BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
On XXXX XXXX XXXX, I paid the agreed upon settlement amount in full for Credit Acceptance Account # XXXX. Per the settlement arrangement, Credit Acceptance agreed to update my credit report and send us the lien release ( for title ). 

On numerous occasions ( via phone and in the Credit Acceptance online portal ), Credit Acceptance confirmed ( and showed ) the " XXXX balance '' as per the paid settlement agreement. 

Despite payment in full, on XX/XX/ and for the next three months, Credit Acceptance continues to show a balance as {$13000.00}. 

My wife and I called and asked Credit Acceptance to properly report the balance on all XXXX credit bureaus. They refused. I was told that even though they see the XXXX balance, it's not their obligation to report that to the credit bureaus unless we file a complaint with Credit Acceptance in writing which could take 30 days. 

When I stated this is a Fair Credit Reporting Act violation, they said it's not because they only update balances when consumers file a written complaint. 

Even if this was their internal process for " closed accounts, '' what makes this an intentional violation is that Credit Acceptance reported the wrong balance and status on XX/XX/ on my " closed account '' despite their internal system showing a XXXX balance. 

To date, Credit Acceptance refuses to properly report my balance and update the status of this account on any of the credit bureaus. They have ignored my requests to report this accurately. It is causing an extreme financial hardship on me and my family. I am the primarily bread winner in my family and my credit has dropped almost XXXX points as a result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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 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 an account without my instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-13
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:
Equifax said to CFPB that the inquiry was deleted from my consumer disclosure XXXX XXXX  that the inquiry was deleted, but they never deleted anything. They lied to CFPB and the lied to me as well. i look at the credit report on XXXX XXXX XXXX and still there.I have enclosed an attachment of the credit disclosure that still show the inquiry. take a look.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: NAVY FEDERAL CREDIT UNION
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 tickets for XXXX XXXX back in XX/XX/2023 for {$320.00}. The show was in XX/XX/2023 and I never received the tickets. I contacted XXXX several times via chat asking for my tickets they told me that they were going to be mailed but they never was. Then I asked XXXX to let me get a refund, transfer, or sell the tickets but they wouldn't let me because they said they were being mailed. 7 days prior to the show they still were not mailed, I couldn't get a refund, transfer them, or sell them, so I reached out to XXXX again. A few days before the show they were available to mobile download and thats it. I couldn't use the tickets and so no one use the tickets. I disputed all of this with the bank, sent numerous chat messages between me and XXXX showing they wouldn't help me with the tickets. Eventually my bank credited me the money back {$320.00} after about a month after the dispute and I thought I got my money back. Recently, I noticed a withdraw on my account for the tickets again and so I called the bank and they told me that they were just balancing out my credit card account because I got a new card with updated expiration date and that I hadn't actually got charged again. Today, I got a letter in fact telling me they charged me again for {$320.00} saying XXXX didn't do anything wrong. It seems every time I have a dispute with my transactions my bank doesn't protect my purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2022-12-01
Company: EQUIFAX, 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:
XXXX XXXX Account XXXX Amount {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXX Amount {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX. 
Amount {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account Number XXXX XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX  Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TransferWise Ltd
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Admittedly, I unknowingly participated in the process by providing essential personal information before I realized I was being scammed. On XX/XX/2022, I called a number from an email invoice supposedly from XXXX on the purchase of an XXXX laptop for {$340.00}. Since I had not made such a purchase I called the phone number ( XXXX ) to inquire. Identifying themselves as XXXX XXXX XXXX  Fraud Security Unit. I was informed that my XXXX account had been hacked. The laptop was purchased by a " XXXX XXXX in Ohio '' I was asked questions about if I knew the person or anybody in Ohio that would have access to the account etc. I responded NO, I rarely use the XXXX account. Instructed to go to XXXX XXXX and download " XXXX ''. They took control of the cell phone, I was instructed not to touch it or answer calls that were coming in. They signed me up for Wise.com using the personal information provided. Apparently, they knew I had a XXXX XXXX credit card because they asked if I had it. They used that information to charge {$1000.00} putting it into the Wise account they set up in my name. ( This detail I discovered through my investigation ) When I protested the charge to XXXX XXXXXXXX " No mam, no charges to your account this " is blocking codes '' so we can block the Ohio hacker. {$990.00} was sent to XXXX XXXX ( XXXX ). I became suspicious when another charge was attempted for {$850.00}, however, it did not go through declined by XXXX XXXX. I was asked for another card or if I had a XXXX XXXX account. By now knew this was not right and a scam. Protesting and refusing to cooperate further, I was transferred to a Manager, XXXX XXXX who tried to convince me they were legitimate. However, while on hold though told not to move my phone screen. I more closely evaluated the initial email that prompted my phone call and realized it was phishing. The bottom line this {$990.00} charge was obtained fraudulently. I am disputing the {$1000.00} charge with XXXX XXXX and seek your cooperation in getting the {$990.00} from XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: WY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 2023-08-15
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've called the company since XXXX of XXXX asking them to verify the debt. They answered me in XXXX of XXXX and did not verify the debt. Furthermore there are discrepancies with the balance amount and it has affected my access to credit drastically.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN 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 2023-08-21
Company: Navient Solutions, LLC.
State: SC
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 this creditor has violated my rights. Under 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Newport Intermediate Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
After canceling XXXX I had a balance of {$91.00}. I called and asked for them to issue me a refund CHECK. I received a prepaid XXXX with my refund amount issued by XXXX I do not want a card, I want a paper check as requested. 
With the card that was sent there was XXXX options XXXX. Pay with your card or mobile wallet XXXX. Request a bank transfer and XXXX. Request a paper check. 
When I filled out the form ( XXXX times ) to have a paper check issued. Each time I clicked on submit, it had an error message service failed. I preceded to call the customer service number on the card. Another dead end. This call was received with an automated prompt to check the balance or report a stolen or lost card only. This card does not offer an option to talk to a real customer service agent. 
I called XXXX back and explained to them the card company that has issued me the card is a dead end. They explained it is out of their hands. 
Id like northland to issue a paper check in the amount of {$91.00} to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
I have asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act Convergent Account : # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX # XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX ( XXXX XXXX ) # XXXX ( DEPT OF ED/XXXX  ) # XXXX ( XXXX XXXX ) have ALL 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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:
These inaccurate inquiries reporting on my credit profile. experian, XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2023-04-07
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This matter centers on a credit card I had with XXXX XXXX which I had paid off in XXXX. 
Some time later, I learned XXXX XXXX was reporting a balance owed. XXXX XXXX and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from Hunt & Henriques, LLC ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that Hunt & Henriques are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, XXXX days following receipt of their letter, I sent a validation notice response to Hunt & Henriques via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at Hunt & Henriques on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXX XXXX  on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to Hunt & Henriques sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent.

2 ) Validation of the basis for the debt.

3 ) Provide a copy of the last billing attempt by their alleged client.

4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that Hunt & Henriquez have a debt collection license in the State of California.

6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, Hunt & Henriques LLP has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the State of California.

Company response to consumer: Closed with explanation