BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 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 explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello, on  XXXX   XXXX ,    2017 I mailed a letter ( included  in attachments ) to Equifax via certified mailing receipt #  XXXX  ( included in attachments ) which they received via confirmation from the United States Postal Service website on   XX/XX/17 @  XXXX . Upon reviewing my credit file, I noticed there had been no action taken on my file in regards to my request, therefore I reached out to Equifax @ today and spoke with a representative. I initially contacted Equifax @  XXXX  and got the representative at  XXXX   XXXX . EST.   After speaking with the representative, and him stating that he did n't show that they had received a letter from me, according to him, he searched his system high and low, I asked to speak with their Consumer Affairs Department.     After being transferred b y one o f the representatives on  XX/XX/17    @  XXXX     XXXX   I  spoke with  XXXX   XXXX  refused to give a last name ) in the Consumer Affairs Department, stated he was a supervisor. I advised him I do n't see that they have initiated anything from my request on  X/XX/17    and received in their office on  X/XX/17    at  XXXX .   Per representative and  XXXX  they do n't show they have received my documents in their office. I spoke with  XXXX  and advised that at this point they have violated the FCRA in which they have failed to initiate my dispute within the 5 days required and they have failed to send results of dispute within 30 days, therefore I told him the y need to delete a ll accounts I listed on my letter. Per  XXXX  he could see that there were  XXXX  disputes on the  XXXX   XXXX   XXXX  account that were started but nothing was done with them. I asked him how this could be if they " stated '' they never received the letter. I asked if he could provide me the date this " fantom dispute was initiated '', however he was unable to provide that information, stating he could n't see the dates that this was done. He stated they would n't remove the accounts but I could forward him a copy of my letter and they could initate the dispute at this time. I advised him that this violates the FCRA and they would be subject to legal action. He refused to delete this information though they made an error. I advised him that the letter reached their office, what they did with it after it got to them was not my problem.   I have included my initial letter, my certified receipt and proof the letter was received in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
A accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Early Warning Services, LLC
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 status incorrect

Complaint:
I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX  XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: GA
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:
Equifax continues to provide an incorrect address on my credit report. There's two addresses on my report from XX/XX/2017, one in GA and the other in UT. All of my other addresses are in GA and the UT address is false. Regardless, I'm not sure how Equifax is claiming I lived in two places at once. My identity was stolen because of their relaxed security procedures and now it's like fighting an uphill battle to get them to even report accurate information. I've submitted multiple disputes to the company to no avail. I've attached below screenshots of emails from my apartment complex in XX/XX/2017 in XXXX, GA as well as my bank statement from XX/XX/2017 showing my address as XXXX, GA and the rent payment I made to the apartment complex that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported Fraud to One West Bank on XX/XX/XXXX. One West is always closed, computers down for days, hanging up on customers, etc. One West keeps LYING putting off CREDIT to my account. I went in and signed a Fraud Affidavit dated XX/XX/XXXX WHICH IS ATTACHED AND CALLED Fraud into Customer Service. Everyone said I would receive credit in 10 days. Then One West lied and CHANGED IT TO 10 BUSINESS DAYS. On XX/XX/XXXX XXXX XXXX, Supervisor PROMISED my account would be credited on XX/XX/XXXX. I HAVE NOT RECEIVED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XXXX i received two calls from navy federal at XXXX one at XXXX XXXX  and another at XXXX XXXX. which is obscene and an inconvenience to call me so many times and to call me back to back and then a 3rd & 4th call to my relatives one calling from XXXX at XXXX XXXX, my relative called me as well to advise me that they have also called them as well. Now i am being harassed. Now others are under the impression that i owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Maximus Education, LLC dba Aidvantage
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a XXXX loan that has a XXXX dollar balance remaining. Meaning I have NO  balance. Even if I did have a balance, loans have been paused by the government for the last 2 years. Despite both of these things, Aidvantage is showing my loan in default. I contacted Aidvantage last week as I can not access ANY of my loans on either Studentaid.gov or Aidvantage due to this default status. I was told the default status would be cleared within 24-48 hours. It is 7 days later and the status has still not been cleared. I have since made 3 additional phone calls which have resulted in more than 1 hour on hold waiting for a service representative and have still not been able to get back in contact with Aidvantage. This needs to be fixed immediately and also reported properly to the major credit reporting bureaus as well, as this default status has had an enormously negative effect on my entire financial portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I informed XXXX XXXX XXXX that I lost my job after being hospitalized in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called Zwicker & Associates PC after I was served with papers at my home informing me that they were representing XXXX XXXX in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act convergent account # 12345 has violated my rights.

