BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery keeps calling after I have told them to stop calling me I even blocked their phone number but to no avail they call from other numbers I need a refund or payment from them for violation in which you guys have made claim that they owe people for there unethical tactics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The truth and lender act state that the lender requires to say the term of the agreements and I was never told that I would have to put a down payment on a car if they ran my credit score account to section 15c that in a consumer transactions that a cash payment is not required.

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 2023-02-27
Company: UMPQUA HOLDINGS CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I signed a contract agreement with Pacific Financial Leasing for a Used XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a used XXXX XXXX & XXXX XXXX XXXX XXXX. 

I have contacted Financial Pacific Leasing several times and have received no help from them. 

Plain and simple, what they did is fraud.

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 2023-04-24
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Summary : In XXXX of XXXX I became aware that XXXX XXXX had placed a debt on my credit report ( all 3 agencies ) for a debt collection from XXXX XXXX in XXXX, NY. I disputed this collection in XXXX of XXXX. I also filed a policy report with XXXX XXXX and their phone number is ( XXXX ) XXXX. I also filed with CFPB. This debt was found not to be mine and was removed from my credit report. 

In XXXX of XXXX, I noticed a 'new ' collection for the same debt through a different debt collector via a notification from XXXX. The collection was from EOS CCA  XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX. I had received no written or verbal communication from them. I have contacted the 'collector ' and explained the circumstances and have sent written letter and same documentation as provided in XX/XX/XXXX to XXXX XXXX 

It would appear as though this same debt/collection was 'resold ' to a new debt collector even though XXXX XXXX and XXXX XXXX knew this was fraud/identity theft. I am requesting this immediately be removed from my credit. The only place this debit is currently reported is to XXXX and it was disputed as fraud in XXXX of XXXX. 

Contacts : XXXX- Collection agency placing XXXX XXXX debt credit file, disputed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - Noticed this collection on XXXX credit report and disputed it. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policies. 

I would like to request that PayPal re-investigates my case and restore my account if possible. I rely on PayPal for my business and personal financial transactions, and this limitation has caused me significant inconvenience and financial hardship. 

I would like to stress that I have always complied with PayPal policies and regulations. Therefore, I am perplexed and deeply concerned about the limitation imposed on my account. I respectfully request that PayPal reviews my account thoroughly to see that I have not breached any of your policies. 

I understand that PayPal takes fraud and abuse seriously, and I fully support the company 's commitment to protecting its users. However, I assure you that my actions have been in good faith, and I have not engaged in any fraudulent or abusive behavior. 

I would appreciate your kind consideration of this matter, and I am grateful for any assistance you can provide in resolving this issue. Thank you for your time and attention to my appeal. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting called from Portfolio recovery associates. They arent asking for me but continue to call me over and over even after I informed them Im not the person they are asking for. Its repeat calls at all hours and weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
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:
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under. The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately. 

Informative Search ; Date : XX/XX/XXXX Informative Search ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2, also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a cred cared account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: ID Analytics, Inc.
State: NC
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:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this collection account on my reports with Diversified Adjustment Services for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Affirm Holdings, 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: Account status incorrect

Complaint:
On XX/XX/XXXX Affirm Inc flagged my credit report as being 30 days past due. On XXXX XXXX XXXX  I contacted XXXX to dispute the inaccurate reporting by Affirm. I provided all documents to XXXX to validate that my account was inaccurately flag. 


Dispute Details : Account with Affirm was opened on XX/XX/XXXX with payments due on the XXXX of each month. On XX/XX/XXXX my monthly payment was made with the next payment and the next scheduled payment due on XX/XX/XXXX. However, I made the final loan payoff made on XX/XX/XXXX. This XX/XX/XXXX layoff was only 9 Days past due of my XX/XX/XXXX due date. This was not 30 days past due. 

On XX/XX/XXXX I received an alert from XXXX regarding the results of the dispute. The dispute read that there is no change to my credit file stating that Affirm reported the 30 days past due as accurate information. This was upsetting to say the least considering how hard I work on keeping my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has violated my rights. 

15 U.S.C 1681 section 602 A states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-17
Company: CBC Companies, Inc.
State: NY
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 tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX flagged my credit report as being 30 days past due. On XX/XX/XXXX I contacted Experian to dispute the inaccurate reporting by XXXX. I provided all documents to Experian to validate that my account was inaccurately flag. 


Dispute Details : Account with XXXX was opened on XX/XX/XXXX with payments due on the XXXX of each month. On XX/XX/XXXX my monthly payment was made with the next payment and the next scheduled payment due on XX/XX/XXXX. However, I made the final loan payoff made on XX/XX/XXXX. This XX/XX/XXXX layoff was only 9 Days past due of my XX/XX/XXXX due date. This was not 30 days past due. 

On XX/XX/XXXX I received an alert from Experian regarding the results of the dispute. The dispute read that there is no change to my credit file stating that XXXX reported the 30 days past due as accurate information. This was upsetting to say the least considering how hard I work on keeping my credit in good standing.

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
On XX/XX/23 Capital one removed my credit card from XXXX and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called XXXX on XX/XX/23 and they said I needed to contact capital one if I wanted it added back I then called capital one and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to capital one asking them to add my credit card back to my XXXX and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently pulled my credit report and noticed that a loan was there in my name for an Exeter Finance Company for {$3800.00} which I have never had after contacting the credit bureaus they gave me information on who was reporting this. I disputed the information and gave them my information and was asked for an FTC report for Identity theft which I filed on XXXX then I was asked for a Police report I sent it via certified mail and via email that report number XXXX they called me on XXXX telling me I was responsible for this debt per their investigation. they sent me copy of a contract with an address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
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 was contacted by me in XXXX to be removed as a authorized users. I never used this card and never received a bill, statement in my name. I sent a letter in XXXX to XXXX to opt out of reporting and to ask them to remove this account from my report because it is not my responsibility but was hurting my credit profile. That request has gone ignored and I disputed this with all credit reporting agencies who have recently lied and fabricated my report by stating that this account is my account and it has been verified. XXXX has never provided me with such documentation to confirm or validate that I am the responsible party for this debt. XXXX, Experian, XXXX and XXXX have all committed fraud and have knowingly been reporting inaccurate information on my credit profile per 15USC1681. You will see in the letters below that the mail from XXXX is not for me I am not the holder or any longer a Authorized users on this account. Invoices for Remedy due to damages I have faced from their illegal negligence will be mailed out the week of XX/XX/XXXX to all parties involved in this fraud against me. 

XXXX, XXXX Experian and XXXX are already in violation of the below code : The privacy act of 1974 15 USC 6802 20 USC 1232G 5 USC 522A 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character

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