BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
After reviewing my credit reports following investigations, I noticed that Experian 's report does not match the investigation results from XXXX and XXXX. The other two consumer agencies removed all incorrect information from my report. Attached you will find the investigation results from XXXX. Under law my reports should reflect all accurate information, and the consumer reporting agencies have to assure that my reports reflect maximum accuracy in order to furnish to my personal and confidential file. Experian did not do that.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried to remove all negative reporting off my consumer report All 3 credit bureaus refused to remove all accounts Now I am demanding validation of each debt Pursuant to 15 usc 1692g

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 2015-04-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have a lease auto loan and I want to payoff the pending amount. 
The Bank ( Banco Popular de Puerto Rico / Popular Bank of XXXX XXXX ) is calculating my cancellation amount using the Rule XXXX. In addition, they claim a cancellation fee. 
Therefore, I 'm receiving a double penalty ( using rule XXXX + cancellation claim ). 
Does the federal code allow use of rule XXXX? It is like a penalty for the consumer who want to pay off the loan before the loan time. 
Does using double penalty is allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all.

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 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 that the information is inaccurate. 

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB. 
Thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: CA
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:
There are 8 WILFUL FCRA Violation on my consumer credit report, EQUIFAX was aware their actions would cause harm to me but went ahead and did them anyway. 

Withholding account data with intent to negatively affect my consumer credit scoreXX/XX/XXXX credit limit, by falsely reporting in Comments : Credit card Amount in H/C column is credit limit which report {$0.00} that is affecting my consumer credit report score and utilization. 

1. XXXX XXXX 2. XX/XX/XXXX XXXX XXXX* 3. XX/XX/XXXXXXXX XXXX 4. XX/XX/XXXXL XXXX XXXX 5.XX/XX/XXXX XXXX 6.XX/XX/XXXXXX/XX/XXXX XXXX 7. XXXX XXXX XXXX 8. XX/XX/XXXXXXXX I provided factual info directly from the credit report. See files that is uploaded 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) in general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
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 acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX  acct 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 instruction.

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 2016-07-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I entered into a lease agreement with Nissan Motors Acceptance Corp. XX/XX/XXXX. On XXXX XXXX, the first payment on the lease was made on their website, XXXX. ALL of my monthly payments are made online. On XXXX XXXX, 2016, I sat at my kitchen table and paid bills. The Nissan payment was never taken from my account. I did not realize this had occurred until I logged into my account in XX/XX/XXXX to make the XX/XX/XXXX payment. They indicated that there were attempts to contact me, however I never received a voice mail from anyone at Nissan. They are unwilling to work with me to clear the late pay from my credit report. This is nothing more than a misunderstanding, and I believe that the consumer should be given the benefit of the doubt. I am attaching the email sent to one of the Managers in the Collections area. The email was sent to both his personal and corporate email address. When I spoke with XXXX today, she again indicates the payment has not been made. I made the payment on XXXX XXXX. Also attached is the letter that I am sending to their Consumer Affairs Department. I am a very frustrated consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: High Point Asset Inc
State: FL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Hi I 've been getting calls from XXXX different companies stating i owe money from several payday loans i never even applied for. XXXX of them is highpoint assets XXXX thats their phone number. I spoke with them numerous times and told them that I never took out any loan of such kind. They stated it was XXXX different loans that round up too XXXX dollars. The agent told me what could i counter offer him and I was just in shock of what I had just found out. Never in my life have a ever taken out a payday loan and now 3 years later I get a phone call stating i took out XXXX payday loans from 2012. It just doesnt make sense to me. I told them to mail me a validation of debt letter, he said he could email it to me quicker, i said thats fine but i would still like to receive it by mail. Im still waiting on that. In the end i told them that i was going to the police to file an identity theft report because i know i never took out these loans. They said thats fine and to make sure to fax them the police report once its done. The second company that called me scared quite a bit. It was a guy named XXXX calling from XXXX XXXX XXXX. This guy was stating I took out XXXX different loans worth XXXX dollars and if i didnt take immediate action that i could be charged with bank fraud and have my drivers license suspended. He said that he could get rid XXXX of the loans and i would just have to pay XXXX dollars. I told him this is news too me, never in my life have i ever taken out a payday loan. I explained to him that i need this to be investigated because i know for a fact that someone has stolen my personal information. He said he would help with the investigation but that i would need to provide him with my debit card number that we could start our settlement and this wouldnt be taken to court. I feeling vulnerable and scared gave him my debit card number but after i did more info later that day i called my bank and had them cancel out my old card and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft? Or should i just ignore these calls. I was stupid enough to give high point asset my current email and last XXXX of my social. I just want this to end. Its been an annoying month receiving calls from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Information is missing that should be on the report

Complaint:
To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX XXXX that is being reported on my credit report with incorrect/ missing info. On XX/XX/XXXX, after reviewing my consumer account, I noticed numerous errors that show Experian is not reporting with 100 % accurate information as required by the Fair Credit Reporting Act. 

Specifically, I am referencing that Experian is reporting an inaccurate account number with XXXX numbers and ends with XXXX XXXX. Along with still reporting late payments after the account was closed in XX/XX/XXXX. Experian has also reported inaccurate dates of the last activity. 

Experian 's improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2022-06-06
Company: Experian Information Solutions 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 Act XXXX XX/XX/XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.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 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 2016-02-26
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was never notified that my interest rates increased for XXXX my loans near the end of last year. As such, my payments went up and I did n't know that until I just happened to look in the portal. Essentially, I could have been seen as delinquent on my loans if I had n't caught it due to the lack of communication from the loan servicer. As a side note, it is generally not a profitable practice to leave your borrowers in the dark about rate changes, it is advised that a form of electronic or paper communication be sent before the next pay date that the rate increase affects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: MI
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:
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lowe r o  ne.  Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Niagara Restitution Service Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Sometime in late  XXXX  of   XXXX   I received a call from  XXXX   XXXX  wit h Niagara Restitution Service loc ated in  XXXX , NY.  XXXX  stated that  XXXX  had referred my unpaid loan t o Niagara Restitution fo r collection and that  XXXX  wished to press criminal charges against me if I did not repay the loan.  XXXX  told me tha t Niagara Restitution  would proceed with filing charges in  XXXX   XXXX   XXXX   XXXX  if I did not not pay immediately. I was terrified so I agreed to make payments of {$160.00} every  two week s until paid off. At the time, I did not know that I could not be prosecuted for an unpaid loan. After doing some research, however, I discovered that the Fair Debt Collection Practices Act does not allow de bt collectors to threaten ar rest for unpaid debts. Also t he State  of  Louisiana does not allow prosecution for unpaid loans. After learning this, I stopped my payments to Niagara Restitution. I struggled to pay this debt for almost four months becau se I have an elderly parent to care for. If I was in jail I would not have the means to bond out and my elderly father would have no one to care for him.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification and the lender/servicer continues to delay the process, and now is trying to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

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 on an open end consumer credit plan as late for and 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
Consumer complaint received 2021-01-07
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: Information belongs to someone else

Complaint:
I disputed this fraudulent account with Experian and they have not removed it from my credit report. This account is not mine. I recently opened a dispute with Experian on XX/XX/2021 and it came to a decision very quickly on XXXX of 2021. That does not make sense tor them to verify it that quickly.

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 2022-10-11
Company: DigniFi
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I sent a letter to Dignify XXXX XXXX because I only use the card in XXXX XXXX of XXXX XXXX in XXXX, FL for the amount of {$290.00} for change of air conditioning filter and change of transmission oil and the statement reflects a debt of {$2900.00}. I was already paid {$1000.00} for a charged of {$290.00} on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter Credit Collection Services saying I owe XXXX {$570.00}. I have never had a XXXX account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$170.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please Help! I have submitted proof of identity theft to TransUnion and XXXX via mail, and the CFPB portal. TransUnion and XXXX continue to furnish a public record on my consumer credit reports. I did not authorize nor give my consent to furnish the Bankruptcy XXXX. Pursuant 1681c-2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. TransUnion and XXXX is willfully and negligently being noncompliance.

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 2022-06-06
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have called and asked for a full detailed of my medical on exactly what was i being charge for. Every time asked they would not give the correct information or information that i already paid for for the service at XXXX XXXX hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Asset Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Asset Recovery solutions LLC has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692c ( 3 ) 4. 1692d ( 2 ) 5.1692c ( 1 )

Company response to consumer: Closed with explanation