BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: PA
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Credit acceptance corporation ordered scam tow companies to illegally search and seize my vehicles. Credit acceptance corporation superseded rule of law and XXXX XXXX XXXX  by seizing the vehicles without first obtaining the writ of execution to submit to XXXX XXXX XXXX  Credit acceptance corporation was supposed to fill out OS/SS-99 ( R8/15 ) instructions for default security agreement and OS/SS-55 ( R8/15 ) notice of seizure of motor vehicle with the writ of execution attached and send it over to the repossession and title department in XXXX XXXX XXXX but did not. They are engaging in vin switching/cloning, stolen car scam and salvage switch. They couldnt get a title for my vehicle so they got a title in New York. I have all of their strategies, tactics and methods. I want to sue them and I will give you all the information you need on credit acceptance corporation. No court decided a contract between myself and credit acceptance corporation to be enforceable. Credit acceptance took advantage of me like they are doing everybody in the low income community. But I have their methods. The attorney general here already started suits against them for deceptive practicing, unlawful repossession and amongst other things. Credit acceptance corporation not acting alone, it is also the tow companies and the auto auctions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Saying I owe loan and harassing me day night at my place of work causing numerous stress threatening me with lawsuit and jail time and or arrests. Harassing my family calling them in another state day and night. I asked them kindly to take off loan thags in my name they would not. Opportune loans has done nothing but have shady business dealings. They called me day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Comerica
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 applied for a credit card from XXXX  XXXX  and they checked my credit numerous times I was on hold a few hours with XXXX XXXX XXXX I was not resent my approval also they mailed me over several credit decisions and XXXX XXXX ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with XXXX  please keep this private.

Also I submitted a complaint with the XXXX  against direct express Comerica Bank for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2023-06-19
Company: NEW YORK COMMUNITY BANCORP INC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought the house XX/XX/XXXX. My mother lived with us due to XXXXXXXX XXXX. In XX/XX/XXXX, she became to sick to care for at home anymore. She went to a XXXX XXXX and within 3-4 passed away due to neglect of the XXXX XXXX. During that time, not only did we lose the extra income, but I was responsible for the payments of the home and then the funeral. We had also be doing some home renovations that had to be completed. 
In XXXX XXXX, I spoke to a rep at Flagstar to have see what my options were for the missed payments. They placed me on a short-term repayment plan. I was scheduled for payments to start on XXXX, and would auto-draft from my account. At the beginning of XX/XX/XXXX, I noticed the first payment had not posted yet. I called and was told that the banking info was not entered correctly and it defaulted my payment plan. They would not get the correct info and try to draft. I was not qualify for a repayment plan then. I would have to apply for loss mitigation. 
I started the loss mitigation process with Flagstar in XX/XX/XXXX. I filed my documents on their website on XXXX. They were due on XXXX. When I called to make sure they received, they told me I did not get them in on time and I would have to start the process over. 
XX/XX/XXXX started over. XXXX was due on XXXX. Uploaded to their website on XXXX. Called Flagstar that day and spoke to rep who stated I would need a letter explaining some of my income. Uploaded the letter while on the phone with rep. 
Received letter from Flagstar end of XX/XX/XXXX stating that I had been approved for a trail plan. They had raised my interest rate from 2.375 % to 5.25 %, note from {$1300.00} to {$1500.00}. I spoke to rep on XXXX. I explained everything all over again and asked how I was supposed to pay XXXX XXXX  if I could not afford XXXX XXXX She spoke to someone in loss mitigation who stated that there was nothing they could do. I could appeal or start another loss mitigation. 
I uploaded that same day a letter of appeal. Did not hear back again until XX/XX/XXXX a letter stating that the appeal for a loan modification program had been denied. 
The next thing I receive is a letter from lawyer/collections. I have since then been sent foreclosure notices. I have retained a lawyer who stated that Flagstar has been apart of multiple lawsuits for not helping in these types of situations.

