BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: ProCollect, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of an apartment complex before my lease was up. The current owners of XXXX XXXX XXXX in XXXX NM at the time was XXXX. They took this to court and a judgement was filed for the amount due for breaking the lease of {$2200.00}. The account was then sent to Pro Collect but had additional rents tacked on to it. I have been trying to get this company to take a look at the statement and understand that they charged me for the full month of rent for XX/XX/2019 of {$720.00} and then they also charged me another {$410.00} for XX/XX/XXXX through the XX/XX/2019. So essentially they are charging me above my contracted amount for XXXX rent. I have called and sent emails and every time they get extremely hostile and aggressive over the phone and just keep saying " your refusing to pay this debt '' not one person has looked at this however and realized that it is wrong. When I ask for the original creditors information to contact them they refuse to give it to me and they also refuse to work out a payment arrangement stating it has to be paid all at once up front. No where in the Lease agreement does it say they can charge me 1.5 times the amount of rent for one month. This is illegal and they refuse to address this issue. I will not pay a balance that is not correct.

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 2023-04-01
Company: Westlake Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I " bought '' a car from XXXX XXXX XXXX. My financing was done through XXXX XXXX ( a subsidiary of XXXX XXXX XXXX ) and as of XX/XX/XXXX they shut down the pay site and stopped our ability to make payments on time. 
Starting on XX/XX/XXXX I started receiving numerous harassing phone calls from Westlake Portfolio Management ( a debt collector ). 
I am unable to contact anyone at XXXX XXXX XXXX or XXXX XXXX regarding my vehicle. My car title shows a completely different entity ( XXXX XXXX XXXX who shows as a transportation company with 1 truck and 1 driver ). 
XXXX XXXX Co shares an address with XXXX XXXX XXXX  and XXXX XXXX. I am being harassed now by a debt collector through no fault of my own and being told that I will not be receiving my car title as Westlake Portfolio Management is only " servicing '' my contract. I have warranty with my original contract with XXXX as XXXX has stated that they will not honor the warranty. 
XXXX XXXX XXXX and XXXX XXXX have filed XXXX XXXX  bankruptcy in XXXX XXXX in Delaware. The businesses have not been dissolved in my state of Alabama. I have no way to contact the XXXX XXXXXXXX XXXX  too ask about my title and I feel as though I am being defrauded as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has blocked all attempts to contact them. 
I have never been late on my car payment with them and being handed over to a debt collector does not set well with me. They are calling 3 to 5 times a day. Harassing me to pay every single day.

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 2021-08-27
Company: Experian Information Solutions Inc.
State: DC
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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry 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 explanation
Consumer complaint received 2023-02-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previously I filed a claim against Midland credit management and had them removed from my credit and It was granted.I received a letter in the mail from them attempting to collect on the same debt that is not valid. They was re-aging the account anthe the balance was different on XXXX, XXXX and XXXX. I have called them previously an asked then not to send any mail to my address. 
# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 3 accounts were disputed to TransUnion that the accounts on my credit report are reporting inaccurately. Transunion is in violation of the FCPA for not entering the notice of dispute 30 days after the account or item is disputed. After months of bringing it to the attention of Transunion of the violation, they refuse to delete the inaccurate accounts off my credit report. FCRA 623 ( a ) ( 3 ) states once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. Transunion has sent a response that their records show that they previously completed an investigation and that the accounts were verified. I did not request the accounts be verified. For Transunion 's non-compliance of the FCRA, I am aware that Transunion may be sued by me, the FTC, CFPB, and state governments of a maximum penalty of {$4000.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 62. A copy of the complaint will be sent to the FTC and the Texas Attorney General.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
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:
Several of my accounts are paid in full ; per the letter attached. The total amount paid off was {$47000.00}

