BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: UNITED AUTO ACCEPTANCE
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 listed acct below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

UNITED AUTO ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX for UNITED AUTO ACCEPTANCE 15 U.S.C 1681 Section602 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 permissions.

15 U.S.C. 1681n ( a ) ( 1 ) 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} 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 more than seven years. 

I have attached several changes that XXXX  has changed info on my credit reports many times. However, this are still incorrect information and missing information the credit bureaus. I attached from XXXX credit reports and current report, also attached letters to that the acct was not verified with incorrect information. They ( XXXX  ) continue to make changes and then on each report and they are mismatch on ever level, as far as, terms, last payment received, major delinquency, first date reported, etc. I gave back the car on XX/XX/XXXX and made the last payment that was agreed upon which posted to account on XX/XX/XXXX. Not in XXXX, there is proof on the XXXX XXXX XXXX  sheet. This was a voluntary repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Upstart Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
15 U.S. Code 1692g - Upstate Failed to Validation of debts because its fraudulent. The gave me a bogus contract and took my signature to borrow a loan from a third party called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with giving full disclosure before doing so, 1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

They failed to give me full disclosure in the contract which makes it Fradulent. 

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  Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 are my variolations and this has caused me and my family serious damages as i lost my appartment, job and i couldnt get anything on credit with any creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BARCLAYS BANK DELAWARE
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 belongs to someone else

Complaint:
I have a late payment for a credit card from BARCLAYS BANK, DELAWARE XXXX XXXX XXXX XXXX, DE XXXX that was opened in 2021 under my name, I never opened a credit card with this account and have idea how this happened, XXXX XXXX XXXX XXXX  and can not go home for the holidays now because I wanted cant apply for an airline credit program that would have been able to help with my ticket because these charges dropped my credit score so significantly. This bank has multiple reviews online saying its into shady business and currently has one star on 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 2023-11-11
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX the response was " Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client XXXX XXXX XXXX, a medical debt buyer, in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer 's review. Our client is offering a 40 % discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you '' This collection agency has admitted that they purchase debt from creditors yet they are trying to CHARGE ME for the same debt that was CHARGED-OFF from another creditor. Which is ILLEGAL. The original creditor has already charged the debt and gave me a 1099 form which states the debt is written off. Either remove this account permanently or litigation is the next steps. Thank you

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Mid-Atlantic Portfolios, LLC
State: VA
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:
In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted all 3 buereas about a hard inquiry that was not authorized by me " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX florida XXXX XXXX as well as a collection of {$1000.00} from " XXXX XXXX XXXX '' I am unaware of the collection this was not authorized by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX tn, XXXX I asked that these things be removed from my report as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX Bank XXXX {$560.00} 3. XXXX XXXX Bank {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXX on the boul, 2. xXXXX  of a

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 2022-08-12
Company: VW Credit
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX contacted VW Credit RE : payment history. Per VW Credit : the account is not up to date because the scheduled payment for XXXX, XXXX was never received. It also took two phone calls to even ascertain that it was the XX/XX/XXXX payment that caused the issue. The first CSR was rude and not helpful at all. I called VW Credit again and spoke with a much nicer more professional CSR. 

After checking my bank statements it is verified that a payment was made to VW credit via a phone payment and this is noted on the bank statement as paid to " AUDI FINANCIAL for the scheduled amount of {$390.00} on XX/XX/XXXX, ( please refer to the XXXX XXXX  statement. ) It should be noted that all prior payments are documented by my financial institution as payable to VW Credit, and NOT Audi Financial Services. The payment history from VW Credit does not reflect the XX/XX/XXXX payment, ( please refer to the document from VW Credit. ) This error on the part of VW Credit has identified the account as being in " arrears '' since XXXX, XXXX, and has had significant financial consequences, including : jeopardizing my credit score, placing the account in a " catch up '' mode when the account should be noted as ahead of my scheduled payment dates, AND adding additional financial charges and/ or penalties to the account. I want the payment noted by VW Credit in writing to me, or my attorney of record. I have furnished VW Credit with this information. 

I also request that all additional fees and or interest charges are refunded to this account. I made the payment on time and fulfilled my obligation as the debtor ; however, VW Credit is very good at stonewalling and has not from day been transparent in this matter. In the event that VW Credit noted a payment not received a simple contact with my attorney, ( who would then forward all correspondence to me, ) was certainly a viable solution. VW Credit made the decision to charge exorbitant fees instead and keep the account delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i purchased my home in XXXX, received my supplemental tax notice from XXXX county in the mail on XX/XX/XXXX i paid them on XX/XX/XXXX with a cashiers check for the total amoubt for both supplemental taxes totaling {$2300.00}, mailed certified mail directly to XXXX county treasure-tax collector.then around XXXX around the XXXX i received a letter from XXXX XXXX XXXXXXXX, that i have not paid my supplemental taxes, i faxed over a letter informing them i paid them and if they had any questions to contact XXXX county tax collectors and included their phone number, they never contacted me again, my mortage payment was XXXX and some change, about 4 months ago it jumped up to {$1800.00}, i immediattely contacted them, they told me it was because of property taxes, it was not i spoke to numerous employees of XXXX XXXX XXXXXXXX which none had an answer other than they did not know, i continue to pay my payments but they have been late due to the amounts, i e mailed them around 20 times till finally i received an e mail saying was the sub-servicer of your loan on behalf XXXX XXXX XXXXXXXX and that they mailed me a letter on XX/XX/XXXX stating i didnt pay my supplemental taxes and they began to pay my supplemental taxes that is why my mortage payments went up, yet i paid them in full and sent fotos of cashier check and certified mail receipt and the supplemental tac forms from XXXX county, that i paid on XXXX XXXX, they do not return my emails anymore or my calls i am frustrated need help, the person they gave me the phone number to is XXXX XXXX XXXX extension XXXX she does not answer or return my calls they have caused me financial struggles in other areas, please help, thank you, sincerly XXXX 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 2022-12-17
Company: EQUIFAX, INC.
State: NC
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; MedicalXXXX Balance : {$130.00} ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Click n' Close, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of this year I contacted my mortgage company mid america to request a forbearance due to COVID which I know I am eligible for under CARES. The agent said they would have to determine my eligibility and proceeded to ask me to send documents. I know under CARES documents are not required nor can I be denied assuming I have not exceeded my 18 month term and have verbally attested to a hardship. Today I get a certified notice from click and close I guess my new mortgage company I was not notified of that either and its a delinquent notice!!! I was never put on forbearance and have been reported negatively to the credit bureau. This needs to be corrected immediatly I should be on a forbearance and my credit corrected. I want my call in XXXX pulled to listen to I also will be reporting this to the FHA OIG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2022 -- Opened a safe deposit box at First National Bank of Omaha ( XXXX and XXXX XXXX and was quoted a discount annual fee of {$50.00} as had other account relationships ( checking, savings and credit card ) with the bank. I gave the XXXXXXXX XXXX personal banker a check for {$50.00} to have them debit my checking account. 
XX/XX/2022 -- Received a safe deposit box bill of {$75.00} XX/XX/2022 -- Spoke with XXXX at the branch via phone and he told me that as my checking account was older that is the reason for the {$75.00} bill, but he stated this would be corrected also going forward. 
XX/XX/2022 -- My checking account was debited the {$75.00} and not the {$50.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2023 i sent a certified letter to all 3 credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from trans union and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly

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 2023-04-18
Company: AES/PHEAA
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My private student loan with AES has been traumatic experience in my early adult years where this company worked against my best interest to incur interest while I was still in school and strong armed me while I was struggling to refinance this loan at a XXXX % variable interest rate for 30 years. Resulting in my already paying XXXX XXXX XXXX XXXX  dollars over the original amount. 

Once I pushed my career to a point that I could get a handle on this loan I was able to refinance I did so with a company I trusted and for years actually paid down the principal of this loan. Then I found out that AES bought that company and I'm stuck with them again. 

It is not even the full first day that AES owns this loan AGAIN that they are already spamming my email saying I'm delinquent without even first sending notice that they have this loan.

Company response to consumer: Closed with explanation