Flagstar has purposely delayed because it means more money if they go to foreclosure than it would if they approved a loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: WI
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 2ND endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-01
Company: Experian Information Solutions 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 am writing this complaint without the assistance of any third party company. I am writing this complaint from my understanding of Federal Law that Experian is in violation of furnishing unauthorized information on my consumer credit report WITHOUT written instructions of the consumer to whom it relates ; XXXX XXXX XXXX. On XX/XX/2021 I mailed a notarized Affidavit of Truth highlighting several facts of violations that have occurred against me, the consumer. I have attached a copy of the affidavit of truth. The tracking for the certified affidavit ( tracking number : XXXX ) confirms the Affidavit of Truth was received by Experian on XXXX. Experian is in violation of reporting any information on my consumer report without written consent for me, the consumer. Additionally, Experian is reporting several inaccuracies on my consumer that I have disputed on XX/XX/2021 ( CFPB complaint # XXXX ) and XX/XX/2021 ( CFPB complaint # XXXX ) and both complaints have been ignored by Experian. If the consumer reports inaccurate information on said consumer report, the XXXX XXXX XXXX is required by law to remove the item from the consumer 's report until an investigation is completed. I have disputed this several times and never once has these been removed from my consumer report until the investigation is complete. It is the responsibility of the consumer reporting agency to only report true and accurate information. This is a violation of my consumer rights and I demand that Experian cease reporting any negative or harmful information on my consumer report as no written consent was ever given by me, the consumer. I received a response in the mail from Experian on XX/XX/2021 in response to my affidavit of truth which contained several violations and inaccuracies as the letter referenced an account that was never on my consumer report. Experian is failing to furnish accurate and true information on my consumer report. Based on my understanding of applicable laws ( 15 U.S Code 1681b, 15 U.S Code 1681s-2 and 15 U.S Code 1681e ( a ) ) which is federal law, these negative items should be removed from my consumer report. I am a victim of aggravated identity theft because again, there was never written consent given by me, the consumer to report this information listed below : 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 2023-01-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank Checking account holder encountered several fraudulent transactions from XX/XX/XXXX to XX/XX/XXXX. This was brought to the attention of the bankers at the Chase Bank Branch in XXXX XXXXXXXX XXXX  on or around XXXX XXXX XXXX Included in these transactions were seven fraudulent new check book printing requests made with seven separate fraudulent charges of {$41.00} for each fraudulent transaction made on the account. The account was frozen for debits at the request of the account holder, pending credits to be claimed for the seven fraudulent {$41.00} transactions. Since the time of the first request, account holder has been to the branch three times, interacting with XXXX XXXX and XXXX XXXX on three separate occasions, spending several hours during each visit. Account holder was promised a credit, but to date, i.e. XX/XX/XXXX, no credit for the fraudulent transactions allowed by the bank has been given. In this period, on XX/XX/XXXX, Chase Bank unilaterally, and without authorization from the account holder, closed the said account and sent a check for the proceeds in the account without giving credit to account holder for the seven fraudulent transactions. Account holder is asking : a ) Why was account closed without authorization? b ) Why was credit for fraudulent transactions not given when it was due to oversight on the part of Chase Bank? c ) Why was claim not submitted by Chase Bank to get a credit for the seven fraudulent transactions amounting to {$290.00} ( XXXX X XXXX ) in spite of account holder interacting with Chase Banker XXXX and XXXX XXXX on three separate occasions? Kindly help me get a credit for the said seven fraudulent transactions amounting to {$290.00}, and make me whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERVICES at XXXX & XXXX keeps sending me invoice due for amount of {$110.00} to XXXX XXXX XXXX XXXX. 
Insurance was paid through XXXX and then canceled on this date. 
Recently the Credit company lowered the amount owed to half {$57.00}. 

They have NO DESCRIPTION for what the amount is owed for!!!! 
Because there is NO DESCRIPTION!!!! 

Currently the account is on Temporary hold until company gets more information from XXXX XXXX takes about 7 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: MI
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 nameXXXXXXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the XXXX XXXX in XXXX 2019. The company is still reporting the account as 30 days late

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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