BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Experian Information Solutions 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} 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 2023-11-28
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Pls refer to case # XXXX A Tesla rep called and offered credits for the early termination of the lease. 
The rep Never stated ( calls were recorded by Tesla ) that these credits weee to be applied regardless of when the vehicle was returned In fact ( recorded on the calls as well ) he was pushing for an early return of the vehicle Never was it stated that these credits would offset by any early return of the vehicle.. 
In fact these credits with the companys action dilute the effectiveness of the credit given scamming consumers out of moneys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MO
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:
17 months of on time never late payments to XXXX and refuse to give them back and you can clearly see these company is predatory and a fraudulent company experian. FIX MY ACCOUNT

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX, Dept of Ed XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a 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 has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to fews purchase a home but ERC is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XXXX XX/XX/XXXX I was involved in a vehicle accident that totaled my XXXX XXXX Infinity vehicle I had just purchased in XX/XX/2019. I had a lease on this vehicle and then refinanced it to purchase it at the end of the lease. Because of this, i was not advised or informed by the bank ( Infinity Financial ) I would be losing any gap insurance protections. 

As the car was declared a total loss, my insurance company only paid out approximately {$21000.00} as they claimed that was the value of the car. My loan balance was XXXX, therefore I have a deficiency balance of {$8000.00}. I understand I am responsible for this balance, as tragic and unfair of a situation as this is. 

However, the problem with Infinity Financial is that we had a deal that my monthly car payment would be {$470.00} a month. I have been ONTIME with my payments, even after the car was declared a total loss. They are co-ercing me into paying them the full remaining balance in one lump sum, monies I keep telling them I have no access too. If I had the ability to just write a check for {$8000.00} ... .well I wouldn't be here. 

Everytime I speak to them it's a nightmare. They insult me and threaten me with credit reporting damage and promise me this account will go to collection if not paid in full by XX/XX/XXXX. I don't understand how I'm supposed to come up with $ XXXX However I can still continue to pay {$470.00} a month until I am able to secure a loan for {$8000.00} to pay them off. 

The sad part about this, is I am willing to pay the {$8000.00}. I just need TIME to secure financing from a local credit union here in town that will give me a personal loan to pay off Infiniti Financial. However, there threat of negative credit reporting will completely render me unable to obtain this personal loan as it is a requirement by ANY lender that I have a good credit score to qualify. If Infinity Financial makes good on there threat of ruining my credit, well then I can't possibly borrow money from my credit union to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I took out a reverse mortgage several years ago. I still live in my home which I purchased almost 29 years ago. Each year the mortgage company - PHH Reverse sends me a Certificate of Occupancy and I have filled out the form and returned the form to PHH in the envelope provided. I received a Notice of Default in XXXX of this year ( 2023 ) which demanded that I pay the entire outstanding balance of my mortgage ( reverse mortgage ) to cure the default. I tried calling PHH several times to see what the basis for the default was. I was unable to get any information or resolve the issue so I have had to hire an attorney. I just learned last week that the reason for the default was that the lender determined that I " was no longer an occupant '' because they had not received the certificate of occupancy form. I looked on the PHH website for the form, and the form is not available. I can not simply download the form and send it in again and cure the default. Instead of reaching out to me to verify occupancy, or notify me that they had not received the form, and provide me with another form and the opportunity to prove that I still live in the home, PHH filed a Notice of Default demanding that I pay the entire outstanding mortgage. I do not work, I can not simply go out and get another mortgage to pay off the amount ( ~ $ XXXX ) they claim is now due. I have tried calling PHH several times. I have not been able to get through to anyone that has the ability to resolve the issue or offer a viable solution to address their baseless claim that I am no longer an occupant. 