15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

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

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This XXXX XXXX Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2022-03-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with transunion, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-08-31
Company: LEXISNEXIS
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:
XX/XX/2022 submitted complaint because Lexis Nexis provided the 3 credit bureaus with information regarding a bankruptcy it pulled from XXXX, a system of record used by the federal government. I did not give Lexis Nexis any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from Lexis Nexis to clear my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Santander bank u.s.a bank used a settlement check I got from an insurance company to pay for damages and used it to pay off the remaining car loan. Its been a month since my car has been payed off and they still do not want to release my title or the money left over after paying off my loan. They closed my account which makes it very difficult to get in contact with them via phone. I chatted with a customer service person named XXXX and gave me false information. He said my title was sent electronically to my dmv because that was the law. I called my local dmv and they told me that the title is suppose to be sent to my address. They are sitting on car title and money that belongs to me and have no rush in giving me my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AMERICAN ADVISORS GROUP
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I closed on a Reverse Mortgage from American Advisors Group in XXXX of this year expecting to be able to gain access to the equity in our home by next XXXX. Instead, after closing, we were told that the equity would be used to pay our taxes and insurance on the home only. This was neither explained to us before the loan closing or after when we questioned this.Had we realized that we would have not access to our equity for the life of the loan, we would not have closed on this loan. Our home is 72-years-old and in need of a few major repairs including replacement of our heat/air conditioning unit and the siding on the back of our house. I fear that they can foreclose on our home because we did not make these necessary repairs. We asked why our loan was structured like this but did not receive a reasonable explanation. We tried to talk to anyone at AAG to get further details but no one called us back. I understood that the spirit of this loan was to help seniors to make repairs, pay off debts and other expenses, not pay our taxes and insurance only for the rest of our lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX of XXXX advertise to sale car @ {$69000.00} on their website, and I confirmed about same to XXXX XXXX XXXX XXXX XXXX XXXX ). Dealership DSR website has buy now button page below : XXXXXXXX XXXX XXXX -- XXXX Once you fill up buy now form, it directs to credit application and I filled the same on XXXX XXXX. Their sale rep ( XXXX XXXX ) called me in the evening and told me, he may not have vehicle on the lot or even if it is there, they will charge $ 5k above MSRP. I have verbally denied buying the car above MSRP ( advertise price ) and therefore there was nothing to do on that deal any further. On XXXX of XXXX morning XXXXXXXX XXXX from dealership ran my credit application for no reason. We neither has pricing agreement or nor car finalized as well. I got to know after my credit monitoring tool triggered me messages for hard enquiry from them. I asked dealership on serval calls, why they ran my credit, and they kept kicking my call in between transfers. Finally in the evening XXXX original salesman called me and apologies for un-authorized credit run and offered me car at MSRP plus $ XXXX ( instead of $ 5k ). I still denied working on that deal as well. While I filed application online, as per their buy now flow suggested, however they do false advertisement on price of Car and force customer to buy add on product in the name of market adjustment. They are conducting shady business practices, where they my run credit without pricing agreement or even without finalizing vehicle itself. 

Thanks, and my best regards, 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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: WI
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 have reviewed my credit reports and noticed the accounts from XXXX  are too old to be on my credit report they are approx 9 years old and should have falled off in 7 years

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 2019-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They took me to court but kept changing the date so I wasnt aware it happened until after the fact. Ive emailed and called portfolio recovery many times to set up a payment plan but they say i need an account number that my name and social security number dont show up in their system. So they keep hitting my credit report for late payments but how can I resolve it if they cant find me in there system and since the debit they are asking for was from a XXXX credit card from 6 years ago how do i know an account number. What am I supposed to do?

Company response to consumer: Closed with explanation