BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: OH
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
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: Problem with personal statement of dispute

Complaint:
To Whom it May Concern, I am writing to you today to dispute US {$1900.00} charged by the company COLUMBIA DEBT RECOVERY. Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at XXXX since XX/XX/XXXX. Those companies did not declare under which condition they are charging me US {$1900.00}. 

In XX/XX/XXXX, I signed a XXXX lease contract with The XXXX until XX/XX/XXXX. I moved out of that unit on XX/XX/XXXX, because the landlord ( The XXXX ) refused to fix the apartment as we have agreed in XX/XX/XXXX, later in XX/XX/XXXX and again in XX/XX/XXXX. The initial issue with The XXXX started when the office wanted to force me to sign a second lease, just two months after I occupied the unit. On several occasions I disregarded the offer, but this did not stop them. In fact, they sent me emails about the potential consequences of not accepting this offer before XX/XX/XXXX. The last step they took was offering to paint the walls, improve the bathroom condition and fix some appliances in my apartment if I agreed to sign the second lease contract, a proposal that they never complied with and led me to act. In XX/XX/XXXX, I communicated my decision of not staying in the apartment for another year. After that, The XXXX tried to force me to sublease the apartment, in retaliation for trying to get a signed copy of my lease termination letter in which I explained the entire situation. The last time I contacted the property manager, XXXX XXXX XXXX, she refused to acknowledge my rights and said that the company will impose XXXX months of rent if I opted to move-out early. Obviously, I took my belongings out of that place because I did not want to be intimidated again. 

In general, I paid an entire year of rent ( {$8300.00} ), as well as a full year of insurance coverage ( US {$160.00} ) before I moved to another residence. However, neither COLUMBIA DEBT RECOVERY nor THE XXXX have contacted me in the current year. They just have published the debt as I was their client, which is not true, and fail to reflect any contract that I have signed in XXXX. All that I have experienced in The XXXX not just damaged my credit score, but has put me under a huge amount of stress. As an international student that moved to XXXX, Tennessee after the lockdown, I honestly hope that nobody experiences this type of retaliation just because they need a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}

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 2023-08-28
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was approved and financed a lemon vehicle with XXXX XXXX XXXX and Westlake Finanical. On XX/XX/23 I purchased the vehicle and shortly after leaving the lot the check engine light appeared. Once I finally got it home oil had leaked on to my driveway. i made several attempt to reach out to my salesperson and the manager with no success. I made a visit today to cancel the purchase and get my deposit and they told me neither option was avalable. They promised to fix the vehicle but I would rather get my refund and return the car and be released from the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't recognize this debt. They are reporting this collection that I don't have knowledge of. I tried fixing by contacting them but they are insisting that it is mine. Having that said, I already filed an FTC affidavit regarding this matter and contacted the credit bureaus to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a debit card from Webster Bank on XX/XX/2022 and I never requested or applied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: WI
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 XXXX # XXXX, 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 2022-06-08
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I never received a letter from security credit services about the debt. I had received phone calls that popped up as scam and they would leave voice messages threatening to sue and that it could affect my credit and social security number. I passed it off as a scam. I did answer once and it was the same thing. They also had a lawyer office do the same. This company is a joke, all they do is threaten and they will not work with you on anything. The account was for smartphone, it shows wrong amount on my credit report and shows the wrong date that it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, My significant other ( who is apart of a XXXX XXXX XXXX XXXX XXXX ) received an email from XXXX '. In the email " XXXX XXXX '' mentioned how their late husband passed away and that they needed to find a place for their piano. All we had to do was cover the moving charges. We agreed to pay the charges of {$790.00} through Zelle ( Payment made XX/XX/2022 ). 

My significant other and I are both XXXX XXXX so we thought this was a golden opportunity. 

A few days later they began to ask for more and more money which is when we grew suspicious. Come to find out after XXXX research that this is a common scam done for XXXX XXXX 

Come to today, XX/XX/2022, we drove to XXXX XXXX  asking if their was a way to dispute our transaction. They told us because Zelle was used there was nothing that they could do. We then contacted Zelle who told us they are not able to move money from bank to bank. Finally, we called the XXXX, but no one could aid us. 

After looking on the internet we stumbled across a new report of a woman who had a similar experience to us. In this report they said the CFPB can help people who have been in this situation before. 

We feel ridiculous as to the outcome of the transaction. Losing money for a piano fulfillment that will never come to pass. 

I am attaching the email log with the initial person who reached out and " XXXXXXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: TN
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:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account REGIONSBANK XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I told them that information on each bureau was different in accurate and requested all documents, signatures and photo identification, linking me to this account, and I have not received any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Central Portfolio Control Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection debt was added to my credit report XX/XX/2023 in the amount of {$800.00}. i am unaware of the original company and bill. 
The creditor : CPC has not sent me any information about this debt so that it can be verified and validated. 

In a XXXX search i have attempted to call the creditor directly to understand why this incorrect debt was placed on my credit report. 

I have not received any correspondence from the creditor. Calls are unanswered. There has been no communication via phone, mail, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to make a loan payment and my payment was declined in error. I spent 45 minutes trying to make a call and once someone picked it up, they hung it up. The automated line even asked me to provide feedback on a customer service rep who never picked up the phone. If I can't pay my loans, I will be charged interest on loans unfairly that I'm trying to pay off. This will unnecessarily cost me money if not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NJ
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 Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00}

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 # 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: In progress
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for. 

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX, thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!

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 2022-09-23
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 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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 2022-07-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for.

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I sent {$390.00} to a friend on Venmo so that he could pull it out of the ATM for me. After the money was sent, he noticed that he could not access his account. After several attempts I decided to try to have the transaction reversed or refunded via Venmos customer support. They confirmed that the funds were sent and received and informed me that he would have to give permission for them to refund or reverse the transaction. He attempted to do so several times and they closed his account for reasons they would not explain. When I contacted them to see what I was to do to retrieve the funds they, with no explanation closed my account permanently, and " would not respond to any further inquiries about this transaction. '' I've tried repeatedly to contact them and speak with someone to no avail, and the {$390.00} of mine are still in Venmos possession. They continue to hold my money and refuse to respond to any attempts that I make to retrieve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
15 USC 1681 Section 602 States I have a right to privacy.

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

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

15USC 1666b : a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late fee purpose

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