PHH has made up a reason to take my home of 29 years. The Notice of Default is not based on my default or any violation of the terms of the reverse mortgage. I continue to and have continuously lived in my home for all these years. I am over XXXX years old and if they take back my home, I will be homeless. I have limited means and this will cause me more hardship as I try to resolve this with PHH and save my home. The current foreclosure proceeding has also damaged my good credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The XXXX XXXX XXXX card that is a Bank Of America prepaid card ; would have an atrocious customer service team. 

I have been waiting for months and months ; since last year for my backpay unemployment pandemic benefit. 

It is is very much challenging and all that NJ Dept Of Unemployment Insurance ; as well as Bank Of America can do is play games with a nice woman as myself. 

They owe me way more than {$3000.00} and then to take away my benefits where I am left even more stranded... .would be cruel and harsh treatment. 

Additionally ; I have permanent XXXX  injuries and to go through this aggravation is not fair and its not deserving. 

I will have to stop using business services and their companies ... .if they continue to hire incompetent, jealous haters aka cancel culture groups that have no idea that what they do ; will come back at them even worse. 

I am still waiting for my good karma. Its not a higher spiritual being that is blocking my good karma... .its evil people.

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 2023-06-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Somebody opened an Amazon Store Card in my name and has been charging it and billing it to my address. On XX/XX/XXXX I received a bill and was made aware that this was occurring.

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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 opened a dispute with XXXX because of issues with their dispute decisions on accounts that were opened in my name. The accounts in question literally were opened when I was very much so under the age of XXXX, its not even possible for me to have opened these accounts but theyve told me that these have somehow been 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 2022-12-22
Company: EQUIFAX, 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 XXXX Equifax Account # : XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Equifax Account # : XXXX According to the irs publication the lender must file form 1099-c and send a copy to you if the amount of debt is more than XXXX dollars. If the charge off is over XXXX dollars is reporting to your consumer report they are commiting tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Transcontinental Credit & Collection Corp
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX a collection agency re an alleged XXXX XXXX Debt. I disputed it via XXXX XXXX. XXXX never responded. It then appears that the debt was then sent to the 3rd collection agency XXXX. I then disputed the debt with their office within 30 days and requested they validate the debt with invoice and contract. They are reporting negative information to my credit bureau. They responded only with an invoice that does not detail the debt nor does it prove that I owe the money. There is no contract attached, and the 30 days has passed

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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNXXXX XXXX  {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: BlueChip Financial
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Payment arrangement set up with company to pay $ XXXX  monthly @ {$110.00} which was withdrawn on XX/XX/18 Today taking {$150.00} out in error and can not stop the deduction per company

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Have been trying to access my loan information but the site has been since XX/XX/! Due to an emergency replacement of our HVAC, I want to request a one-month forbearance. 
Website is down, mobile app is down. Calls are answered with, " We are sorry but our agents are unable to access your loan information at this time. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. They also continued to contact me even after i sent them a certified letter telling them not to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX,2017, my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of {$3600.00} to credit bureaus.These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. Hunter Warfield inc, should ensure this information is correct prior to submitting it the credit bureaus as this is affecting my approval and credit score which costs me greatly in higher interest rates. Additionally, this collection agency may not have the authority to collect on said alleged debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have XXXX CITI Cards- XXXX for XXXX XXXX and the other for XXXX. Recently they lowered my credit limits on both cards to the point of where my credit cards were now right at their limits. What this means for me is that when they add their interest, each time it takes me OVER the new credit limits they moved me to and are reporting that action to the credit bureaus!!! Up until now I have been making my payments on these cards, true a few may have been late but they were paid inside the same month. I was furloughed for over a year and continued to pay them without asking for any type of recovery or forbearance. 
This appears to be a very unprofessional way to do business and my credit rating is suffering because of it. Until now I have been over XXXX for years and for the first time have dropped below that level due to this hidden money making scheme by CITI. 
Due to this I am in the process of having to take out a Home Equity line of credit to protect my credit. The good news if there is any, I will be closing out any accounts I have with CITI and staying with XXXX XXXX and my own bank card.

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