BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have spoken with several employees XX/XX/XXXX at Credit Acceptance on different dates confirming that my 1st date of delinquency was XX/XX/XXXX but this company continues to report it as XX/XX/XXXX to the bureaus.They have sent me an invoice that clearly shows XX/XX/XXXX as the 1st date of delinquency. Ive been bounced around by management telling me to contact the bureaus because theyre the parties that are reporting this to my credit. I called each bureau only to be told that they only update what the Lender sends in. This account has been on my credit for over 7 years and should have been removed months ago. Since my dispute in XX/XX/XXXX Credit Acceptance has removed this from XXXX but keeps reporting to XXXX and XXXX that the information is correct when in fact it isnt. This is negligence on their part and illegal. Obviously they are aware that it should no longer be reporting because it was removed from XXXX. This needs to be removed 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 2023-08-29
Company: EQUIFAX, INC.
State: AL
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:
Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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 credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I SPOKE TO NAVY FEDERAL WHO I BANK WITH AND I EXPLAINED TO THE ACCORDING Your company is in clear violation of the law, Pursuant to 15 USC 1681a ( 2 ) ( a ) ( 1 ) ( 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 ; THE LAW CLEARLY STATES : Transactions and Experiences between the Consumer ( ME ) and the person NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my consumer report THEY ARE REPORTING MY UTILIZATION REPORT WHICH IS AN EXPERIENCE AND IT SHOULD NOT BE THERE. I REQUESTED THEY INSERT 5 % OR LOWER FOR THE UTILIZATION OR REMOVE IT COMPLETELY FROM MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2023 I have reached out to have negative remarks removed from my credit report. There is a remark on my credit reports showing from XXXX, XXXX XXXX, and XXXX. I need these negative remarks moved showing Bankruptcy XXXX XXXX that is noted on these accounts. There isn't a bankruptcy reported on my credit report. I called in to the credit bureau today XX/XX/2023 letting them know that it needs to be removed and I was informed that the courts do not report to the credit bureau nor should the bankruptcy be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MD
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:
You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. The account is listed below : XXXX XXXX XXXX : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions 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:
Please reference report number : XXXX. ( attachments are in that report ) This report as stated above is closed and Experian stated in that report that they were in the process of removing all late payment information from my credit report apart from the bankruptcy of XX/XX/XXXX. 

As of today, XX/XX/XXXX, they continue to report that my credit had 90-day late payments in addition to the bankruptcy. I have attempted to resolve direct with Experian and obtain an update ; I have been unsuccessful. 

I do not understand why it is taking them so long to make the amends they stated they would accomplish. Remarks in my credit report from Fair Issac Credit Corporation dated XX/XX/XXXX show that Experian continues to make reports that at least 4 of my accounts have been late 90 days in addition to the bankruptcy, which is patently proven to be false, independent of the bankruptcy statement continue to harm my credit scores for unsecured credit, mortgages, auto loans >> as well as FICO scores across a range of their products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Investigation took more than 30 days

Complaint:
these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Logged into my online portal. 

shows " Your funds are currently not available for withdrawal. Please call us at XXXX. '' Called them 3 times but no-one is able to help resolve this. 

I can't access my money in accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was leaked in the XXXX data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, Equifax, and XXXX. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX XXXX # : Unknown ( multiple accounts ), XXXX XXXX # : Unknow ( multiple 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, also remove inquires from 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 I have never applied for credit with these companies. I have never lived at 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 These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 notified TransUnion Credit Bureau several times letting them know that my name was spelled incorrectly. My name is XXXX XXXX, XXXX. They keep showing in their system ( XXXX XXXX, XXXX ) I've sent them a copy of my driver 's license, social security card and a utility bill. I have never applied for credit under any other name. As of today they still don't want to correct my credit report. 

I also sent them a letter requesting that they sent me a copy of my signed authorizations for the recent credit inquiries. They sent me a letter back telling me that my signed authorization is not required in order for them to release a 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 2023-09-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Release of part ( final proceeds ) of insurance proceeds for casualty loss ( hail damage ) in the amount of {$32000.00} was delayed allowing lender ( Chase ) to obtain benefit of holding funds for extended period while making it necessary for complainant to delay payment to contractor. 

Timeline : XX/XX/XXXX Fully endorsed final insurance proceeds check received by Chase XX/XX/XXXX Chase website shows all required documents received. 
XX/XX/XXXX Inspection completed, XX/XX/XXXX Website shows inspection passed. All requirements completed. 
XX/XX/XXXX Check for claim funds issued a full week after all requirements satisfied. 
XX/XX/XXXX Website shows " claim funds sent '' - on a Friday. 
XX/XX/XXXX Postage meter date on envelope actually sending check regular mail. 
? Envelope actually placed in mail, If ordinary transit time, NOT XX/XX/XXXX XX/XX/XXXX Check received on Saturday when it can not be deposited. 
XX/XX/XXXX Check deposited, placed on three day hold. 
XX/XX/XXXX Funds to actually be released - 30 days after check received by Chase. 

References to website are to XXXX XXXX XXXXXXXX We are of the opinion that this timeline shows unreasonable delay enabling the lender to benefit from several days of retention of the funds to our detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
I wrote to the 3 credit reporting agencies asking them to re-examine the disputed items on my credit report and to correct the items while the investigation was ongoing. They have yet to answer my request as of this date. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have never had an auto loan with XXXX. I have submitted all the necessary information so this could be verified.

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 2023-09-03
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX & ABILITY RECOVERY SERVICE filed on my credit report on XXXX claiming I owe them when I never received any services from them and have told the company I never gotten any medical help from first responders at all in the last 10 years.

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: 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:
I wrote to the XXXX credit reporting agencies asking them to re-examine the disputed items on my credit report and to correct the items while the investigation was ongoing. They have yet to answer my request as of this date. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2023-09-03
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans never decrease, I am not a fool I know they XXXX  us all over, I went from being provided loans through Great Lakes, I can't remember who they were before that, now they're with Nelnet. They're doing exactly what XXXX XXXX XXXX XXXX did, only with my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: SYNCHRONY FINANCIAL
State: IL
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:
I just so happened to check my credit report and I noticed hard inquiries that I knew nothing about!

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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Recovery Management Solutions LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company called from XXXX, stating that I owed around 1200 in a loan from XXXX that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {XXXX} deposited into a XXXX account that I never had. I called XXXX and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from XXXX and now people are scamming the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..

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 2023-09-02
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX  sold our loan to XXXX  bank. Flagstar bank provided notice on XX/XX/XXXX that the transfer date was XX/XX/XXXX. I honestly just received this notice today which is XX/XX/XXXX. I just feel this is some very short notice as my payment was sent to XXXX  XXXX  automatically on XX/XX/XXXX. I believe they are to provide like 15 days notice. Just trying to hold them accountable.

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 2020-04-15
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:
These accounts still appear on my credit report that are part of my identity theft case.

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