BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NY
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 # XXXXand account name 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 an 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. " Please provide me with my written instructions as it stated in 15 U.S.C 1681 section 604 A section 2. thanks ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX  did fraud with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Stellantis Financial Services US Corp.
State: MO
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:
Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them

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 2020-06-10
Company: Experian Information Solutions 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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under  dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.

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 2015-10-28
Company: First Advantage LNS Inc.
State: OH
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:
I received a final bill from XXXX XXXX that was not correct. I disputed the charges and after almost 2 weeks of email correspondences with their collections manager, I finally received notification from their accounting department stating that they found their error and they would be sending a refund check on XXXX/XXXX/15. Included in this email was a notice from the accountant to the collection manager to remove my name from their collection agency. On Friday, XXXX XXXX I received a phone call from the National Credit Audit Corporation threatening to report my disputed balance if full payment was n't received by XXXX/XXXX/15. I tried to explain the situation and that I had an email confirming that this had been resolved to which he responded that unless he received something directly from XXXX XXXX he would pursue collections. XXXX properties collections department, who I was directly reporting to, is closed on Fridays so I emailed them explaining the situation and then have tried to call them repeatedly on Monday XXXX XXXX XXXX and Tuesday ( XXXX ) and can not get a response even after leaving multiple messages to multiple staff. When I could n't get a hold of XXXX XXXX, I contacted the collection agency to update them on my actions and at that time the representative working my account implied that I was being untruthful and again threatened to pursue collection if I did n't pay the account balance immediately. I feel that this has been turned over to collection in error. My final bill from XXXX XXXX that I was originally disputing was n't due until XXXX/XXXX/15 so even if I did n't have an email from them telling me that they found their error, I still would n't be delinquent to the point of being turned over for collection and having it reported to the credit bureau. As of this date, I have not received any mail correspondence from the collection agency which I feel does n't qualify as proper notification of a debt due. If XXXX XXXX would respond to my emails and numerous phone messages I feel this would be resolved quickly and easily by a call to the collection agency informing them that I have a zero balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and 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 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 non-monetary relief
Consumer complaint received 2020-06-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been using Paypal 's service for many years since I have been selling on XXXX. They have an unfair monopoly for which I do not have a choice of alternative to use. They have taken many many fees from me including fees for buyer returns which is unfair! 

OnXX/XX/XXXX a person used their service to pay me {$100.00} twice for a total of {$210.00}. It went through fine. Then I log in almost 60 days later on XX/XX/XXXX and I see it is taken back by someone? I didn't even know it was possible to take it back. There are no buttons showing for me to take back my payments. I thought once someone pays you it is final. It should be. I tried to ask them what is going on and I can't use my account because it is negative. Furthermore my ongoing XXXX sales are linked to this account and it is causing me headaches and suffering and time over this! 

I called on XX/XX/XXXX and spent 15 minutes holding and going through their hoops of recordings and then they hung up on me. I went to their website help and they say they only have offshore chat! Why is this allowed when they are a US company and in financial industry is an essential business? They are making many profits and they are completely negligent in servicing their customers which is a violation of their terms! I demanded they have a supervisor call me on the phone so I could get resolution for this situation. The said there is none. I don't even know what is at issue to be able to provide my evidence which I have in emails. I can't wait months and months. Paypal service is an outrage! 

My email account is XXXX Case ID : XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I voluntarily returned my car to my creditor. I was sent a notice from the redemption department on XXXX XXXX to see if we could work out terms for me to get my car back, we could not come to terms on this matter. I never received any information on when or where my car would be sold or that it would be sold. Then on XXXX XXXX I received a letter of Disposition of Repossessed Vehicle. The letter stated that the car had been sold and that there was a deficiency of XXXX. In there calculations the started with a balance owing of {$9200.00}, and that they sold the car for {$2600.00}, leaving my obligation at {$6500.00}. My dispute is this, on XXXX XXXX I also received a letter from the company that I bought the car from stating that my balance owing was {$5500.00}, and by my calculations when I turned my car in I was at roughly the same amount. If I only owed {$5500.00} on my car if I were to pay it off directly then how can I possible owe {$9200.00} when I turned it in. There seems to be something legally wrong with the way they are calculating amount owed. Does interest on the loan not stop the day I return the car or the day they sell it. How can they have me owing almost {$5000.00} more than the payoff.

