BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX , am verifying that I XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-03-24
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got an Auto Loan from XXXX XXXX for a XXXX XXXX XXXX XXXX ( XXXX XXXX ). the car blue book value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in Michigan XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of Roosen, Varchetti & Oliver PLLC to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
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:
XX/XX/XXXX I put in a dispute claim with Wells Fargo about 2 transactions I used a different form of payment I emailed them proof that I paid a different way but their rep. Decided to deactivate my card due to fraud but I specifically said it wasnt fraud. Now I cant pay my rent with my debit card because thats the only form of payment my apartment takes. The agent did that on purpose because I asked to speak to a supervisor and he refused so I hung up and called back to get a different representative! This has caused my rent to be late and Im stuck with a XXXX $ late fee due to him being wicked towards me! I need some type of help with this situation asap! Not to mention I didnt even know my card was deactivated till I tried to order my kids food. He didnt even have the decency to reorder me a new card

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 2023-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing a dog from XXXX. 
Paid a deposit {$100.00} to hold. And {$200.00} for the rehoming fee. 
The next day when it came to pickup the puppy I paid an additional {$200.00} for regression fee. 
So a total of {$500.00} was given to the recipient. 
Ive waited over and hour for pick up. Owner kept asking for shot fees and stating he was not allowed to give dog away till puppy was vaccinated. 
I had a vet to take puppy to. I told owner it would be handle since it was only rehoming fee that was discussed. 
Owner kept changing vacuumed names and would not provide the vet information to confirm which vaccines are needed. I then called and reported it to the authorities to report this scam since the owner no longer live at the address they provided to meet at and had not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I disputed charges of fraud with XXXX XXXX for my bank to reimburse me of charges. I did authorize charges but the company scammed thousands of patrons for the music festival. XXXX  XXXX  ( place whew event was to take place has filed a lawsuit against music getaway ). I submitted proof of XXXX letter and letters from other patrons, I have submitted a claim twice to her funds back to no avail. There is a XXXX XXXX dollar lawsuit against the company form several people and they have sinced changed the name of the company. Please help me to get my funds replaced so I can also drop Citibank as my primary banking source. The payments made to music getaway for rooms and concert are never made to XXXX XXXX to secure rooms, I was informed that my account was canceled and not to show up because hotel-was sold out, not true, ( I went online and was able to book a room within hours of them telling me that ). I have proof of others stating they told them their account was canceled also for missed payment, that was my first t clue that something was amiss, I had ample money in my account to cover all payments, the company stated they tried calling me and emailed me, not true

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 2023-07-07
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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.

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 2023-03-24
Company: TrueAccord Corp.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXXXXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was contacted by individuals who were claiming to be employees of XXXX XXXX. They were offering me a remote position for a XXXX XXXX XXXX. They explained to me that I would need certain items for my remote work station, and that they would be sending me money for equipment. 
On XX/XX/XXXX, I received my first check of {$990.00}. 
On XX/XX/XXXX, I deposited that money into my bank. 
On XX/XX/XXXX, I sent the money via XXXX to what I was told was a " Company Approved Vendor '' that was going to be sending me my equipment. 
Also on XX/XX/XXXX, I received a second check for {$950.00}. 
On XX/XX/XXXX, I deposited the money into my account but the funds didn't hit until XX/XX/XXXX. 
On XX/XX/XXXX, I sent the money via XXXX to another " Company Approved Vendor '' for equipment. 
Later on XX/XX/XXXX, both the checks for {$990.00} and {$950.00} were charged back to my account, and it was evident that I was a victim of a very elaborate scam that lasted over a week. 
The people involved were impersonating real employees of XXXX XXXX, which I ended up contacting and they confirmed it was not them that I was talking to. 

When I woke up on XX/XX/XXXX seeing both checks bounced back, I immediately contacted my bank, Bank of America, and filed a complaint on both the checks and XXXX transfers that were a part of the scam. Last week, I was notified that I would not be receiving funds back from the check chargebacks, even though I have given them physical proof of the email conversations of the scammers and the actual employees of XXXX XXXX that confirmed it was not them I was speaking to. 

