BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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/XXXX. I disupted multiple inaccuracies with Equifax To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, 30 60/90 late. 4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - XXXX account and late payments are in accurate 6. XXXX/ XXXX XXXX 1- 30 day late payment Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. All of the above need to be deleted and show positive. Please have equifax validate and show proof by providing documentation here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: The Outsource Group, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: MD
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 2 It also state a consumer Reporting agency can not furnish account 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 2021-01-30
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
In order to pay off an auto loan balance, I mailed a bank check for {$28000.00} on XX/XX/XXXX. The check had not cleared or been shown on my loan balance as having been received, so I made additional payments in order to keep the next automatic withdrawal from occurring, assuming the check had been lost. I sent three separate online banking payments, one of {$10000.00} onXX/XX/XXXX, one of {$9000.00} on XX/XX/XXXX and one of {$9400.00} on XX/XX/XXXX. This morning, the original check of {$28000.00} cleared my checking account. I immediately contacted Hyundai finance, they acknowledge they had received double payment, and said that it would be 15 business days before the refund would be issued by snail mail. It seems a direct wire or bank transfer is the proper way to handle a refund of this magnitude.

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 2022-08-17
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The disputed items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$2500.00} If you feel there is a possibility these items 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 items are 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission so you know it's not a game. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR 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 2022-01-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account showing missed payments on student loan. Account was never paid late.

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 2021-07-24
Company: Paramount Recovery Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I first knew about the " debt '' when it went on my credit report on XX/XX/XXXX. I never recieved a letter to notify me of the supposed {$310.00} debt. I called Paramount Recovery Systems immediately after I noticed it on my credit ( the same day it went on there, XX/XX/XXXX ) and the woman I spoke to told me that the only thing I could do was " pay the debt, there is no other way to get rid of it ''. Obviously I know this is a lie, I soon contacted the originator of the debt and they no longer use the company that reported the debt. I contacted my insurance company and they informed me that the bill was paid back when services were rendered in XXXX. I immediately had the insurance company send proof of this to Paramount. Paramount confirmed the receipt of the EOB to me personally on XX/XX/XXXX, and even provided the name of the person from my insurance company that sent it. Since then the account has been removed from only one ( 1 ) of my credit accounts. After noticing this I immediately disputed the account on the remaining two ( 2 ) credit accounts, and Paramount told both that the account was accurate. On XX/XX/XXXX I had my insurance send another EOB to paramount with me on the line as well. Now it is fifteen days later, and nothing has changed with my credit accounts. I haven't heard from paramount, and they do not pause the account while " confirming the accuracy of the account ''. This has now been damaging my credit exponentially for nearly two ( 2 ) months and has been reported as " late '' every month since XXXX. I would like assistance in getting this cleared, because this is damaging my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CORELOGIC INC
State: MI
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:
There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.

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 2022-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX Co 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Recently I decided to move to Sofi to refinance my student loans to a lower rate. A representative from SoFi informed me on the phone that if I have a Sofi Savings Account, I will get a 0.125 % discount for my student loan refinance. So I did. I opened the savings account. When my loan was funded, I see now that the promised 0.125 % discount never materialized. When I called SoFi, they said that I needed to have a positive balance in the Savings Account. I mentioned to the representative that no one said anything to me on the required balance amount. The representative said even a {$1.00} of balance would have helped you with your discount. 

So basically based on the miss-information and the promise of the 0.125 % discount that Sofi provided, I moved to SoFi. Not only I did not get it, but also the representative did not even try to work out a solution. SoFi has the recordings from that day and if you listen to it, you will hear the miss-information. I have attached the recording from my conversation with SoFi representative that he agreed for me to record from today 's call. 

This is not right that a company gets away from giving miss information and the consumer is left alone to the corner after they get my business. I could have gone to another company with a lower rate like XXXX XXXX, but choose SoFi based on the additional discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few months ago I discovered an account on my credit from XXXX XXXX XXXX. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called M Leonard Associates whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: AMERICAN EXPRESS COMPANY
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: Problem with personal statement of dispute

Complaint:
During the Covid pandemic I was let go from my job and was unemployed for about a year, during this time I spoke with a service rep at American Express about my account, after seeing that they had posted on the website that they have a Cares act plan in place for people who are affected by the Covid pandemic, during my call I ask the rep if they could suspend the account until I was back working and freeze the payments and late fees the rep explained that this could not be done by the next payment bill I noticed late fees piled up along with dropping my credit limit which in turn maxed out my credit card causing my score to be affected and my payments to minimum increase after 120-150 days they closed they account and continue to report this account negative to the credit agencies as they continue to contact me during the dispute process I ask if they were willing to reopen my account remove the late fees and I will start paying on my balance, the rep told me this is not possible and said I have to pay my entire total including late fees which accumulated during the pandemic only to have to reapply and if Im approved start out with a credit limit of {$500.00} seeing that my credit score is and has been drastically affected by the pandemic I would be extremely unlikely to get approved again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX/XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # XXXX - XXXX  Account # XXXX - XXXX Account # XXXX - XXXX/XXXX  Account # XXXX - XXXX Account # 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 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX/XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX  Account # XXXX - XXXX  Account # XXXX - XXXX Account # XXXX - XXXX/XXXX  Account # XXXX - XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-06-15
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This car was purchased on XX/XX/2016 which was by my ex- husband. At the time of the purchase we were divorced. I NEVER consented to this purchase. I have reached out to XXXX XXXX or Bridgecrest several times ; however they refuse to remove me from this loan. I have reached out to XXXX XXXX to get the original documents with the real signature ; however all they have is the digital copy which is complete fraud. I have attached the divorce documentation as well as a copy of the digitally signed purchase agreement that I was able to get from XXXX XXXX. In order to keep holding me accountable ; I need the original documents with my signature ( which they will not find ). This should be removed my credit file ( which is not in bad standing ) if they can not prove that I walked into XXXX XXXX and physically signed this document ( which I didn't ).

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