BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, BMW corresponded expressing they are in need of 60 days to provide resolution. 

The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them not 60 days. 

I would like to resolve this matter in a timely manner. Please see attachments below. 

1. Final Notice 2. Conditional Offer HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
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: 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 consumers rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2023-04-17
Company: TD BANK US HOLDING COMPANY
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 had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a target supervisor and they agreed with me that the fees and late status was wrong...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Medical Data Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Scam calls. Do not know my name. 

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 2020-11-25
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX XXXX XXXX because XXXX was paid through XXXX  XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to XXXX XXXX XXXX. XXXX XXXX XXXX, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my credit bureau accounts. XXXX XXXX XXXX then sold my account to another Diversified Adjustment, who marked my credit bureau accounts without any notification whatsoever. This is a phantom debt, and I am being harassed, and I believe that XXXX, XXXX and Diversified, all of whom I will sue, are all working together and in contact with each other, and I cite the following example : Diversified originally had my account on XXXX but waited until a week ago to mark my credit bureaus, XXXX, XXXX, and XXXX. I originally disputed the debt with XXXX on XXXX  and XXXX, but, not XXXX. A weeks ago XXXX withdrew it from my XXXX  report on their own, mind boggling!!! ... 3 days later Diversified Adjustment marked my XXXX  account ... Im going to sue these people as well as whatever ever Consumer Finance does to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and notice multiple inquiries that I did not authorize.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft please remove this fraud inquiry from my 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 explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: CT
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXXXX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my 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 explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Exeter Finance Corp.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Exeter Finance has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, Exeter is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through XXXX have resulted in the information continuing to appear in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
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: Credit inquiries on your report that you don't recognize

Complaint:
The creditor conducted this inquiry without proper authorization, and it must 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted my student loan servicer ( Nelnet ) to update my payment plan. I first called them on XX/XX/ to ask to move to a different payment plan. They told me it was not a problem, they updated it, and it would take 11 business days before it would reflect my new payment plan online. That date came and went and it was not updated, so I called again on XXXX They then told me that it was actually supposed to be a 22 day turnaround ( not 11, XXXX XXXX XXXX was supposed to be the original deadline ), they could not rush my request, and to call back after the XXXX if it was still not fixed. They would not provide me with a reference or ticket number, the rep would only provide me with her first name. The second deadline arrived and it was still not resolved. I waited a couple of business days to give it a buffer, but it was still not fixed so I called for a third time, on XX/XX/. This time the rep told me that during my second call, my initial request was " disregarded '' so it was not processed as it should have been. She allegedly had to get " approval '' from a supervisor to expedite my request ( why, I don't know- it was their mistake so I'm not sure why it needs approval? ). She was able to get approval but reportedly had to call another help desk to make the update to my account. This third call took 4 hours total but did finally resolve my issue. I have attached a screenshot below of the call time right before we disconnected. I want to note that, in the defense of the last rep, she actually resolved my issue and made sure to check on me periodically while I was on the extremely long hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bread Financial, also known as Comenity Bank, has not updated my credit card balances on my credit reports since XXXX XXXX, 2022. I have a Victorias Secret and an Express credit card with this company, in which I paid both balances down to {$0.00}. The Victorias Secret credit card was paid down to {$0.00} from {$670.00} on XX/XX/2022 and the Express credit card was paid down to {$0.00} from {$240.00} on XXXX XXXX, 2022. Another payment in the amount of {$3.00} was paid to the Express credit card on XXXX XXXX, 2022. Ive been work diligently to reduce my credit card debt in order to improve my credit rating for a home construction loan and Bread Financial/Comenity Banks lack of reporting in a timely manner is affecting my ability to make this happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TD BANK US HOLDING COMPANY
State: MD
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:
TD BANK USA/TARGET CREDI Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying since XX/XX/XXXX to do a loan modification with XXXX. On XXXX if XXXX we finally got approved for a loan mod. We were required to make XXXX trial payments reflecting approved amount. Which we did, we actually continued paying that new modified payment for several months. After the three months, all documents were sent to us to get notarized. There was a typo in docs so I requested they re-draw the forms to sign the corrected documents. Flagstar dragged their feet and our file expired because they noted they didnt receive loan docs in time when we were waiting on the to redraw said docs. I would call weekly to check on corrected documents and week after week they told me they were still in process. Until one day our file closed.. 
We were advised to restart the process all over again ( which by this point had taken several months ) so we did. And everything we got close to an approval flagstar would drag their feet again and the file would expire and close because they noted they didnt receive documents needed on time This is completely false. I have emails, and still on the site the days all our document were submitted to them, usually within hours from their request. So we were never late in submitting documents, it was Flagstar never reviewing them on time. And this went on for over 20 months!! We had to restart the loan modification process at least 6 times. We requested the file to be escalated to management several times without any luck or a different outcome. We truly believe, flagstar has and has had ill intentions to not help us resolve our hardship due to COVID 19. And now, they offer us a loan modification that only reduces my monthly payment by {$60.00} a month but adds an additional 15 years to my mortgage making it a 40 year mortgage.. how is that a favorable loan modification??? 
I have tried everything, escalating, speaking to managers, I dont know where else to turn to. We want flagstar to honor the loan modification they approved us for in XXXX, XXXX. Which reduced our payment by more than {$400.00} a month, reduced my interest rate and did not add any additional years to my mortgage. All errors, delays and shortcomings have been by Flagstar. We have acted in good faith, we have been prompt, and diligent with all documents and information we have submitted and yet we stand to be forced to sell our home because flagstar does not have competent personnel or personnel who cares about their customers. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment

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 2023-10-26
Company: Kovo
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX  credit report shows the following : Kovo INC shows balance {$240.00} oppened on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX BANK XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX. someone stolen my new chase debit card. 
And on XXXX person required chase bank sent a new pin code to him and chase did it. 
On XX/XX/XXXX. the person used my new debit card withdrawn XXXX dollars. At the same time I received a message from the chase bank asked me if it was me withdraw the money.I replied no immediately. Then chase told me they would close my card and send me a new card. I dont need to worry or do anything. But my money still taken away. 
So I called the police and had a police report number and filed a claim but my claims were denied time and time again. They said this guy used my pin code to withdraw money. However I called so many times to the bank, they also admitted that they sent a new pin code ( I have a recording ) but this new pin code was not me asking to send, it was the bank 's negligence, they didnt confirmed the id information and sent my debit code to the other person. But now they say it's my fault. 
Then on XX/XX/XXXX. Chase asked me provide police report with details. I took 2 months and I went to XXXX XXXX  XXXX police department ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) to get this report on XX/XX/XXXX. and on the same day I faxed it to the bank, but the bank said he didn't receive it, and then I faxed it again.and they still said didn't receive it. I'm sure all the information is correct, but they just keep lying. 
From XX/XX/XXXX to XX/XX/XXXX, almost five months, I spent a lot of time, energy and money trying to solve this problem. I have no driver 's license and no car and I have a small XXXX. I went to the branch so many times and wanted to ask for their help, but no one was willing to help me. I called the claims department so many times, and everyone gave me different information. they didn't plan to help me solve the problem at all. I cried so many times. This money is very important to our family. I really dont know what to do.

Company response to consumer: Closed with monetary relief