BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -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 -LVNV FUNDING LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Rosebud Economic Development Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am trapped in my pay day loan. I called to let them know that I had lost my job and that I am looking for another job. But to my surprise, I see charges and interests that keep increasing. I called to negotiate to find an option that could stop this, but unfortunately they are not ready to help me. This is why, I come to you who have this great responsibility in order to help me to regularize this situation which becomes stressful and embarrassing. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions 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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2020-02-23
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX Last 4 Ss # XXXX DOB XX/XX/XXXX Security Credit Service Reporting a account on my credit on behalf of XXXX XXXX a company that Was already disputed several times and removed from my credit report because whatever or whomever they are is trying to collect from a fraudulent account they are aware that I'm a victim of identity theft and they keep attempting to collect on a debt that I don't owe. I'm in the mist of purchasing a home and if this dropping of my credit score affect that for a fraudulent account this will also serve as a notice of Suit for injury caused by Security Credit Service and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts on my credit report that are not mines and need to be removed from my credit report 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 explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-06-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chrysler/Cap Account Number : I reviewed my credit and noticed discrepancies in the information reported! This company is reporting information that is not consistent nor verified! I have requested validation on 2 separate occasions with no response! I am requesting written verification of the amount reported! How validated or verified this information? We hat information is present that I was ever attached to or made aware of This bent?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
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:
On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; XXXXXXXX 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 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 XXXXXXXX were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.

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 2018-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX at around XXXX I visited a Fifth Third bank ATM and I attempted to deposit {$1500.00} in cash into the ATM. Their ATM took my cash but the machine then stated that it didnt recognize any money being put into the machine so I cancelled the deposit and went into the branch to get the contact information of the dispute department. I filed my claim on XX/XX/XXXX and again on XX/XX/XXXX when I submitted my  reinsertion letter for the case to be further investigated. The branch submitted documentation showing that their ATM was out of balance. However, my case has been denied constantly even with the proof of the ATM being over balanced. I have yet to receive the credit to my account that I deserve and I am going to continue to be persistent in my efforts to resolve my case. I am asking that the investigator takes the documentation from the bank into consideration as well as video footage if the ATM is equipped with a camera.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Improper inaccurate reporting.

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 2020-02-23
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-06-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX agreed to adjust my account to reflect on time payment for XX/XX/2020. 

I sent the letter from creditor who stated they are going to update the reporting to experian and they stated that it was not sufficient to make any changes. They also did not provide the results. Their email stated that I could view the results " here '' but there was no hyperlink to view.

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 2023-10-17
Company: WELLS FARGO & COMPANY
State: GA
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: Problem with personal statement of dispute

Complaint:
I disputed this account on XX/XX/XXXXXXXX  the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX  even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-30
Company: Atlanticus Services Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/22 I attempted to make a purchase from XXXX. I received a text message from Aspire asking if I authorized this transaction which I replied " Y ''. My payment declined so I reached out to the issuer. They said a temporary suspension was placed on my account to prevent fraud and had me verify my recent transactions to remove suspension. I did and suspension was removed but my card kept getting declined with XXXX. I reached back out to the issuer and was then told some transactions are systematically flagged and to try my card with a different merchant. I told them I was not interested in using the card somewhere else, that I had already approved this transaction several times now ( from the first text and through their chats with agents ) and they need to unflag this transaction I authorized. They told me there was nothing they could do but to use a different card with XXXX  or use my Aspire card with a different merchant. They verified I have available funds, but are restricting where I am able to use my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently complained about Specialized Loan Servicing LLC as they were not and still are not applying my payment to my Mortgage. 
1 ) Each Payment comes with a payment coupon that tells the Company what to do with my payment. 
2 ) My last complaint stated that the company was not following Federal Rules, which state that the check is to be cashed upon receipt and applied to my loan upon receipt. 
3 ) This company is NOT FOLLOWING FEDERAL RULES as once again instead of applying my payment to my Loan, they have put my payment in the XXXX area. 
4 ) The website said my next Payment due was XX/XX/2022 and I sent Check # XXXX to them to pay XX/XX/2022 mortgage payment. This check cleared my XXXX XXXX today, XXXX but it was not applied to my mortgage payment, it was instead put in the XXXX funds area. 
5 ) That Money needs to be applied to my XX/XX/2022 payment and when I logon to my account it should say my next payment due is XX/XX/2022. THIS SHOULD HAPPEN EACH MONTH. 

I WILL NOT ACCEPT THIS BEHAVOIR FROM SPECIALIZED LOAN SERVICING LLC, THEY WILL FOLLOW FEDERAL RULES AND APPLY MY PAYMENT TO MY ACCOUNT OR I WILL GET A JUDGE TO TELL THEM WHAT I AM TELLING THEM. 

I do not wish to hire an attorney and take them to court because it will cost them to defend their position of not applying my payment to my account. This is the company 's last chance to follow the Federal Rules concerning Mortgage Payments. All they have to do is apply my payment to my account WHEN RECEIVED and change the due date to the next month. 

XX/XX/2022 payment has been made, my account should now say XX/XX/2022 is next payment due. Since they tell me all they are doing is Servicing the loan, they are not the holder of the loan, then that would mean that XXXX XXXX still holds the loan. XXXX XXXX had no problem keeping up with my payments. They always sent me a payment coupon with the correct payment due date on it. 

Being the Consumer Financial Protection Bureau you should be able to force them to follow the Rules in handling Mortgage payments. I am not asking you to be my lawyer, I am asking you to enforce the rules already in effect. If I choose to make a Principal Payment, I will note it on the Payment Coupon provided by the company.

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 2021-09-29
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: Old information reappears or never goes away

Complaint:
This is a complaint against XXXX XXXX. I already disputed an account from them before, under the same name XXXX with account number XXXX and it was deleted from my credit reports under Experian. However, an account wilth the same name XXXX re-appeared in my reports but the account number showing only as XXXX but still closely resembles the first one that was deleted and surely just the same account. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested verification of this account. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-12-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Nissan Motor Acceptance Corporation is reporting I was 30-60 days late on a payment. This is is incorrect. I made my payments as scheduled at the end of the loan they reported me 30-60 days stating the full balance was due. I was unaware of this. I was the reaching to Nissan trying to understand where my payment was. I was told by one of the representatives my payment was applied to Misc. He said he will correct the error and start a dispute with the credit bureau. He gave me confirmation numbers as well. I was in the process of refinancing my home at the time and the loan was denied due to my score dropping XXXX XXXX. I am asking for this to be corrected. If I have to take legal action I will. They caused me to lose a lot due to their incorrect reporting. I have contacted the XXXX and the three credit agencies but no resolve. Nissan is fighting this like its okay to ruin a persons livelihood. I was at the end of my loan and was very excited to be paying off the loan, now they messed up my credit. I need someone to please help and stop this company from damaging peoples lives. Nissan claims they sent me a text message and placed a phone call I will request my phone to show proof that no such action was taken.

Company response to consumer: Closed with explanation