BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
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:
On XX/XX/2023, at the XXXX XXXX, TX XXXX Dealership, my husband and I went to a XXXX dealership to investigate buying a new vehicle. We told our salesman as well as the sales manager to only do a soft credit check and not to send anything off to any banks. After refusing to buy a car from their dealership, and 3 hours of waiting for some kind of offer on paper, we asked for our keys back to our trade in, and to cancel any proceedings. As we felt we had been treated poorly, and informed them we would be going to a different XXXX dealership with better customer service. After informing us of my fico score of XXXX or so, XXXX hours after we left, I received multiple notifications that our questions and personal information had been forwarded to every bank they do business with, against our specific instructions, and without our knowledge to make it harder for me to purchase a car even from another XXXX dealer. It was done out of spite after refusing to buy from their location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-07
Company: EQUIFAX, INC.
State: CA
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 have been trying to get things off my credit report and it isn't working so I demand these inquiries off : I have tried for so long. I am the consumer and I demand all of these inquires off my report. It is against the law to report on my credit with no consent : 15 U.S.CODE 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
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:
I have been disputing this item know as XXXX  XXXX with a balance of {$210.00} over a year now and it's still coming back as accurate I know this is not true remove this from my credit report it's affecting my score I can't take out a mortgage to buy a new home because of this tradeline.

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 2022-07-26
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:
Equifax informed me ( in the past, after over 1 year of investigations on my part ) that they " somehow SPLIT '' my Personal Credit Report into 2 SEPARATE Credit Reports due to an " INTERNAL ERROR ''. This created 1 NEGATIVE Credit Report that was shared with ( potential and existing ) Creditors, and 1 POSITIVE Credit Report that was " HIDDEN '' from the world. Equifax has continued to erroneously report ( or Delete ) positive Credit data from my Credit Report, but still manages to report NEGATIVE INFORMATION! This CFPB Complaint shows that EVERY SINGLE POSITIVE TRADE LINE which I am an AUTHORIZED USER ( AU ) of, ( including Terminated but still Positive AU status tradelines ) has been REMOVED from my Equifax Credit Report, yet still REPORTS ON THE 2 OTHER CREDIT BUREAU Reports. These positive AU Tradelines SHOULD BE REPORTING, as the AU Creditors are telling me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX. This is a CLEAR indication to me that Equifax CONTINUES to attempt to ILLEGALLY SUPPRESS my Positive Credit History and has been doing so for more than 3 YEARS. I will now list all Positive AU Tradelines that Equifax has removed or is illegally attempting to suppress from my Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: RoundPoint Mortgage Servicing LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis statement last week that said my mortgage would increase $ XXXX. due to an escrow shortage. The letter does not explain what's amiss, but it shows a projected bi-annual payment of {$5100.00} and {$430.00} for XXXX. I have a Homestead exemption, which decreases the annual amount significantly. For example, my latest bi-annual tax bill is for {$430.00}, and my Homestead exemption decreases my annual taxes by {$620.00}. The total taxes on my property for XXXX is {$1300.00}. So, even if I had no exemption, {$5100.00} is nearly than FOUR TIMES what I would owe. No one has been able to explain this. 

I've made three calls in the last three business days ; I spoke with XXXX  twice ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) once. I sent them my latest tax bill, which I'm sure they already have. Neither has been able to explain why my payment is increasing drastically or how what I owe and paid in taxes is so different than what's in their analysis, but they've said on each call that they will escalate the matter and I should receive a call within 24 - 72 hours. What's more, XXXX said he hadn't seen that XXXX escalated the matter, so he would escalate it himself. That's the THIRD escalation in three business days ... with no assignment, phone call, or explanation.

