BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I examined my credit report from the three major credit agencies, I was surprised to discover multiple errors. Despite my multiple attempts to resolve the matter with the original creditors and credit bureaus, they continue to provide inaccurate and unverifiable information. In addition, I did not agree to allow the disclosure of my private information. Information reporting affecting me as a consumer is NOT fair and equitable.According to 15 USC 1681, paragraph 602 I have a right to privacy, according to A.

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 2019-03-15
Company: Credit Karma, LLC
State: VA
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:
My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by  decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I authorize the CFPB to act on my behalf I had no clue that this debt was being sent to collections. Under US Code 15 usc 1692g You are in violation of 15 usc 1692g ( b ) ( c ) ( D ). You sold this to a lawyer who went to court and sued me. I do plan to get this case reopened if this is not resolved. You also violated US code 15 usc 1601 i have never seen the contract for this purchase. You also violated 15 usc 1635 my right to recision was violated as well. I was never advised that i could return the car either. You also had some call me constantly saying they were coming to my job which is also a violation of 15 Usc 1692D.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent this company a debt validation letter months ago and still haven't received anything, I even ask the credit bureaus to delete this debt because I have no knowledge of it, the debt amount changes on my credit report every few weeks it seem like they are trying for some kind of accuracy and according to the FTC anything not accurate on your credit must be deleted. each bureau is reporting different amounts each month and I also reach out to them for accuracy all came back verified??? how can that be if they all reporting differently please investigate!! it said {$580.00}, one month then the next it says {$580.00} every time I ask for a validation it changes even on the credit bureaus, isn't that against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: LendingUSA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2023-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for XXXX to delete these fraudulent accounts XXXX XXXX  ( CLOSED ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to XXXX already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
This is the 2nd attempt to get this issue resolved and LexisNexis keeps stalling by saying that they can't verify my identity, which is false because I provide that proof within each letter sent or they respond to a problem that has nothing to do with my complaint. 

From the 1st Complaint- XX/XX/23 Sent LexisNexis a letter asking how they verified a bankruptcy on my consumer report. XX/XX/23 LexisNexis received the letter XX/XX/23 Received letter from LexisNexis stating that they researched with XXXX but did not verify with XXXX XX/XX/23 Contacted Pacer to inquire if they verified the information for LexisNexis XX/XX/23 Received email stating that XXXX  provides access but does not verify for LexisNexis XX/XX/23 Sent a 2nd letter to LexisNexis requesting removal of the bankruptcy on my consumer report as they did not receive verification from Pacer and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 2nd letter Never heard anything back from LexisNexis XX/XX/23 Sent LexisNexis a 3rd letter requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 3rd letter The response was that they could not verify my identity, which again is false as it's clearly shown in the letter attached. 

I then sent a follow-up letter to again verify my identity and request that they remove the item that they did not legally validate and their response has absolutely nothing to do with my request. They are using these stall tactics to avoid doing what they are legally required to act upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm POA for a friend. I have access to her Chase Checking and Savings accounts ( i.e., I can see them when I log into my Chase bank account. ) However, I can not see her Credit Card Account or Mortgage Account. Can you help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: MidAmerica Mortgage Inc
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I called because my mortgage company incorrectly coded my residential home as a condo with a HOA. They incorrectly levied on me a {$2600.00} HOA insurance payment. I called 6 times over the past 2 weeks to get taken care of. They did not refund the money nor update my escrow account. On XX/XX/XXXX I got an escrow statement that says I have a $ XXXX shortage and they have not applied the amount. 

I called again on XX/XX/XXXX 2 times and they transfer me to a manager. Come to find out they are not managers and keep transferring me back and forth. I can not get a resolution of them to fix my loan type and refund the money taken from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: U.S. BANCORP
State: CA
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 opened a US Bank credit card on XX/XX/XXXX of XX/XX/XXXX to pay for college textbooks. I went into US Bank back in XXXX of XX/XX/XXXX to try and pay whatever the remaining balance was. They told me the balance owed was {$210.00} but that I had to call the credit card recovery number and pay them. I called and talked to XXXX and paid what I was told was due but was not made aware there were fees and other added interest. And now there are saying I owe {$320.00} but I cant pay it today because my account is in transition that I have to call back tomorrow and pay it and it wont show for 15 days and then another month after that for my credit score.

