BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
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: Account status incorrect

Complaint:
I called XX/XX/XXXX XXXX XXXX to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. XXXX XXXX online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called XXXX XXXX asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called XXXX XXXX asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows XXXX XXXX reported me 30+ days late XX/XX/XXXX. I called XXXX XXXX and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a XXXX XXXX rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " XXXX XXXX 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from XXXX XXXX would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery Associates continues to try and collect on a debt ( ostensibly XXXX XXXX ) that is time-barred by at least ten years. It has refused to provide validation/verification of debt despite oral and written requests from me over a period of years. The most recent request was during a phone call at XXXX on XXXX XXXX, 2016. Portfolio telephone number made from ( XXXX ) XXXX. Portfolio action includes multiple calls to my cell phone without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We purchased an automobile from XXXXXXXX XXXX XXXXXXXX XXXX, and financed the auto loan through Credit Acceptance Corporation. We purchased the extended warranty. After driving the vehicle only XXXX miles, the engine went out. A mechanic communicated with the warranty company on the needed repairs. The warranty company refused to authorize ( we later found out the warranty company is owned by Credit Acceptance ). We contacted Credit Acceptance to see what our options were. We could not afford to make XXXX  XXXX monthly payments AND pay a very costly engine repair bill, but if we didn't fix it, the vehicle was not driveable. We continued to make our monthly payments on time for months while this all dragged on, even while not being able to drive the vehicle in question. Credit Acceptance basically told us that we could either pay for the repairs or voluntarily give up the vehicle. They offered no other recourse or alternative solution. They told us to take it up with the car dealer, but by then, they had already closed and filed for bankruptcy. We ended up doing a voluntary reposession. We had to have the vehicle towed from the mechanic shop with the dissassembled engine in the back. They immediately turned around and resold the truck at auction for much less than fair market value. They then sued us. We got a lawyer, and the lawsuit was dismissed. We have disputed this on our credit report multiple times and they are unwilling to remove this from our report, which is affecting our ability to purchase a home. We had another loan with Credit Acceptance at the same time that was paid on time every month and eventually paid off. We attempted everything we could to resolve this and they refused to work with us, refused to honor their warranty, and the auto dealer went out of business and filed bankruptcy. So now, because we were unlucky enough to buy a lemon from an unscrupulous dealer with a loan from an unscrupulous lender, we can not buy a home. We spent thousands to pay an attorney to keep them from suing us, not to mention all the months we paid for the auto loan and insurance on a vehicle we could not drive.

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 2022-05-20
Company: Maximus Education, LLC dba Aidvantage
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:
department of education aka aidvantage was not given writtten or verbal consent to add 2 late payments on my credit report.not only that the 2 late payments time have lapsed which puts the creditor inaccuratley laving on my credit past the by the law 7years .acount was opened XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX  XXXX has been closed and reported to check system because of a fraudulent check that was deposited that was not made by me and now I cant open any more checking accounts any balance I owe XXXX XXXX XXXX I should not be held responsible for I have not deposited that check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Avant Holding Company, Inc.
State: NJ
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:
On XX/XX/XXXX, I get email informing me that I had open a new credit card and was over the limit. I checked my credit report and it shows a new credit card with a balance over {$3000.00} I called AVANT LLC/ XXXX XXXXl and was informed that their fraud department will look into. I never applied nor any of the three credit agent report that I applied and my credit report was pulled to open this new credit card. On XX/XX/XXXX, I called XXXX credit report and their fraud department need a report from FTC and copy of my drivers licence. Why would not credit card company process an application without no securities checks????? My ID has been stolen. Please help. I would like proof from AVANT showing where this application was submitted and what securities measure was taking to give out this new credit card. I live in the same address for the past 10 years. My cell phone is XXXX and my email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX sponsored another company called XXXX. I was told that if I fill out their promos Id be giving credit for doing so. I spent over $ 100+ and am being told they didnt track the fact that I did the promo. Now I am out of money and they are claiming they cant help. Wells Fargo is also saying they cant help despite the fact I was told one thing and the company did something else which should be considered deceit and/or misleading me I wouldnt have done the promo if they didnt offer a reward for doing so which is grounds for a chargeback I didnt receive the service I was told Id get. They also declined my claim. Hopefully others dont bank with them as they try their best not to help you.

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 2022-05-20
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX ***, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX ***, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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:
Experian Reporting : XXXX XXXX I informed Experian the debt was past 4 years statute of limitations in Illinois. 
Nothing happened. 

I called again and they quoted FCRA which allows them to publish negative information to 7 years from date debt was incurred.

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 2017-02-07
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My problems with Sallie Mae began back in the XX/XX/XXXX 's and culminated with their having XXXX mercy while my daughter was going through treatment for XXXX from XX/XX/XXXX until her death in XX/XX/XXXX. While she was on a ventilator ( XX/XX/XXXX-XXXX ) awaiting a XXXX transplant, Sallie Mae refused to work with me and I was forced to defer then request a forbearance for my student loans. After she passed away ( XXXX ) I even offered to send them a copy of her medical bills, death certificate and invoice for her funeral. They told me, " You could send them, but it wo n't make any difference. You 'll have to pay what is in arrears or request a deferment ''. My only daughter had just died, she had just turned XXXX, and all Sallie Mae cared about was their money. They made me feel worthless, alone and helpless. I began with {$26000.00} in federally backed student loans and I now owe {$54000.00} to the legal loan-shark known as XXXX ( formerly Sallie-Mae ). Not only that, but when I consolidated my student loans the interest rate was XXXX % and I can not refinance with XXXX to obtain a lower rate. On top of all this these student loans were obtained so I could attend the worst private college known to mankind ( XXXX University in XXXX ). When I went to XXXX in XX/XX/XXXX they were teaching decades old technology that was nowhere close to cutting edge. XXXX fleeced me, lied about their technology and helped ruin me financially over the years. I 'd like to thank the Federal Government for limiting my student loan interest deductions at {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this matter immediately. 
XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$11000.00}

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  XXXX and myself! Please send the proper validation

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 2022-09-30
Company: Experian Information Solutions Inc.
State: MT
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 : //www.ftc.gov 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 XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

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 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 2022-05-20
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NEWDAYUSA ADVERTISEMENT ON XXXX XXXX STARES THAT THEY CAN GET VETERANS AT LEAST 25 % MORE CASH THAN BANKS OR CREDIT UNIONS. THAT IS 100 % FALSE. THE ADVERTISEMENT ALSO STATES THAT THEY CAN LOWER THE VETERANS PAYMENTS AT LEAST {$600.00} A MONTH. 

HOW CAN THEY POSSIBLY KNOW THAT? THIS IS AS DECEPTIVE AS IT GETS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX ( " XXXX, XXXX '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called XXXX. XXXX and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from 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 2015-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled an unauthorized credit report on me without my consent. I spoke to XXXX XXXX on XX/XX/XXXX and as he was reading from my file he then followed up with " we purge files after XXXX months and then stated that yours is now purged. '' I have sent certified letters, emails and additional correspondence which he will not comply or provide information requested to explain why it was pulled or who requested him to pull the credit report. As of now, I have hired an attorney to subpoena the records and time will tell whether he will comply or not. Attached are correspondence with XXXX and information provided by XXXX that they pulled an unauthorized report on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bankruptcy # XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation