BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit acceptance is being reported as a collection on all 3 of my credit bureaus, this was NEVER a charge off/collection. This was an auto loan with monthly installments. I paid it off in full XX/XX/2020 with no remaining balance. This account should NOT be considered a charge off/collection account. I have sent two letters to credit acceptance with NO response from them so I am asking for your help. I had XXXX in XXXX and got behind in this auto payment but always paid it so its really disheartening that they have put it under a collection/charge off because this was never the case. I paid it weekly and then paid it off. Thank you for looking into this as I am trying to purchase a home for my family of XXXX with my XXXX being in XXXX. I really need this deleted off my credit bureaus if possible. 

Credit Acceptance XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX - account # 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 2017-10-12
Company: RoundPoint Mortgage Servicing LLC
State: MS
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:
On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX raised my house payments on the original contract from {$700.00} to {$920.00}. the company said I was behind on escrow payments which included property taxes that I do not have to pay due the law that I am 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 2015-12-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I signed up for a PayPal account to transfer money to a photographer for a photo shoot. I received a letter in the mail from PayPal a week later or so stating that I was not approved for a line of credit due to too many credit inquiries on my credit report. I am really upset because I did not want a line of credit from PayPal. I had just purchased a new vehicle and some new furniture so I knew I had recent inquiries and did not want any more. This has now gone against my credit and it really made me mad and confused because I had no idea that I was even applying for a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company has a balance of {$930.00} listed on my credit report. However, I was a victim of identity theft in which I never had an account with XXXX and my personal information was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Upon information and belief based upon media reports the Bank of America is illegally and without my knowledge or permission reporting certain of my financial information to government! 

And so if I transfer, say, {$1000.00} from my Social Security check deposited with the Bank of America to another bank, the Bank of America reports this even though there is no additional income involved but just a transfer of my Social Security money! 

If this be so, it is intolerable and illegal and totally and completely un-American! 

I respectful want and demand a written statement that this be not so or that it is so if it is so!

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 2016-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the State of Texas with a P.O. Box as a debt collector. I am in need of another Investigation to remove them from my credit report please.

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 2015-05-29
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the Credit Bureaus/Agencies XXXX XXXX and TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

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 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureau 's. They left a wrongful dispute on my credit report. The account number is as XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have sent a letter in for this company and they did not do any investigation and I've sent a letter out twice already and did not get any response and it's been over 3 months now. The dates I've sent these letters out were XX/XX/21 and XX/XX/21. I did not grant these companies authorization. I will attach the files with the inquiries for the investigation.

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 2015-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my account with Nordstroms off and it was closed per my request, XXXX is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on Nordstoms end but XXXX is not Displaying it correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: Utah System of Higher Education
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for me.

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 2015-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Dear TransUnion : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX 9. XXXX XXXX on XX/XX/XXXX 10. XXXX XXXX on XX/XX/XXXX 11. XXXX XXXX on XX/XX/XXXX 12. XXXX XXXX on XX/XX/XXXX 13. XXXX on XX/XX/XXXX 14. XXXX XXXX on XX/XX/XXXX 15. XXXX XXXX on XX/XX/XXXX 16. XXXX on XX/XX/XXXX 17. XXXX XXXX on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2016-08-25
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Company sent me a copy of my old personal info being scratched out and replaced by someone info and then sent me a collection bill. I have not done any business with this medical office for the last 5 years!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Vanguard Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Very upsetting I work for XXXX and have been suffering mental and physical anguish, our local non profit Medical company XXXX have been sending debt I was unable to pay on to A ) XXXX XXXX services which Is their own company and B ) Vanguard Financiancial services These are counting against my credit score! 
I has a total mental breakdown last XXXX and am under a huge amount of stress from so many directions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
State: IL
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:
I am unaware of who made the credit inquiries on my report but it was not me.

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 2017-01-20
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-12
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation