BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this Credit Acceptance. This account was actually deleted or removed from XXXX  and XXXX due to several violations on reporting but XXXX  continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of
consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax allowed their security system to be breached, exposing 143 million persons ' information. However, they are charging {$30.00} to freeze my credit report and protect myself from their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I graduated in XXXX of XXXX. It is XXXX. They are still trying to contact me. I want them to stop it. I am trying to move on from my past. I have suffered from XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX  and I am trying to XXXX. I currently live in a XXXX  XXXX. Aren't they passed the statute of limitation? In the past, they have tried to call my family members, neighbors, clients ( XXXX XXXX ) to resolve this debt. I can not afford it. I am still on government assistance. I am just now trying to get back on my feet financially. It is 15 years since I graduated and longer since I borrowed this. Can they stop contacting me please? I have moved on to another career path already. I have no full-time employment in a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
1. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 2. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- - 3. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 4. In accordance with the Fair Credit Reporting Act, Account name " XXXX '' Account # XXXX has violated my rights. -- -- -- -- 5. In accordance with the Fair Credit Reporting Act, Account name " 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 explanation
Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was fraudulently compromised by someone getting my account number and making fraudulent charges for XXXX purchases. I made Bank of America aware of the situation as soon as i noticed large sums of money missing from my checking account. They returned the money to me within 5 days. 2 months later Bank of America took the money back out of my account. After I called to inquire why, I was told that I had looked at my account to often to have not noticed the charges sooner. I explained to them that the small charges such as well {$1.00} did not cause and alarm for me to notice. However the {$100.00} caused a huge alarm and as soon as I noticed this I immediately contacted them. However here we are a month later and im still trying to get back my {$210.00}. The bank has now victimized me twice. First by allowing someone to charge on my account and now with them stealing my money as well. This is ridiculous!!!!

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 monetary relief
Consumer complaint received 2022-01-14
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:
I wrote the credit bureau on XX/XX/2021 about inaccurate accounts on my credit report and they did not respond within 30 days. I even gave them 15 days extra time and they still have not responded to my dispute. The inaccurate accounts are still reporting the same on my credit report, so they also did not conduct an investigation into my dispute. The FTC website says that according to the FCRA if the credit bureaus don't respond within 30 days they have to delete the accounts. I'm requesting these accounts be removed from my credit report immediately because they violated the FCRA by not responding and not conducting a proper investigation.

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 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, Pandemic Assistance of the State of Nevada claims a lump sum payment in the amount of {$6700.00} was made to my checking account with Bank of America. This was done under their transaction # XXXX. Bank of America claims they never received and that I need to contact PUA in Nevada to trace these funds. PUA tells me these funds were transferred and that I need to have Bank of America trace these funds, cancel the transaction and return these funds for reissuance. have been trying to rectify this situation for several months now with either side willing to budge. Mean while my funds are lost in limbo with no one willing to even investigate. I'm a  XXXXyo vet with a XXXX and could really use some assistance ...

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 2022-06-16
Company: EQUIFAX, 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:
n 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX accoutname, XXXX XXXX XXXX, account numberXXXX  accountname, XXXX  XXXX  XXXX  account nuberber,XXXX accountname,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following were part of Trans Unions Inquiry issue. Inquires that did not have authorization nor belong on the report. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Trans Union was un willing to assist in rectifying the issues.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX And XXXX Hard inquiries I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Greene & Cooper Collections 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:
I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to Green & Cooper LLP three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( GA Bar No XXXX ) and Greene & Cooper LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used PayPal to receive money for a sporting good accessory through my business account and received payment on XX/XX/XXXX for {$690.00}. On XX/XX/XXXX the transaction settled and PayPal transaction fee was taken out with a net amount of {$670.00} being available for me to withdrawal. 

When withdrawing the {$670.00} on XX/XX/XXXX, PayPal asked for more information about the transaction. I shared what was asked and on XX/XX/XXXX was informed I could not longer do business with PayPal. PayPal cited : " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. XXXX As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. '' PayPal said they would hold my money for 180 days at which point they would work with me to make the money available. That did not happen and on XX/XX/XXXX, PayPal took the {$670.00} citing " PayPal 's damages caused by Acceptable Use Policy violation ;. '' I would like my {$670.00} back as that transaction did not violate any

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I check my credit report very regularly and today I noticed that there were a number of inquires that are duplicated and are showing on my report that were not previously there on my report. I called the customer service number for Trans union and I was told that the computer must of had a glitch but they did not provide any resolution to get it resolved or corrected.
I would like to have my inquiry section updated to show the correct number of hard inquires.

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 2017-06-27
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initially submitted a dispute with the credit bureaus in  XXXX  of  2017 reques ting validation of this debt w ith Mid-Atlantic Finance. I never received any proof that I requested, just stating that it meets the FCRA Act, duri ng that dispute process they continued to report a late payment for a debt that is past the Statute of Limitations for Texas, meaning they ca n't collect on the debt, but still failed to provide a legal form of indebtedness with a physical signature. On  XXXX   XXXX  I sent my validation request to  Mid Atlantic Finance direct ly requesting the same information for validation and again on  XXXX   XXXX ,  2017 , they reported a late payment again during an investigation period. While an account is under dispute, all activities must cease until the investigation is complete. Not once, but twice have they failed to supply a physical form of indebtedness with a valid physical signature and they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
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:
AS OF XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY EQUIFAX CREDIT REPORT. XXXX IS REPORTING TO EQUIFAX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY XXXX. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. XXXX HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have already filed a complaint against XXXX XXXX. This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX in which they are Reporting the same on my credit as XXXX  are doing also in which this is against federal law and FDCA I have Called both neither will remove. 
2 parties can not report the same debit. 
And XXXX showed a spread sheet they didn't provide a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: ALLY FINANCIAL INC.
State: TX
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 purchased the vehicle on XX/XX/2019. The Dealership, The Salesman or The Service Department didnt disclose or put in writing that the crankshaft sensor was defected and faulty and needed repairs. XXXX XXXX XXXX didnt consider my Safety First. On XX/XX/2019 at XXXX miles the vehicle wont crank. It was cold and raining. I didnt drive the vehicle for a week. On XX/XX/2019 I drove the vehicle to church and when I got out of church the vehicle wont crank. I called the Dealership on XX/XX/2019 to inform them that the vehicle wont crank. The Dealership told me to bring it in. You brought the vehicle in on XX/XX/2019 around XXXX XXXX. I asked the Service Department what is the problem because my vehicle wont crank. The Service Department informed me that it was the crankshaft sensor. I asked the Salesman why didnt he disclose or put in writing that the crankshaft sensor was defected and faulty and needed to be repairs before I signed the contract. You sold me a vehicle without disclosing that information. And put my Safety at Risk because the vehicle wont crank and I was stranded. He said that he knew that the crankshaft sensor was defected and faulty and needed repairs. He said that he should have gave us a loaner car. But he never told us about it. I had to found out myself. I called Ally Financial on XXXX at XXXX to inform them about the crankshaft sensor issues and the loan. The representative ( XXXX ) told me that the Dealership has 3 options to give you. 1 ) Canceled the contract because of defect. 2 ) Substitution of Collaleral 3 ) Request for New Contract.

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