BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished one account on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number 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 2022-06-24
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2022-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a collection and inquiries I did not authorize

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 2022-09-19
Company: RentDebt Automated Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RentDebt Automative Collections is not Licensed in the state of Illinois to collect any debt. I have asked the company to provide their License to collect in Illinois, and they have not yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Value : XXXX Date : XX/XX/XXXX Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX I don't know this collection. Someone used some of my personal information to pay for a rented apartment in XXXX, Texas, I have never lived in the city of XXXX or lent my name to someone who lives there. this account is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NC
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:
Ive noticed unusual activity revolving around my credit file and as a living human being, I have rights under the. 
15 USC 1681, Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) This inquiry was placed yesterday when I have a credit lock on my credit and I didnt authorize this. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) XX/XX/20XXXX XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX - XXXX XXXX- ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: T.S. Holdings
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've filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I not received any investigation reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Mr. Cooper stated my property taxes went up. When they actually went down. Assessed and Taxed value on XX/XX/XXXX was {$260000.00}. Assessed and Taxed value on XX/XX/XXXX was {$240000.00}. And the phased in amount for XXXX is still lower than the {$260000.00} amount. 

They are staying there is a {$370.00} shortage per year ( 12 months ), which is {$31.00} per month. But they want to charge me an additional {$41.00} per month, which is {$490.00} per year ( 12 months ). My math tells me they are charging me 32 % interest on the {$31.00} to get to the {$41.00} amount per month. Makes ZERO sense as I have not had to pay any interest in the past to cover these yearly payments for my insurance plan and my property taxes. 

They continue to close out my message requests, causing me to have to create a new request. And their site does not allow you to copy and paste information from previous message threads I have created so I am forced to type everything in again. This has all been quite time consuming from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After reporting a fraud charge on the account the company told me to continue making payments while it is being investigated. Once he investigation was finalized they determined it was fraud and I was told they will be sending me a refund check. This was in XXXX. I havent still received a check. Every time I call they say it will be arriving in 3-5 days. The last time I called they were not able to see my info due to system being updated. I already reported them to XXXX  but nothing happened so far. 
They are holding money that is not theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
AUTO DEALER FRAUD XXXX XXXX, AZ On XX/XX/XXXX, I financed a XXXX XXXX XXXX at XXXX XXXX in XXXX, AZ. 
At no time did the used car salesman, XXXX, tell me the hybrid battery was out of warranty and over the manufacturer 's XXXX recommended life of battery. The car had XXXX miles. Salesman, XXXX told me, this the only car the lender would give me a loan on for 22.99 %. Usuary is 25 %. High pressure sales. My car died.XXXX  stole my {$1600.00} downpayment and added it to the price of the car. The car 's true value was {$6900.00} Dealer charged me {$7900.00}. 
15 months later, XX/XX/XXXX, this car died at XXXX XXXX in XXXX, AZ. The battery costs {$4600.00}. Now, XXXX XXXX has NO VALUE!! 
I traded XXXX in for another car at XXXX XXXX. 
Now, I have to pay for the deadbeat car from XXXX XXXX-THE SCAM CAR. 
XXXX had no business selling that car to me or anyone. 
XXXX needs to reimburse me for my financial losses. {$1600.00} down payment, 15 car payments @ $ XXXX $ XXXX {$5900.00}. 
Read attached.

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 2022-06-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I never applied for a loan. I kept receiving emails to this email address stating I was approved for a loan. I NEVER use this email address for IMPORTANT information. This is my junk email address. The email had my first name, however it was NOT my bank account info that the funds were sent to. I tried to stop this within minutes of receiving the email. I also called them to correct this error. I HAVE NOT APPLIED FOR THIS LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am reaching out to the CFBP because I believe I have been unfairly taken advantage of on what I believed was a fair deal on a pay to own item promoted which included a " 90-Day Satisfaction Guarantee Buy Option '' from XXXX. On XX/XX/2022 I reached out to XXXX customer support and spoke with a XXXX to pay off my balance ( {$630.00} ) since my first payment was completed on XX/XX/2022 for {$110.00}. I was told the finance department was in a meeting a they would call back, however I never received a call. I reached back again to XXXX on XX/XX/2022 and spoke with XXXX ( www.montereyfinancial.com ) who advised mypayoff was XXXX XXXX and this was due to my 30 grace period ending. I advised of my contract " see attached '' I had a 90 Satisfaction to pay off a different amount of XXXX and I already made a payment off XXXX. I have forwarded my contract to their support XXXX XXXX XXXX however never received a call back. I have since made my payment to the amount I believed owed {$610.00} in good faith. Although I worry this is an unfair tactic to misdirect customers. I am hopeful this gets resolved quickly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account:XXXX XXXX XXXX Account:XXXX XXXX XXXX Account:XXXX  XXXX XXXX Account:XXXX XXXXXXXX Account:XXXX XXXX XXXX Account:XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX Division of child support Account : XXXX XXXX XXXX New York Docket # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: OH
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 have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair

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 2021-10-30
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: SC
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 am writing to dispute a fraudulent charges on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: JP RECOVERY SERVICES, INC.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX Washington XXXX sent me to a debt collection service over an alleged debt from XXXX. I was not notified of this debt previously. The website attached provides an email address to direct billing questions to, and it does not work. XXXX I was not given an opportunity to pay the invoice sent by XXXX to me, after I was sent to collections, despite the invoice being the first time I was made aware of an alleged {$30.00} debt. I was not provided proof of the debt, not provided proof that I did not pay nor was I offered an explanation of why XXXX YEARS had passed prior to attempting to collect a debt. The bill date of this alleged debt was XX/XX/XXXX as per the attached statement. How can I be billed for something AFTER I was sent to collections. 


XXXX had previously invoiced me for another bill a year after the fact, and communicated to me repeatedly that it was past due ( despite the delay being caused by their error, and I paid the bill. XXXX repeatedly behaves in a predatory manner where the patients are responsible for the billing and process failures of the hospital. This is unjust. 

I attempted to communicate with them numerous times, often getting a voicemail. The most recent time that I was able to communicate with them was on the week of XX/XX/XXXX. The only communication I received from them was that I had to pay the debt to the debt collector, with no explanation of the above.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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 and XXXX account 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 602 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 2022-06-24
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 and XXXX  account 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 602 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 2022-06-06
Company: EQUIFAX, 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:
There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a mother of XX/XX/XXXXand I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CBC Companies, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
INNOVIS XXXX XXXXXXXX have been illegally furnishing RE-AGED  US DEPARTMENT OF EDUCATION account XXXX XXXX XXXX XXXX XXXX 3rd  party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING

Company response to consumer: Closed with explanation