the potential consequences and negative impact of an incorrect address on my credit report, I immediately contacted Experian to dispute this inaccurate information. I provided them with a comprehensive explanation, supported by all relevant documentation, including proof of my actual address history. Unfortunately, Experian has consistently refused to remove the incorrect address from my credit report, despite my continued efforts to rectify this issue. 

This prolonged ordeal has caused significant distress and has had adverse effects on my creditworthiness. I firmly believe that Experian 's refusal to correct this inaccurate information not only infringes upon my rights as a consumer but also undermines their obligation as a credit reporting agency to maintain accurate and reliable credit reports. 

I have made numerous attempts to resolve this matter directly with Experian, engaging in extensive communication and providing them with all necessary documentation to support my claim. However, their response has been consistently dismissive, leaving me with no other recourse but to seek your assistance in obtaining a fair and expedient resolution. 

I kindly request that the Consumer Financial Protection Bureau intervenes on my behalf and ensures that Experian takes immediate action to remove the incorrect address from my credit report. Despite my persistent efforts, Experian has repeatedly failed to address this issue satisfactorily. This situation has left me vulnerable with regards to my financial reputation and opportunities. 

Enclosed with this letter, you will find copies of all relevant correspondence, supporting documents, and evidence that substantiate my claim. I trust that you will conduct a thorough review of this information and take the necessary steps to bring about a just resolution. 

I sincerely appreciate your attention to this matter and your commitment to safeguarding consumer rights. I have full confidence in your ability to advocate for a fair outcome and hold Experian accountable for their failure to address this issue appropriately. 

Thank you for your time and consideration, and I eagerly await a positive resolution to this longstanding dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, XXXX and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX and Equifax have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
This predatory loan was issued to me a ywar after XXXX  XXXX bankruptcy. It came with a {$440.00} payme on a {$16000.00} car and a 21 % interest rate. Any time Consumer Portfolio gives even a 1 day " extension '' they consider that assistance and use it against you later. I've fell behind at very points during my loan but always caught back up. Back in XXXX I was granted a modification. Shortly after I was hospitalized for 2 months due to covid complications. I was unable to make XXXX or XXXX payments or the RIDICULOUS late fees that I was told would be included in the modification but they werent. Once I got out and went back to work I tried working with CPS. They just told me to find a friend to borrow money from. I managed to talk my dad into helping me out. He's XXXX years old and barely had the money to help but he mailed them a check. I informed CPS of this and they said they'd hold off repo until they got it. To this day they say they haven't gotten it but the check was cashed. My dad then refused to help me again when they started saying they received nothing. I was getting paid on XX/XX/XXXX and though I'd be able to pay {$900.00}. Unfortunately when I got my paycheck it was half the amount thay it should have been. When I talked to payroll they said that I had to " pay back '' days I took that I didn't have sick leave for. They said my 1st full pay will be XX/XX/XXXX. I tried to get a modification or extension with CPS and after ignoring me all weekend today they once again emailed me and told me to either ask a friend or relative because my car is goint to be sent out for reposession. When I mentioned that I was looking into XXXX  XXXX bankruptcy they became more aggressive about reposessing my car. When I asked for a modification since my paycheck will be normal in a few weeks they just refuse and hold any previous help against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried several times to get this bankruptcy remove from my credit report. The information is not accurate and therefore it should be removed. XXXX removed the bankruptcy from their information because they didn't verify that the information was correct and thats where the bureau. 15 USC1681a ( 4 ) states there is a need to insure that consumer reporting agency exercise their grave responsibiles with fairness impartiality, and a respect for the consumer 's right to privacy. the courthouse has said that they don't give the information to third parties. I have provided the information to all parties. Also 15 USC 1681i ( 7 ) let 's me know that you are conspiring with the CRA 's against me and my rights. 18 USC 242. Also on my credit report all three bureaus are not reporting the same thing correct. This is not fair and I would like to this information to be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$17.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act US Dept of ED/XXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2022-06-08
Company: Experian Information Solutions Inc.
State: ME
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 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.

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 2022-09-22
Company: Experian Information Solutions 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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have spoken with all three Credit Bureaus XXXX TransUnion, XXXX and XXXX ), and all three are stating that it is upon the consumer to contact this reporting institutions. This is not true pursuant to the Fair Credit Reporting Act. I requested that their agency reach out to the reporting merchant for written authorization from that I gave the authority to make hard inquiry into my credit. The merchant can not do it, as I did not give them written or verbal authorization to pull my credit, period. I wrote all three letters identifying myself, and my desire to have unauthorized inquiries removed and an up dated report from their agency reflecting the changes. There are recorded conversation with each along with the written request to document my request. It has to be noted that the three agency purchase financial ; without first verifying that information which can cause a financial harm to the consumer. When they hear from the consumer they tell the it's upon them to do the leg work ; to have the unauthorized inform removed. Why didn't TransUnion, XXXX and XXXX do the same leg work that they want the consumer to do before they posted said inaccurate 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 2022-09-22
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:
On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX  XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.

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 2022-08-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, has violated my rights. 

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

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

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX  XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.

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 2022-12-03
Company: CREDIT ACCEPTANCE 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: Reporting company used your report improperly

Complaint:
15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for 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 2022-12-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used XXXX times on the same day at XXXX different gas stations, XXXX was forty miles away and the at the same station I go to.called chase and told them and locked my card, waited a week without my card, got a refund for both which the total was XXXX XXXX.now XXXX weeks later they reversed the charges without notifying me why.I called they said they feel its not fraud.Ive been a customer with them XXXX years with same account, there is no pattern here.I did not make these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: American Finance LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft since 2011. After my son passed away in my home i never returned to the home and gave all of my belongings to my family members. It was during this time someone very close to me stole my personal information. For years I have struggled to clean my credit report and i've always grown discouraged because there's always a new account or inquiries being reported. This has caused my credit score to always decrease and i'm very stressed with trying to fix everything. I have a car loan through american finance being reported on my credit report that i have been disputing with all three credit bureaus. This account does not belong to me and after reviewing all three credit reports they do not all reflect the same information. In accordance with the Fair Credit Reporting act I ask that these accounts be reviewed and removed from my credit reports because they have 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 an account without my written instruction. 

I believe the person that stole my information is my sister XXXX XXXX because shes been connected to other accounts previously removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometime last year, my loan servicing was transferred over to PHH Mortgage. Almost instantly, I started to receive a barrage of emails, and postal letters, and even phone calls trying to upsell me and sending unsolicited requests to try to refinance my house. When i say a barrage, I mean EVERYDAY I would receive a new message in postal mail, and several times a week I would get emails about home mortgage refinancing ... home equity loans... literally anything and everything you likely never wanted to do with your mortgage. It was unending. To the point that I finally reached out to PHH and requested they stop. I got an email saying they would. The torrent subsided slightly... but only slightly. I can not get off their mailing list. I can not seem to get it through their heads to not call me on the phone to try to sell me on some XXXX  mortgage product. They seem to survive by harassing their own customers. I just want to be left alone.

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