BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Exeter Finance Corp.
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 information incorrect

Complaint:
XX/XX/XXXX, I submitted a dispute for a balance of XXXX $ that was charged off in XXXX. 

After submitting the dispute to Exeter finance, I received a notification on my XXXX account on XX/XX/XXXX, stating that my credit score dropped XXXX points. When I looked, Exeter finance had handled the dispute, and added a balance of {$100000.00}, and reported it to XXXX. So now the balance went from XXXX to XXXX, and its showing on my credit report that I have a six figure debt to Exeter finance. 

When I called Exeter they stated that they cant see it, however I have print outs of that new balance that was reported, and I spoke with an XXXX representative and they stated they can see the XXXX as well. Exeter is refusing to assist me with this. 


This is absolutely illegal. And now my credit has suffered because of this fraudulent reporting of a XXXX debt owed on a XXXX car that was charged off 4 years ago and sold at auction for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i was contacted a couple years ago by this place, claiming that if I did not pay them, they would take me to court and presume legal action against me with the arrest. Ive given verbal warnings to be lfet alone to not further contact me however he has not stopped. I took the liberty to call them again and let them know that I did not acknowledge the death and that is an accurate. They are listed under two company names, XXXX debt, recovery, and genesis debt company. id like to have this remove my credit report due to inaccurate information and harassment. also, Id like to include that under the fair credit bureau when a debt collector or third-party debt collector buys a debt they can not put past due seriously past due or anything thing of that matter which voids the collection thats been tacked onto my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit report is showing in error that the XXXX Credit Card payment was 30 days late and is past due {$150.00}. This is not true. It states a payment was made XX/XX/XXXX. This is not the correct date. Also, the account is not past due. There is also an incorrect balance being reported.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 see multiple account reflecting on my credit report that 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 explanation
Consumer complaint received 2021-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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 information incorrect

Complaint:
I was provided an extension of my car loan payment from NMAC in XX/XX/XXXX and XX/XX/XXXX. I requested the extension before my due date. The car loan account was closed and fully paid as agreed in XX/XX/XXXX. However, NMAC is reporting the extension they authorized and approved as a 30 day late payment. I was never told that by extending my payment it would be reported as a 30 day late pay. I was only told that the payment would be added to the end of the loan and would extend the final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
They are reporting a closed account with XXXX XXXX that is over 7 years old. This is a violation of the Fair Credit Reporting Act.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have reached out to transunion on multiple times. Because they are reporting inaccurate information on my credit report. Its not showing on XXXX and XXXX and every time they are saying it coming back as valid. This really making me feel as if they are not doing a proper investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: MS
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account in XXXX with XXXX dollars withdrew XXXX and signed up to XXXX XXXX a few weeks later after I gave them consent to withdraw XXXX my account bank of America released XXXX the first transaction and XXXX the second transaction to XXXX XXXX I immediately spoke with the bank and XXXXXXXX XXXX the bank was confused because they said I had 2 accounts which is odd and the fact I didn't get notifications from the bank about those transactions was crazy XXXX and not a txt or anything I figured it out with XXXX XXXX I thought until they sent back XXXX and I had to transfer the rest of it myself which including what they sent came to XXXX and when I spoke to the bank and XXXX XXXX I was being told I owed XXXX XXXX XXXX XXXX dollars and the bank had no idea so I magically lost XXXX and XXXX XXXX or bank of America have no idea I'm still fighting that, Then I had another XXXX check deposited in XXXX it was supposed to clear XX/XX/XXXX then the XXXX but when I went to bank of America they tell me I had late fees so they took that money out and told me they closed my account again with out notifications and no reason. they couldn't even tell me what happened to the XXXX now XXXX because of late fees.the answer has been it must of been mailed to you but it could of been sent back to XXXX XXXX or to fiancee 's address. They couldn't cash it out because it was in my fiancee 's name, but you can take your late fees out then close my account without me being notified how is that possible and XXXX disappeared and no one knows what happened to the check because once they took that money out they can't send it to XXXX XXXX and because it was entered into My account and bank of America took that money out it was cleared in the account under my name so it would be mailed to me if anything and I haven't received anything from them neither has my fiance or XXXXXXXX XXXX  because we checked and XXXX XXXX actually explained that the check was cleared and it wasn't supposed to be you can't return a check missing funds so it's probably the bank scamming you. 
So Bank of America lost over XXXX dollars of mine then closes my account for absolutely no reason but to try and get rid of me I guess XXXX was enough from one person Please help me get my money back it's XXXX just gone

