BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: SC
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 tried to dispute the XXXX XXXXXXXX XXXX credit card information showing on my credit report with all three of the credit bureaus back in XX/XX/XXXX and again on XX/XX/XXXX & XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and was told by 5 different representatives that they do not have a closed credit card account for me and that they only show closed checking and savings account with them in their system. I asked if they could send information to the bureaus correcting this but was told they would have to have an account to access in order to update this misinformation with the bureaus. I disputed the account again and have already received results from Experian stating that the account came back as verified and will remain. I do not understand how they are validating an account that XXXX XXXX  XXXX can not pull up when I called them directly. I provided the full account number that one of the Experian representatives provided to me and XXXX XXXX XXXXXXXX could not pull it up in their system. Please assist! Thanks in advance!

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
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:
This is yet another in a very long of complaints about these two companies in this regard. CFPB has not done their jobs by stepping in and mediating, enforcing fairness, law, and the FCRA. Several months ago, and as I've already reported here to CFPB ad nauseum, both Experian XXXX XXXX have lowered my score precipitously, by XXXX points & XXXX points respectively, without any wrongdoing on my part, and without explanation or rationale. Now, I expect the CFPB to defend me here by demanding that these XXXX companies restore the points that they've deducted from my score without reason to do so. Simple. I also demand a clear XXXX explanation from both companies as to why the did what they did, and not a pre-programmed or scripted rebuttal in response. Do your job. You're supposed to be working to counteract and defend against unscrupulous credit practices, and this is a glaring example of XXXX such practices. No, this is not involving a dispute. Restore my points immediately.

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 2023-04-21
Company: Experian Information Solutions 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 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 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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX Amt {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXXXXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Midwest Loan Services, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently paid off my loan in full after 6 years of condo ownership. Working with the company has been great. I believe I mistakenly paid late once during the period of my loan. The call center employees are very professional. 

In the last few weeks, I have been wishing resolution for my loan closure and my escrow refund check. On XX/XX/XXXX, you mailed my closing letter in full with the letter saying any applicable refund check would mail under separate cover. The next day, the XXXX, the check was mailed. On XX/XX/XXXX, I got the closing letter in my locked mailbox. It is common sense that two mailings a day apart would be received one day apart. It is now XX/XX/XXXX, a week after the first mailing. Your call center has told me several times that the check was mailed. No one can explain why the check has not shown up. I asked for them to cancel the check and they refuse to do it until 3 weeks after the mailing. I also was not told about their wire transfer option. Additionally, they refuse to waive the wire transfer fee if I cancel the check. It is 2022, and they dont have direct deposit as an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BMO was supposed to credit my business checking account a {$500.00} bonus but they only credited me {$300.00}. On XX/XX/2023 they credited my checking account {$300.00} when it was supposed to be {$500.00}. Here were the terms of the offer which I have fulfilled. I deposited over {$10000.00} and made 10 debit card transactions. I was on the phone with BMO customer service for over 1 hour and they keep giving me the run around. I have had enough with this bank and their games. 

{$500.00} Business Advantage Checking bonus : Deposit at least {$10000.00} within 30 days of account opening. 
Once your balance reaches {$10000.00}, your balance can not drop below {$5000.00} for the next 90 days. 
Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.

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 2023-04-21
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i got help from XXXX who started paying are morgatge payment XX/XX/23 still inside the grace period. they ( amerisave ) say thier not getting them I showed them proof and still started forclosure on us and reported this lie to the credit breuros credit went from XXXX - XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It showing late payments for XXXX XXXX XXXX and its holding me credit down. I asked for a forbearance at that time.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a request for XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than XXXX XXXX XXXX. I know for a fact that I did make these payments, but I am not here for that. They are reporting to Experian and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from XXXX and XXXX XXXX stating the dates. I do not have the letters mailed to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Ragan & Ragan, PC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX, I received a letter from Ragan & Ragan , PC firm XXXX XXXX XXXX XXXX XXXX, NJ XXXX that they want me to pay to XXXX XXXX firm {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

Ragan & Ragan , PC File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said XXXX XXXX  XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account 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 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 2023-09-20
Company: Experian Information Solutions Inc.
State: MD
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'm submitting my complaint about the information that Experian has on my consumer fileXXXX XXXX XXXX XXXX is showing on my consumer file as {$29000.00}. When I contact Experian about this amount showing on my consumer file I get " been verified ''. I'm submitting the disclosure that was provided to me by XXXX XXXX XXXX XXXX and Experian isn't listed. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) 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; According to consumer law under exclusions my information should not be shared. XXXX XXXX XXXX XXXX never stated in their diclosures that any information would be shared with Experian, 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 explanation
Consumer complaint received 2019-06-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I called National credit system at XXXX XX/XX/2019 the fake fraudulent lady claimed I owed XXXX XXXX  XXXX. I dont owe anyone anything this fraud by wanted fugitives in retaliation for me reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX all for multiple XXXX and poisoning to the New York State Attorney General. National credit system is allegedly at XXXX. XXXX XXXX XXXX, GA XXXX sound some XXXX old trying scam people. She got all information wrong Im suing Where lived over braking in my apartment. National credit system requested my lawyer and I could be sued over this alleged debt. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection attempt from Jefferson Capital System that was opened XX/XX/XXXX. The debt was originally to XXXX XXXX, the issue with this debt is that I had cancelled my plan with XXXX XXXX due to my military XXXX  prior to XX/XX/XXXX as that is the year that I was discharged from the military, I was unable to continue the contract, I provided my XXXX   to the XXXX XXXX store located near XXXX XXXX, NC where I was stationed and was promised that it was taken care of. The original phone contract was from 7-8 years ago and XXXX XXXX is unwilling to give me information about the contract or anything about the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I couldn't afford the title loan anymore when my car died at XXXX. I called several times and asked them to collect the car, that I couldn't pay. XXXX at title Max in XXXX keeps calling threatening jail and told me " not to drop the soap ''. They call daily with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX Balance : {$3400.00}.

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 2023-04-21
Company: Experian Information Solutions 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 Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account 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 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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law. 
Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.

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 2023-04-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the end of our auto lease, we received a bill from Nissan to collect the personal property tax bill they paid, but it included time after the car lease had been terminated. 

We called several times and repeatedly were told the issue was being investigated and that once it was determined how much we owed, we would receive an updated bill. We never received a bill or any follow-up attempts from Nissan to let us know what we owe and give us an opportunity to pay them. 

Today, I received a collections notice for the amount owed from XXXX. 

After the several follow-up attempts in early XXXX, we followed the guidance provided to wait for the updated bill to arrive, which we never received.

Company response to consumer: Closed with explanation