BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-07-29
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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, XXXX XXXX  Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00}, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX balance {$1700.00} 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 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 2022-07-29
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Experiencing financial hardship I have attempted to deposit my stimulus check from the U.S. Department of Treasury. Current Mobile bank states this check could not be verified. In turn, confirmation from U.S. Senator XXXX XXXX 's office with the verification, Taxpayer 's Advocate ID, was submitted still wasn't enough for Current Mobile banking. 
Yet, this bank advertises for direct deposit to include Social Security checks which are dispersed from the only U.S. Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Despite making all of my monthly payments on time and paying over {$14000.00} in interest, the company refuses to provide me with any payment arrangements due to a financial hardship, unless my loan becomes 30 or more days past due- thus negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Care credit closed my account in XXXX of XXXX  due to the fact that they attempted twice to pull from an auto pay account that I had set up, but I had changed bank accounts and updated it with care credit but they kept pulling from my old account. I never received any notifications of a failed attempt at paying nor did I receive any confirmation. It wasn't until late XXXX when I received a notice that the account has been closed. Then, they added multiple fees overdrawing my account taking me {$1100.00} over where I was originally charging me interest above the current interest.

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-03-04
Company: Affirm Holdings, Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a call from Affirm at approximately XXXX PST. Representative supposedly from Affirm asked me to confirm that I was applying for a new credit card associated to my cellphone number. I confirmed that I was not. Representative sent me a text asking for a pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Account information incorrect

Complaint:
The Fair Credit Reporting Act says that, information on a credit report has to be timely, verifiable and accurate. I have made several attempts to remind the bureaus of their duty pursuant 15 USC 1681. It appears they are intentionally and willfully neglecting my request to investigate this account. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filling this complaint as another attempt to get this resolved. XXXX XXXX  is reporting inaccurate and incomplete information about me, which causing me serious financial stress. XXXX XXXX  account shows no payment history is being reported to TransUnion and a different payment history to XXXX and XXXX. XXXX XXXX  deleted my entire positive payment history on TransUnion and created false data to show that the payment history is being reported accurately and fair. This account is now inaccurate, incomplete and no longer fair and must be removed from my credit report immediately. XXXX XXXX  took away all my positive payment history before the account was charged-off and the time is absolutely wrong because they deleted their own payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
1. Ford Motor Credit Company closed the auto loan in XX/XX/XXXX without notifying me in writing per the loan agreement. 
2. Ford Motor Credit Company tried to repossess the vehicle in XX/XX/XXXX without providing the 10 day notice in writing per the law requirement. 
3. Ford Motor Credit added {$12000.00} in interest after the company closed the loan and marked charged off. No additional fees or interest can be added afterwards. 
4. Ford Motor Credit refuses to provide reasonable accommodations to make monthly payments, re-open the loan or allow for refinancing with another financial institution.

5. Ford Motor Credit reported falsely on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am an XXXX  lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX  they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  DELAWARE XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money, Nationwide Credit Inc. 
they are harassing me, calling me, being threatening to me if I don't pay them, I want this company to stop all communication with me and stop harassing me for money I don't owe them, I have no contract with this company, and had no services or bought any products from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On my credit report there is a fraudulent account on my report for a LEASE from a company called ACIMA FKA opened in XXXX for XXXX XX/XX/2017 to be exact I reported it as fraud to the company themselves and to XXXX credit bureau a year ago when I discovered it I am told I must make a complaint so that they can investigate and remove it Or make a police report Acima phone number is XXXX Please help me get this fraud off of my credit report ACIMA will not even tell me what property was leased using my name and SS # although I can prove I have lived here for 7 years and did not lease any property in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance Corporation is a Predatory Car lender that gave me high-interest subprime auto loan. The lender harassed me with phone calls. They called me from unknown number asking for payments. They also placed this on my credit report causing without my permission. The company has profited from this loans, and I have experienced credit harm, and lost my vehicle through repossession ( Still a harasser after repossession ), and down payments. I was also a subject to hidden finance charges, which I believe is in violations of the states usury cap. I was also unaware of this higher-risk loan. 

In accordance with the Fair Credit Reporting Act, Credit Acceptance Account XXXX XXXX has violated my right. 

Highest Balance XXXX Opened XX/XX/XXXX Term 66 months ( 5 years ) Last Payment XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 604 A Section 2. It also states a consumer reporting agency can not furnish an account without 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 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been call and writing Serve by AMEX for almost one year about unauthorized charges on my account. They are rude and constantly hang up. The following transactions were unauthorized : XX/XX/2021 - XXXX XXXX {$72.00} XX/XX/2021- XXXX XXXX {$36.00} XX/XX/2021- XXXX XXXX {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  account number 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 2022-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report through XXXX XXXX software in the beginning of XXXX XXXX. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-Experian
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX  Demanding that all three credit bureau's remove the late payment due to all three credit bureau's being in violation for not displaying 100% accurate information on my report. I then also included a copy showing the account 
( XXXX XXXX XXXX XXXX)from XXXX XXXX displaying that in fact all three credit bureau's are displaying inaccurate information.
I received my credit report from all there credit bureau's 30 days later informing me that they verified the information and that it was accurate.
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau's are committing against me at this time such as (Pursuant 15 USC 1681a 2(A)(i)  &  FCRA 15USC 1681a 2Ai )
I then sent out a second letter on XXXX XXXX XXXX by certified mail
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
demanding once again for all three credit bureau's to remove the incorrect information from my report and that all three companies are in clear 
violation of the laws. I made sure once again to send a copy from XXXX XXXX   software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights.
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud.
If this matter is not resolved in a timely  matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX
I greatly appreciate the 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 2022-12-02
Company: DISCOVER BANK
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 this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 US 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.

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