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ;

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 2020-03-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX out sourced our loan to Shell point mortgage co. and this servicing company is now telling us that we must give them an additional {$850.00} this year as an additional cushion for them just in case taxes or insurance goes up. We were told a mortgage officer that this is illegal. Shell point is now taking an additional {$120.00} monthly on top of our monthly mortgage and escrow payment. We asked them why and we were told, " because we can ''. XXXX mortgage never did this to us. With XXXX, if our insurance or taxes went up, our monthly statement reflected this. They are only allowed to collect a rise in taxes and insurance spread throughout the year, but shell point wants us to add money for them to play with. When we refinanced with XXXX ( making home affordable program ) We were given a figure that was tight, but we could afford, now with this extra {$120.00} monthly, we will lose our home. We did not have any say about the this out sourcing and, someone from XXXX slipped and said they sold our mortgage to shell point, but we do not believe this is true! We need help sorting this all out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX dollar service late fee charged never received a bill calls to service center XX/XX/XXXX & XX/XX/XXXX not able to resolve proiblem tound i had been switch to 'PAPERLESS BILLING ' that i had never authorized account opened in XXXX i recall three occurences simular so far they have issued refunds

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 2016-06-21
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE financial took over a medical bill from last XX/XX/XXXX. They have not credited any of the payments I have made, nor do they enable me to see the status of my payments made on their website. 

They just send me letters about owing money. I feel uncomfortable making blind payments with no end in sight.

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 2022-03-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Equifax several times to remove the account reported by XXXX XXXX XXXX. This report has been paid in full since XX/XX/XXXX, and XXXX has verified that they reported to each credit bureau to delete the account. All other credit bureaus have removed the account except equifax. I called equifax on XX/XX/XXXX to dispute the account again. The representative stated that she had put in a dispute to have the account removed. I called on Tuesday, XX/XX/XXXX to follow up on the dispute since I have not received any information. When my account was reviewed, it was seen that no dispute was ever made on that account which means that the representative lied about forming a dispute. This has caused me unnecessary time to try and get corrected due to the account should have been deleted in XX/XX/XXXX, when the other credit bureaus accurately removed the account from my credit report. Equifax does not update reports in a timely manner and you have to continuously call and try to get help disputing items, when in fact, they never try and dispute anything. They are not following any of the credit reporting guidelines set forth by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have disputed an address on my credit report on more than one occasion and the address is still reporting on my credit report. On or around XX/XX/2021 I sent another request along with a Sworn Statement ( JURAT ) with a seal that states this is not my address and Experian ignored this request as well. They also did not provide any information that I requested to substantiate ignoring my previous and current request. I believe my Sworn Statement ( JURAT ) that can be held up in Federal Court is more than proof this is not and never has been my address. Experian received my last request on XX/XX/2021 at XXXX XXXX. I am not sure why, but I believe that Experian is biased towards me as they often ignore my disputes. XXXX XXXX is in charge of my account at Experian.

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 2021-08-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
My wife and I applied for a chase card the is named United Explorer Mileage plus We did this as to get through to the baggage section on United website and be able to continue because it was t letting us go any further until we filled out the application di we did and we were approved for the card and {$5000.00} credit limit. Now we have had this card about a month and when my wife was shopping she went to use card for the transaction and was denied which shouldnt have been then we receive an alert regarding g is this your purchase and we stated yes. This was from fraud department now mind you we had not received any notices or anything regarding our account. Then we log in to the app. For Chase and it says account closed. Now I speak to them today and they say after a deeper review of our credit that they decided to close account. I feel this is extremely tacky. Chase should not be allowed to do this after we have had cards for almost a month now they close it after we used it I have never had to deal with creditors like this they use and angle to XXXX you on then after a month they close your account this is XXXX percent wrk g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 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. 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.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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