BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Self Financial Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is in reference to an email that I received on XX/XX/2021 stating that my credit card account will be terminated if a payment is not made. I must first start off by saying that is fraudulent. Pursuant to 15 U.S. Code 1602 ( j ), this card is supposed to be an open-end consumer credit plan, which leads to the billing errors ( see attachment labeled EXHIBIT B ) Pursuant to 15 U.S. Code 1666 ( b ) ( 1 ). This is false and misleading ( 15 U.S. Code 1692e ( 2 ) ( A ) ) being that the balance is reflecting in a positive amount ( see EXHIBIT A ) when in FACT it should reflect in a negative amount. The statement also states that there is a payment due, how can a payment be due in an open-end consumer credit plan? This constitutes as unauthorized use pursuant to 15 U.S. Code 1602 ( p ), if I use my card and have to pay it off, it serves me no benefit which means you are misusing my actual credit card ( SSN ). Again, that is false and misleading. I am a consumer and owe no allege debt. Also, pursuant to 15 U.S. Code 1637 ( a ) ( 1-3 ), you are required to give disclosures as to how your rates are calculated and not just a number. According to the statement labeled EXHIBIT A, there is an APR associated with my, Self visa card. This means that there is a finance charge associated with the card, which means a security deposit was fraud because pursuant to 15 U.S. Code 1605 ( a ), The finance charge does not include charges of a type payable in a comparable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: NV
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 applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Credit Systems ( The DebXXXX Collector ) record on my credit file was previously disputed by me multiple times. XXXX. ) The Debt Collectors deliberate misrepresentation of the debt that was in dispute more specifically the changing of the Date Opened from the date originally on file to effectually report the debt as current. 
XXXX. ) The Debt Collectors deliberate misrepresentation of the amount of the debt evidenced by the random increase in the debt by {$1.00} and subsequently reducing of the same by {$1.00} in less than a month. Example of one harmful effect to credit file The percentage of your accounts always paid on time has decreased by 4 % quoted directly from the report subsequent to the manipulation significantly reducing my credit score. 
Detailed Letter and Images will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter warfield put a collection mark on my credit. They never tried to contact me. They admitted to sending the initial contact letter to their own client not me. I was the one to reach out to them after I noticed the mark on my credit and have Contacted them numerous times since requesting a signed lease from XXXX XXXX XXXX ( the said property they say I owe ) I have already expressed to them that this debt is not valid and they have tried to get in touch with XXXX properties to get this information and they have not been able to get a-response from them. They have even closed my dispute with them and I had to get them to reopen it. I should not have to go through all this trouble to get a mark off my credit that they have fraudulently put on there. All they have sent me as proof of debt is some types bill from XXXXXXXX XXXX. I have never had an agreement with any of these companies and I do not owe any money to them. I have asked for Hunter warfield to remove this from my credit and all I get is a bunch of fast talk and over talking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I submitted the identity theft reports, provided a report circle the fraudulent accounts. Transunion has claimed the accounts listed below have been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX/XXXX/XXXX I owed exactly {$1800.00} On XXXX/XXXX/XXXX the transaction has still not gone through and now I owe : {$1800.00} This happens every time I try to pay off a loan. We are setup to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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:
My personal identification and credit information was allowed to be released by Equifax through lack of adequate cyber security and that theft of MY information was withheld from me for over 1 month. This has caused me to incur costs to freeze my credit ( through all three credit bureaus ) to prevent future credit theft. 
Equifax has acted unlawfully by withholding this theft of my information from me, by conducting insider trading in the selling of company stock after the cyber breach and before they publicly acknowledged it, and by not providing me with long term credit and identity fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Was told that the we would be financing the car for XXXX but once we got paperwork the company is charging XXXX instead and the car has tons of problems. Was made to put down XXXX plus a trade in for a car with several issues and they cant even do deferred payments. Was told today that the due date depends on the agent and day.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

XXXX XXXX  - account # XXXX XXXX  XXXX XXXX  XXXX  - account # XXXX XXXX  - account # XXXX Has violated my rights.

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 2017-09-11
Company: EQUIFAX, INC.
State: AR
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:
As you know, Equifax had a security breach that exposed the financial information of almost half the population of the US to hackers. This will create life long identity problems for millions of people. I went to the Equifax website and entered my information to see if I was one of the accounts that was involved. Equifax can not tell me if my data has been exposed. The website they setup for people to check if they are involved is not secure. They also withheld informing the public of the breach for two weeks ( while executives sold millions of dollars in Equifax stock ). This is not the first data breach at Equifax. This company should be held accountable for the pain this data breach will cause and the criminal behavior of the executives after the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-06-17
Company: EQUIFAX, INC.
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:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account XXXX XXXX XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 number - XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because of the XXXX Data Breach, I attempted to add a credit freeze to a paid credit monitoring service with Experian. I have been unable to log into my account for two days, and when I contacted Experian today ( XXXX XXXX, 2017 ), I was told that all of the servers were down due to inclement weather in Florida. I am troubled that Experian is n't required to have a redundant system, or hot site, to continue to conduct business similar to the requirements for banks. 

I am unable to place a freeze on my credit reports to safeguard against the XXXX data breach, and I find it unacceptable that Experian is not able to monitor and report changes in my credit as they agreed to in the " Triple Alert '' monitoring service.

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 2020-10-07
Company: ALLY FINANCIAL INC.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-06-17
Company: Experian Information Solutions Inc.
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:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they 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 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 non-monetary relief
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of 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. So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

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 2017-09-11
Company: Moria Development, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was reached by XXXX XXXX Loan XXXX at XXXX Mortgage, XXXX Utah about financing my mortgage for my potential home listed at XXXX XXXX XXXX XXXX. XXXX, Ga XXXX was well at first, he was going to assist with a No Down Payment Program ( my husband had a stoke in XXXX and most of our cash was depleted by medical bills but this program was a great fit, or so he said XXXX .Then the Down Payment Program closed according to him, so i had to come up with almost XXXX. So I came up with XXXX dollars. 
So he said since I did n't have all the money that the Down Payment Program was back, and I could close with that program.So I asked why did you not tell me this before? So now we are back to the XXXX Payment Assistance XXXX. 
So now I have paid for my Appraisal ( FHA ) it took XXXX weeks to get the Appraisal XXXX XXXX days before closing he calls and says the office was shut down and someone will call me within XXXX hours and I would close on XXXX I was suppose to close on XXXX/XXXX/XXXX and I have called many times I talked with XXXX XXXX # XXXX he said he would return my call, and get it taken care of, this was a lie, today I still have n't heard from anyone at XXXX XXXX talked with XXXX last week around the XXXX at the other Peoples location and he said XXXX XXXX # NMLS # XXXX would call me but no call from him either. 
I do n't know how they do business in Utah but this is unexceptionable! 
I pray that they do n't continue to mislead people like this and if they ca n't close loans in Georgia why are they soliciting business in this state?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?

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 2018-11-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I worked to pay the total balance, and have brought it down from over {$1500.00} to {$300.00} & when the interest was added, it was added based on {$1500.00} & not on the remaining {$300.00}. No company should be able to charge double the amount of interest on a deferred balance, there should be some sort of limits set for the balance and amount of interest charged. I am XXXX and on a fixed income, and can not afford to give them an additional {$260.00} plus additional interest.

Company response to consumer: Closed with explanation