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 2023-01-07
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date XX/XX/2017 exquifax allowed XXXX XXXX to furnish a charge off account. 
Account : XXXX I have never signed any written document that i owed this debt to the collector. This is an infringememt to my right of privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and a disregard for permissable cause as well as not following my written instruction pursuant to 15 USC 1681b ( a ) ( 2 ) I do not know who they are and have not verified that i owe this debt to alleged company please have this removed all three bureaus XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Colony Brands, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is showing negative on my credit, and it should not be. Account paid on time, and it has been paid in full. Also, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15UC1681 section 602 that states I have the right to privacy ; 15UC1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose. Can you please have this negative reporting removed from all 3 credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is regarding Syncb Bank for Jcpenny and Walmart. I have tried numerous times to resolve this debt with Syncb bank to either settle this out with them or pay this off. They have refused to accept any money for these accounts due to them stating they have sent me a 1099. I have requested for the 1099 to be resent to me because it was sent to another address which I do not live at. They refuse to accept any payment from me. I find this to be crazy that a financial institution refusing to accept payment for any account. 

Attempted on XX/XX/2021,XX/XX/21 and XX/XX/21to resolve this outstanding debt. 

JCPenny Account Number XXXX {$2200.00} Walmart Account Number XXXX {$1100.00} Please assist me with this issue

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The company had a data breech in XXXX  and were suppose to send out emails or mail letters stating there was a class action lawsuit yet they never reached out to me. Ive been a loyal member for a few years now. They should have reached out to me. I am now hearing about this which isnt fair. They did not reach out to every customer only a hand full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-07
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2021 I signed up for XXXX XXXX and tried on a pair of XXXX XXXX for a trial. I returned the items on Saturday XX/XX/XXXX, one day before the trial ended. On XX/XX/XXXX they charged me {$160.00} because they said they never received the item. This was almost three months after I returned them. I contacted my CC company, Chase, and they will not dispute this charge for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

The letters are stated with items and issues.

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 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 2023-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I rented a car in XXXX through XXXX XXXX and XXXX XXXX rental from XXXX to XXXX. I paid for the rental in full at pick up using my Capital One Credit Card. I returned the car on time. 

When I returned the car, nobody was present at the rental desk to accept the car. So, I parked the car in their lot and left the keys inside. 

The car rental company than charged my card {$100.00} for returning the car XXXX day late. This was a lie, as I returned my car in on time on the scheduled return time of XXXX. 

This was an unauthorized charge by me. The rental car company should not have had access to my credit card number after I paid for the rental in full at pick up. Capital One should not have processed this charge and owes me a credit of {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The derogatory credit shows on my report. The account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am not able to give exact dates or names. I have been having housing issues as a tenant at a residence from XX/XX/XXXX until XX/XX/XXXX at which time I was purposely evicted. I am still not able to find a place to live because of intentionally filed eviction against me. To add to that entry into my credit file, Navient had and continues to still have negative entries of non payment added to my credit file and that is done in a monthly basis. There are no hardship forgiveness nor any other options for people such as myself who are without housing or who are having such an economic issue like or similar to mine. The only option they have is to repay a student loan no matter is it will make you become deeper into a living hardship while still living without a place and homeless. 
The late fee and rates are even worse. All of that hurts me more. 
Please add me to the class action lawsuit against Navient. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am getting at least one email a day from Resurgent Capital services stating I owe from a previous debt and there has been a countdown stating how long I have until a possible lawsuit. 

This company also uses shady business tactics by hiding who his sending the emails by using a first name as the sender instead of the company, probably to trick people into thinking somebody they know is trying to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
One unauthorized transcation be made on XX/XX/XXXX, it is a international wire transfer and total amout is {$2400.00}. Called the bank iimmediately on XX/XX/XXXX night and claim a dispute on XX/XX/XXXX. Per branch employee, this is not a fraud or identity theft, it was a system/ operation mistake that bank sent the funds for someone else 's wire transfer request from my account. I was told the funds would be refund within 10 business days and I called the bank and visited the branch couple of times, but no result. It's been XXXX weeks after transcation be made and the funds has not been returned to my account yet.

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 monetary relief