BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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 sent a dispute letter to Experian for my XXXX account on XX/XX/2022 simply asking for them to validate the account. They completely re-aged the account and reported payments that I had not made on the account in order to change my date of last activity. I disputed it again and made it known to them what they did. They updated the account, so it no longer was re-aged, but there are so many errors on this account that they have not corrected and are still reporting false payments among other things. I have already sent 3 letters about this account, and it is highly damaging to my score with all of the false and 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 non-monetary relief
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: 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 U.S.C 1681. 

1. U.S. DEPARTMENT OF EDUCATION XXXX 2. XXXX XXXX XXXX XXXX. XXXXDEPARTMENT OF EDUCATION XXXX 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 reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime 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. 

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well. 

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I opened my auto loan with XXXX / Bridgecrest on XX/XX/XXXX. My monthly payment is {$370.00}. I have never been 30 days past due on my auto loan. My last payment was {$760.00} on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and informed representative that my employer had not payed my direct deposit. I asked BridgeCrest to defer my payments for XX/XX/XXXX & XX/XX/XXXX. Furthermore, I asked representative if I had ever been 40 days past due on my auto loan and she said no, I asked her based her her experiences what are the chances of my payments getting deferred and she said she does not see it being a problem. Informed representative my employer would have to research where the deposits is. Representative processed my request for the deferred payments that were due on XX/XX/XXXX and XX/XX/XXXX and said I would receive email with decision. Received email today and I was denied. The XXXX XXXX requires creditors to work with consumers that has harship paying on loan. I did the right thing and called Bridgecrest to have loan payments deferred and I was denied. It is bad enough I have to deal with high prices for food and essential items. This is sad.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 U.S.C 1681. 

1. U.S. DEPARTMENT OF EDUCATION XXXX 2. XXXX XXXX XXXX 3. XXXXDEPARTMENT OF EDUCATION XXXX 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 reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime 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. 

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well. 

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )

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 2023-10-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for a loan and was denied due to a collection I was unaware of. I called the apartment complex, XXXX XXXX  XXXXXXXX, and talked to the property manager on XX/XX/. They sent me an itemized final statement in the amount of {$760.00}. I asked how to resolve the debt and remove it from my credit report and they notified me that they had sold the debt to a collections agency. I contacted the collections agency and they said I owed {$3700.00}. I had asked the agent where they got that number and they could not provide me with an answer. I had sent the itemized bill from the property manager to the collections agent and the collections agent said they would scan it in and update the amount owed. I received an email from the collections agency on XX/XX/XXXX with an itemized bill and a termination fee of {$3000.00}. The collections agency added charges that were not on the final statement from the apartment complex. They had also added interest charges, none of which were included in my leasing agreement. The collections company charges and not consistent with the final bill verified by the property manager through the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-07
Company: EQUIFAX, 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/2022 I sent a letters Equifax credit reporting The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I havet given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Atlanticus Services Corporation
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:
This account showed up on my credit report. This account never belonged to me. I contacted the company and was not able to get resolution after several attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: DISCOVER BANK
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My wife 's XXXX account was hacked and my credit card information was in her account. She received an email stating that my credit card was declined for a purchase made for {$220.00}. She immediately changed her XXXX password and I called the credit card company to report this fraudulent transaction. The credit card company cancelled the credit card and issued me a new card. I also have the name and address of the person who tried to make this purchase. the name of the person who tried to make this transaction is XXXX XXXX XXXX and his address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. It happened today XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I used XXXX XXXX XXXX that specializes in credit problems. I paid them monthly for 1 year and still havent been able to correct my credit scores back to XXXX as previously!!! PLEASE HELP!!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: VA
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 and XXXX XXXX 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, Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-24
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:
At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, equifax, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX XXXX {$150.00}, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The entire month XXXX and XX/XX/2023 I have been communicating with National Credit Systems. I have sent an Identify theft report, affiliated, police records. I have done everything that was asked in order to remove the Dept and in the end they told me the owners of the apartment community ask them to proceed with the Dept. The apartment isn't even in my name and they said I was the guarantor. I asked for document showing where I agreed to be a guarantor and they can't provide. the dept is {$10000.00}. Also the other apartment was showed that I owed {$3900.00} which I presented the court documents stating : Landlord agree to dismiss money judgment without prejudice. I have all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Did an online purchase and different amount was taken out. Close to {$70000.00} was taken which was suppose to be only about {$400.00}. Asked the company for a refund and the company asked for more to have it fixed. Asked the bank for help. The bank attendant said that it was done online and they are unable to help. It was bank that approved the amount and they do have the right to help. The company was scam and bank refused to 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 2022-07-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-09-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have XXXX products and so I am " locked '' into the ecosystem. Among the products I have is an XXXX Credit Card. 

Using this card allows you to purchase XXXX goods and services along with the advantage that you can have a payment plan posted to the Apple card ( where as if you used a different card, the entire amount is charged at once ) and it is this that make having the card attractive. 

However, there is a trap where the APR rates are NEVER lowered once you have the card. 

Over time, I have made on time payments and my credit score has improved. I was able to successfully contact other credit card companies and was able to get my APR lowered. 

XXXX, however will refuse to lower your APR at all and a XXXX search shows many people are told the same. 

I believe XXXX is being unfair and artificially keeping APR rates high despite credit score improvements and as stated earlier, if you drop using the Apple card, you can no longer place XXXX items on a payment plan ( for instance when purchasing high cost items like phones/ computers ) effectively locking you in because you can seldom purchase a computer on another card due to credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEM I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT THE ITEM LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED AND WILL SUE FOR REPORTING INCORRECT INFORMATION TO MY CREDIT FILE!!!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEM I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT THE ITEM LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED AND WILL SUE FOR REPORTING INCORRECT INFORMATION TO MY CREDIT FILE!!!

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 2023-10-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief