BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of Quality Acceptance LLC. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from Quality Acceptance LLC.

Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was looking over my credit report and see 2 accounts from this company I have never heard of on behalf of XXXX. I do not owe Aldous and Associates anything in fact I demand they show me a contract between myself and them saying otherwise. I searched their site and they claim to be an attorney 's office which is a violation of the FDCPA. They also did not notify me prior to reporting these accounts on my credit which is also a violation. As a so called law firm they should know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # NA has violated my rights. 

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

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

15U.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 and 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 to any 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 2023-01-08
Company: EQUIFAX, INC.
State: NE
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:
i have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XXXX with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 , has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.

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 2023-02-07
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: Their investigation did not fix an error on your report

Complaint:
This is the fifth time I've updated this questionable information by sending a letter to the three credit bureaus, yet no changes were made. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to repair the following incorrect items : 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 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 2023-01-08
Company: EQUIFAX, INC.
State: PR
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 asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than XXXX hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear Consumer Financial Protection Bureau, CreditAcpt I am writing to bring attention to some violations of consumer law that I have become aware of. Specifically, I am referring to improper reporting of debt, reaging accounts, incorrect report dates, incorrect open dates, incorrect payment status, incorrect last active dates, and incorrect last payment dates. Each of these violations presents potential harm to consumers and their financial credibility, and they must be addressed swiftly. I mean this company is reporting 120 or 180 days late since XX/XX/2020?!?! 

I would like to direct your attention to the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must exercise reasonable care when reporting information to credit bureaus, must maintain reasonable procedures for maximum possible accuracy, and must not report obsolete information. Furthermore, the Truth in Lending Act ( TILA ) seeks to promote the informed use of consumer credit by requiring disclosure of credit terms and limitations on certain credit agreements. This is relevant, as the improper reporting of debt and other inaccuracies could lead to a false understanding of the terms on which a consumer may receive credit. Given the potential consequence of these issues, I urge the Consumer Financial Protection Bureau to take action and hold credit agencies accountable so that these violations can be appropriately addressed and consumers can be adequately protected from harm.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over the past XXXX years, I have trying to get this information removed from my report at XXXX. I have made over XXXX complaints ' with CFPB that XXXX only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over XXXX years of incorrect information. They have stretched the law for XXXX years

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 2023-01-23
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-01-08
Company: ACIMA CREDIT, LLC
State: NV
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 submitted 2 disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! 

All the accounts that were listed on my police report remained the same with XXXX. The other 2 bureaus found there were fraudulent and also fixed the errors. 

This is my third attempt to get XXXX to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. 

I will continue to document my efforts until these fraudulent charges and errors are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
Santander Consumer USA YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,XXXX credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( XXXX ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( XXXX ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ).

A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ).

15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as Transunion, Experian, and Equifax.

18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a 2016 Kia Forte no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for Kia Ill be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called Kia they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to XXXX other places XXXX place did have a used engine it was {$3100.00} and told me it would take XXXX hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against Kia and Hyundai for this exact reason so I just wanted to reach out to somebody.

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 2023-01-07
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2023, I contacted Bridgecrest ( my auto loan company ) about the exorbitant interest rate of 22.391 % that they are charging me. I asked for them to adjust my rate as it is hard for me to manage and that the rate is technically consumer usury. They responded by saying that " I signed the contract and that they can't do anything other than recommend that i contact a third party to refinance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, 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:
I was working with a credit coach in order to pay off my credit card bills and to increase my credit score. My credit coach informed me that although my XXXX XXXX credit card is paid off something is reporting on XXXX which is affecting my credit score. 

XXXX XXXX account paid off and it seems as if a balance is still reporting on XXXX which is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: CA
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:
Comenity Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
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: 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