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 2023-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I was informed that my non public personal information was compromised as a part of the XXXX of XXXX breach. This included my checking account number as a dd recipient with JPMorgan Chase. I went into my local Chase to close my checking and open a new one. They eventually opened a new account, froze the old one, prepared a list of my outstanding items, dir deposits, and auto pymts. I was told their BACKOFFICE will pay the listed items on the new account. The list included my Chase Visa ccard which I pay in full each month and my Chase mortgage. Within two days I started receiving text messages from Chase notifying me of items clearing listing only an amount. I went to Chase for more info and was told it was a fraudulent text, to delete it and block the number. It was my XXXX pymt. It was returned not paid. Two days later Chase informed me that they were closing my accounts. Once I found out they decided to close my account, I tried to just close it in person and was told I couldn't and they would send me a check within 7 to 10 days. They have now frozen my new checking account, closed my debit and Chase rewards credit card ( forfeit rewards earned ). They will not allow me to withdraw any of my over $ XXXX dollars which is what I use to pay my cc and mortgage as well as all other expenses. Nor will they explain why they are holding my funds. All deposits to my account acct are collected funds, XXXX of XXXX XXXX and Social Security. I have been with Chase since the XXXX XXXX purchase with no NSF or fraudulent activity ever. There are no legal related garnishments or other holds. I don't know what to expect when my next retirement wages come in on XX/XX/XXXX. I am a fully XXXX XXXX XXXX retiree. I have not had access to my funds since Monday, XX/XX/XXXX and have yet to receive any of my money or a reason for their behavior. I was told that they do not have to provide me with a reason. I previously filed a complaint against Chase through CFPB and wondered if this was their way to retaliate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Chime Financial Inc
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase through XXXX back on XX/XX/XXXX and due to Covid they had delays in shipping. I filed a dispute with XXXX  and they were working with resolving the shipping not arriving as proposed by the merchant. On XX/XX/2021 I received a small bag with nothing but a packing bubble. I contacted XXXX  with the pictures and they haven't responded nor issued me a refund on the purchase of 24 inflatable chairs. I then filed a dispute with my bank to which they have denied my dispute of fraud on the merchant. I'm out of {$140.00} and I need help with retrieving my funds from a transaction that everyone else has benefitted from but me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
In XXXX I sent a letter to each major credit reporting agency ( XXXX, Experian, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.

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 2023-03-25
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Card is maxed out by someone an ex let in our house but its really affecting my credit report as it has been closed down now and I cant afford those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-02-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I XXXX XXXX BXXXX 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 explanation
Consumer complaint received 2021-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Toyota Motor Credit Corporation. 

ALL payments have been made electronically and on time for the last three years. 

I paid two car payments - XX/XX/2021 and XX/XX/2021 before the payments were due. Specifically, I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021, and I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021. 

In or around XX/XX/2021 I received a notice that my car loan was 30 days overdue and I paid another loan payment on XXXX XXXX, 2021. In total for the two months of XXXX and XX/XX/2021, I made three payments - BEFORE they were due. None of those three payments have been properly applied to my account and remain pending. Their electronic system acknowledged the payments - but indicated the payments were pending. Additionally, that system said that they were charging my account extra fees for late payments. 

I called their loan service department to clear up the issues on XX/XX/2021 from my husband 's cell phone XXXX. I attempted to contact a customer service representative. Their system said that they would return my call and hold my place in line. I did not receive a call back. I called them again and the system indicated they were closed. 

The system is not properly crediting my payments, and is incorrectly assessing late charges. It is not clear to me whether they are attempting to take possession of the vehicle - but any such movement would be illegal, and a breach of contract as I have paid in conformance with the contract. They have failed to timely respond to my communications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: WA
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
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:
Nissan finance is reporting late payments to my credit and the account is listed as charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
Unrecognizable Inquiry showing on credit report XXXXXXXX XXXX  ( XXXX ) XX/XX/2022 Please remove inquiry from credit report.

Company response to consumer: In progress
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX

Company response to consumer: Closed with explanation