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 2016-12-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had this car payment and was never late for XXXX years. In year XXXX I ran into hardship and moved to a different state due to a domestic voilance situation. After being back the car was repossessed. I was able to borrow money to get the van back. Mean time I was diagnosed with XXXX and been going through XXXX and XXXX treatments and been doing my best to pay the payments. There were times I would call the institution and was not able to reach anyone after calling cause being on hold for hours, or even not able to get a ring tone. So it was not let even through all that has been going on with my health hat I did not try. Even on my lowest my sister had called for me in early XX/XX/XXXX this year to try and get some information so that I could get help and they told her they could not give her any information. She just wanted to know how much more was owed on the van. That 's not personal information and should of been released to her due to if a car dealer would of called they would of told them and I would n't of had to be there. On the XX/XX/XXXX I was able to get someone on the phone and ask if there was anyway due to the fact that of in XX/XX/2017 the van would be at the be of the loan they could please work with me and that I was finished my XXXX and getting back on my feet with everything that has happened. I was told if I could come up with {$300.00} they would n't take the van. She did n't know when they were coming to get the van. Well later that night the van was taken. I was able to borrow more money they demanded in order to get the van back, went to the payment location, even though there was some miscommunication they could clearly see the payment was made it took one day after for everything was able to get situated. I get a phone call that I can go and get my van. When I call the to get the address so that I could go pick it up. I was told the van was on it 's way to the auction. The payment was made now I '' getting the run a round. I feel like I 'm a victim of a predictor lender that no matter what my rate will keep going up and no matter how hard I would try I will never be able to pay this van off. I already paid this car XXXX over I believe.

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 2021-11-17
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: Personal information incorrect

Complaint:
My personal information remains inaccurate on my credit file with Experian. I have requested several times for them to fix my address and social security number. However they refuse, they stated that they have the right to interpret the FCRA how they see fit and are not obligated to fix an inaccuracies even if the other agencies ( XXXX and XXXX ) have. I have signed return receipts for every time I submitted a dispute and Experian refuses to fix my file. I was even threatened by one of their supervisors XXXX whose in charge of the XXXX XXXX. At this point Experian is willfully ignoring my requests. I am distressed and anxious by this whole ordeal. I have been requesting my personal information be fixed since XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I just paid a car loan settlement off in full from SANTANDER and i 'm working on repairing my credit to try and obtain a mortgage. I need a letter stating i have paid the loan off and they want me to wait at least XXXX days. Unfortunately, i cant wait that long so i need the letter faxed or emailed to me now so my mortgage lender can fix my credit. They have taken the money out of my account already and there is no reason why they cant send documentation stating that they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am waiting on an approval from Capital One Auto Financing to get a car from XXXX of XXXX. The issue is, I had an extended credit alert ( Had it removed ) and the phone number on file is wrong. I recently had it updated and the correct number is XXXX. Capital One keeps calling the number listed on the file which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have attempted to resolve a fraudulent account AWA Collection is continuously trying to collect on. I have submitted my dispute to the company and credit bureaus explaining that the account is fraudulent and a result of identity theft. I attached along my disputes to both credit bureaus and AWA a copy of my police report, identification, current utility bill, address and FTC ID Theft affidavit. AWA reporting this account on my credit profile has dramatically damaged my credit score and has caused me defamation of my character. This is not my debt, I did n't create it, was n't aware of it until recent and when I became aware, I immediately contacted AWA and the credit bureaus to make them aware and correct the fraudulent reporting and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer.

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 2022-05-14
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, the following accounts have violated my rights. 

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 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
MY DRIVERS LICENSE AND AN FTC COMPLAINT IS ATTACHED TO THIS COMPLAINT FOR YOUR REVIEW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: PHH Mortgage Services Corporation
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
PHH Home Loans provided false information on my XXXX XXXX, XXXX loan application stating that I had six years on one job whenthey knewI provided them my tax information ( XXXX ) and bank information of my various employers XX/XX/XXXX when I received my pre approval letter. Please see attachments. They did not include all of my employers on my application that I provided them. I received the loan application with my information already filled in by PHH Home Loans. All I had to do was sign certain pages. This is another example of PHH Home Loans intentionally providing false information and being deceptive, which is proving to be a pattern for them. Please see attachments. Their actions have caused me to be homeless and to max out my credit cards due to living out of a hotel since XXXX XXXX, XXXX, which my loan officer knew about prior to PHH Home Loans denying me for a loan in XXXX XXXX, XXXX I qualified. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was 15 days late on my car payment and credit acceptance took my car in XXXX illegally without sending me any notice that they were going to do it, I called credit acceptance and asked them why did they take my vehicle. They said because I had a late payment and that they have a right to pick up the vehicle when it 's a late payment. I went and got my car back the same day, I had to pay towing, storage, and a repossession fee as well as the 15 days that I was late, plus the payment that was coming up before the due date.

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