Below I will attach 4 documents ; The fake email conversation with scammers pretending to be : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX are via email while XXXX XXXX is via XXXX XXXX. 
Also, I will attach a conversation with the real XXXX XXXX on XXXX, with her confirming that it was not her in the XXXX XXXX conversation. 
Also, I will attach the checks that I want a refund from that I mention in the resolution section.

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 2023-03-24
Company: LEXISNEXIS
State: UT
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:
LexisNexis is still reporting to XXXX and XXXX of my bankruptcy this is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy According to 602. Congressional findings and statement of purpose [ 15 U.S.C.

1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

So if I didnt give them written instructions to report this information according to the law above wouldnt that make it illegal, and a violation of section 604 for LexisNexis to report such false and erroneous report. The Bankruptcy courts DOES NOT REPORT ANY INFORMATION TO ANY CONSUMER REORTING AGENCIES OR CREDIT BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022, i put forward my detailed allegations of iinaccuracies and deficiences of reporting. I communicated that Per the FCRA section 611 ( 15 U.S.C. 1681 ) and METRO2 compliance standards my file is to be accurate and complete. My consumer record continues to have inaccuracues and none of my complaints have been acknowledged by the consumer reporting agencies. Further violations. 

The following account : XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX / XXXX - XXXX ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/XXXX, I went to : XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I was not allowed to see any of the cars except the car that was sold to me, a XXXX XXXX XXXX. I had requested buying a car that the payment would be under $ XXXXmonthly because I am on a fixed income. I was told that I could afford that car which was $ XXXXmonthly and that was the car they sold to me. The finance person, XXXX XXXX, became angry when I asked how much the finance charge would be. and the payments. He didn't want to be interrupted while having me sign the paperwork. Two days later I tried to return the car because of the high monthly payment, the high interest rate, and the car started having mechanical problems the 2nd day I had the car. The manager, XXXX XXXX ( XXXX ) told me I could not return the car 2 days after buying it, because it was a binding contract. I had gone to an outside XXXX  certified mechanic shop on day 3 when the steering wheel started shaking and vibrating on day 2 of ownership. I paid {$60.00} for a diagnostic test and XXXX  XXXX gave me an immediate list of things needing repairs and totaling {$3100.00}. XXXX XXXX said I bought the car as is and said " She wasn't going to step on the toes of her mechanics '' who gave their clean bill of record on the mechanics of the car. I found out later that they have a 30 day policy to fix needed repairs during the 1st 30 days of ownership. They hid this information from me. The only thing on the list that they repaired was grinding down or resurfacing the brake rotors. 
I just found out last week in XXXX, XXXX, one year later, that the first 2 years of payments go 100 % to interest, nothing to principal. So, I paid them approximately {$6000.00} in interest this past year on a finance of $ XXXX.If I pay them another year, I will have paid them {$12000.00} in interest on a XXXX finance. That's almost 100 % profit for them in 2 years, not to mention, the existing remaining 42 payments.I found this out when I went back to hopefully sell the car back to them last week. When I went in to discuss them buying back the car, they devalued the car from over {$15000.00} a year ago, to {$7500.00} this year, XX/XX/XXXX. I told them the XXXX value was either over valued last year when I bought the car, or the current XXXX value was way under value. The subject was changed and I left without selling the car back.

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 2023-07-06
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-03-24
Company: Block, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i recieve social security ssi my normal payday with cash app is the XXXX th but this month the XXXX th falls on sunday i been calling XXXX texting cash app about my deposit they claim they did not recieve it i contacted social security XXXX they verified the deposit was made on the XXXX XXXX for XXXX im XXXX XXXX depend on these funds they continue to lie stating they did not recieve the funds but they have with all the news of cash app being decietful im living in fear of the loss of my federal assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I bought a car from Exeter Finance that was repossessed and I settled the debt with a third party as they promised to remove the hard inquiry after the settlement which has not happened yet. I need the inquiry to be removed immediately due to an unfulfilled promise. 
The inquiry in my credit should be deleted due to the fact that I've paid the remainder of what I owed on the car with a third-party debt collector to which Exeter Finance has sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NM
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation