BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: AmeriCollect
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX sent in a notarized debt validation letter via usps with ceritfied mail with signature receipt # XXXX XXXX XXXX XXXX. Which was signed by a XXXX XXXX on XX/XX/2021. I sent in a debt validation 15 US Code 1692 ( g ) ( 4 ) ( 5 ) ( b ) request a signed and contract between Americollect XXXX XXXX, XXXX XXXX XXXX WI XXXX. AMERICOLLECT was asked by the consumer to remove damaging information from my credit file upon receipt of my letter. Since sending in my debt validation letter to AMERICOLLECT they have sold the debt to a different debt collection company however still furnish misleading and demanding information to my credit files.As per 15 US Code 1692 ( a ) ( b ) ( f ) abusive deceptive and unfair debt practices by a debt collector. 15 US Code 1692 ( f ) ( 1 ) unfair practices. I am seeking remedy for these damages as per 15 US Code 1692 ( k ) Civil liabilities ( 2 ) ( A ). Not responding in a time fashion to my communication attempts to remedy this issue. OTHER VIOLATIONS WARNING 15 US Code 1611. I contacted XXXX to have the information updated and or removed to no avail.Waiting on this company to comply with the comsumer and remove or update files and to stop furnish this damaging information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 many addresses, 2 in totally different states I have never lived in, on my report and lot 's of inquiries I don't recognize.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XXXX last year and XXXX this year and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-02-24
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan about a year ago. I made some extra payments in the first month which the company did not apply to principle and I had to call them to fix that.     Somehow this has irravociblely screwed up their computer systems. Every month, I pay my {$5000.00} on the  XXXX  of the month. {$4200.00} is due on the  XXXX . Every month, they charge me a late fee because they think I am paying on the  XXXX  for the previous month. Yet, I have never missed a month since the beginning. I have called 3 times about this and each time they fix it, but the problem restarts the next month.     I am wondering if this is some sort of game they are playing with lots of people 's mortgages. It is very easy for someone to not spot the {$150.00} late fee with big payments like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28
Company: DISCOVER BANK
State: AL
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 received an email advertisement from Discover offering a credit card application which would not affect my credit score. I applied and initially received an approval response, however before the card even arrived they changed their decision and closed the account. I believe this to be dishonest. Now I have an inquiry and a new account on my credit report which negatively affects my credit score. I wrote a letter to Discover asking them to remove the inquiry and the account from my credit report as they acted in bad faith. I have also disputed the account and the inquiry with the XXXX, XXXX and XXXX. So far only XXXX has responded advising that they will not remove the account. This is horribly wrong and I am reaching out to ask for assistance and to ask that companies not be allowed to do this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: AZ
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:
Equifax, is reporting fraudulent inquiries to which I received no benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. The following is the error that I have identified : XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Also please take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this 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 2022-12-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1XXXX XXXX XXXX XXXX XXXX XXXX  REFUSE TO REMOVE FRAUD FORCE PLACED HOMEOWNNER INSURANCE PREMIUM {$1700.00} AND {$1400.00} OFF MY ACCOUNT ESCROW ANALYSIS VIOLATING FLORIDA STATE AND FEDERAL LAWS. 

2. XXXXXXXX XXXX XXXX XXXX XXXX PUT ME IN HARMS WAY SETTING MY ACCOUNT AS NON-HOMESTEAD. MY PROPERTY IS MY HOMESTEAD SINCE XXXX CLASSIFIED BY XXXX XXXX XXXX XXXX XXXX FOLIO # XXXX, PHONE XXXX I NEED THESE 2 URGENGT ISSUES RESOLVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my third complaint. The previous complaint was regarding the inability to receive a letter from Nissan stating my car account was paid and up to date. My ex-wife did not pay the car for three months and I was never informed by Nissan. I went to apply for a loan with XXXX XXXX and it provided a letter stating that I was able to purchase. I am currently under contract to purchase a home but I can not because I can not get a letter from Nissan stating that my account is current and the current balance in order to re-score my credit. My credit score dropped from the 700s to the low sixes due to the late payment. Three different Nissan customer service agents said that I could not get a letter until after 21 days had passed my XX/XX/XXXX payment in case I " withdrew '' the payments. I received a letter from Nissan on XX/XX/XXXX and the credit bureaus stated the letter did not provide the current balance and they could not re-score my credit. I just called Nissan and was transferred to another department. When I was speaking with the agent along with my loan officer, XXXX XXXX, the agent said that Nissan 's loss recovery department could not provide a letter at all because my ex-wife filed a bankruptcy in XXXX!!! This is totally different than my experience with the other customer service agents. They never said anything about my ex-wife 's bankruptcy. I requested to be transferred outside of loss recovery and the agent refused and said that her supervisor could not come to the phone because she was busy!!! I don't know if Nissan now flagged my account because I made a complaint with the CFPB and will now cause me problems in the future. I need a letter NOW from Nissan stating that the account is current and the current balance due. It is ridiculous that I need to make three complaints in order to get an accurate and satisfactory letter from Nissan. If they are doing this to me, they must be doing this to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good afternoon, This is a formal report re : an unauthorized transaction XX/XX/22 involving an attempt to cash a check for {$7000.00}. 

Bank of America, the account provider, has restricted my account and begun a fraud investigation. 

Kindly be advised this is in process, and I suspect it happened because my check book was recently stolen. 

Per BofA, the long-term solution is that I close my accounts ( checking and saving ) and create new accounts.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with 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 2023-07-18
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained the loan in 2015 when I had an operation preventing me from working. I was making my payments but the amount was going all to interest and not paying off the principal balance, the loan was sold to other vendors and interest increased. I was then making payments to the XXXX XXXX XXXX XXXXXXXX who obtained the account from One Main Financial. When I defaulted the payments they sued me and increased the balance, now my wages are being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
During COVID the lease was expired. The car was turned in to the dealership at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not provide me with any documents to turn in the car via email or by mail. Now they have increased the price by adding excessive fees and added it to my credit as if I am still in the lease with them till this day. When they got the car and sold it at the auction without reporting the savage value. Now the company made a profit off the car and they are still coming after me for excessive fees, which are not accurate. When I tried to find the vehicle history by the XXXX number it shows another car from the one I had. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a XXXX with XXXX XXXX. The XXXX caused me to not be able to work. When I returned back to work I attempted to start paying back my medical bills. This company has been taking my {$10.00} a month payments for the last 2 months and then because I refused to answer there multiple calls all day they sent me to collections. I repeatedly asked them to stop calling and I was mailing what I could pay to get the balance down. I contaacted the collection agency and 'She '' XXXX or XXXX told me it doe snto matter how much you are paying you can go into collections at anytime. Then if that is the case why did the send me mail telling me I had options to dispute this. Please review this matter, I hdo not have a pribelm with my responsibility I have a problem with their aggressive calls, and misinformed information they use to try and get people to pay. The orignal creditor is XXXX XXXX and she said she works on behalf of them and directly with them which was a lie again. I told her I would be filing a complaint, My original balance was {$200.00}. I recieved this paperwork from the collection agency around XXXX or XX/XX/XXXX. I made the first {$10.00} payment XX/XX/XXXX via check online and the second payment via credit online XX/XX/XXXX. After askingthem to stop calling me they placed thsi accoutnon my credit report yesterday 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/ late payment was applied to my credit report 15 U.S.C. 1681 ( 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 State rights to consumer privacy

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 2022-12-28
Company: Continental Finance Company, LLC
State: OR
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 disputed and I feel the investigation was invalid due to inconsistency

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 2023-02-23
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 win the Fair credit reporting act. The List or accounts below mashes 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 XXXX / Account # XXXX Account name : XXXX XXXX / Account # XXXX All are a violation of 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 2023-05-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!

Company response to consumer: Closed with non-monetary relief