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
Consumer complaint received 2023-10-06
Company: Park Hill Holdings
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Eagelhardt v. gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8 I owe no debt this company is violating My consumer right to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my personal information pursuant to 15 USC 16814 Below is listed all third party consumer companies reporting my personal information without my consent I want the rental Judgement in the amount of {$2100.00} XXXX removed from all companies listed XXXX XXXXSafeRent Solutions -Corelogic 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 explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. These accounts must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I called the company Financial Credit Network ( collection agency on behalf XXXX XXXX XXXX ) on XX/XX/2020, I was looking to find a solution for my debt with XXXX  XXXX XXXX since they suit me and is an entry judgment against me. 
I was expecting a high balance but I didnt expect over {$2000.00} in interest and legal fees, I asked for a settlement and the representative ( from Financial Credit Network ) informed me that the company wont settle for less than the original balance in lump-sum, I dont have money to make a lump sum, so I asked for a payment plan since the balance is {$10000.00}. 
I proposed {$2000.00} as down payment and the remaining in payments of {$150.00} per month since that is what I can afford, most during this COVID-19 pandemic, but the representative offered the {$2000.00} as down payment, payments of {$150.00} dollars JUST for the 3 first months and after that they will review my finances in order to change the monthly payment. At the beginning I explained to her that it sounds fine, but nothing promise that my finances will change and {$150.00} is the maximum amount I can pay every month. 
Almost at the end of the conversation the representative admitted that her company can accept {$2000.00} down, {$150.00} per month maximum for the first 6 months and after that the payment will increase the payment to {$250.00}, and the reviews will continue every 3-6months, BUT regardless the result of the review the monthly payment have will increase, she admitted the payment arrangement will not stop interest on the account and she couldnt clarify when this will end. 
The payment arrangement that Financial Credit Network is proposing is just MODERN SLAVERY, what she proposes is to review my personal finances every 3-6 months to verify I have enough money for them and later take it from me and my family needs, she propose to increase the payments EVEN when I advised I can afford {$150.00} and no more because my family needs, she propose me to pay interest over the interest ( never ending ), even she could not clarify WHEN the interest will be over. 
I HAVE to complaint about this illegal practices just because it is wrong what they are trying to do. I declined their payment arrangement because they will force me to pay more that what I can pay. This is not a refuse to pay the debt, I am asking for a payment arrangement with a fix monthly payment and a start date and end date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sent a check to pay off my car to Chase Finance and well it did not arrive on or around the time stated by the payoff date given over the phone. 

So I called and was able to pay off the car over the phone for XXXX on the XX/XX/2023. I asked about the check I sent and the customer support told me since the account would be closed by the time they receive my check they would just send that check back in the amount of XXXX this did not happen they cashed the check on XX/XX/2023 after the account was closed. 

I have called multiple times about this issue and they said the sent a check to me. I have sent them my bank stament showing I did not receive a check from them. every time I call they just say the same thing we will look into it. 

Chase XXXX Thank you for contacting us. We understand this can be frustrating and apologize for any inconvenience we caused. XXXX, we are reviewing your request that you sent to us and we have submitted it to the appropriate department for further review. I advised to check for the status of the initial check and have it resent if no further update is found. We appreciate you being a Chase customer. Thank you, XXXX Customer Service XXXX XXXX XXXX XXXX Original Message Follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 

I will provide proof of tracking # numbers sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX experian # XXXX along with the most recent credit report pulled highlighting all of the inaccurate accounts still reporting along with the previous credit report pulled prior requesting the bureaus to modify and or delete accounts that are not reporting accurately.

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 2022-07-21
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: Investigation took more than 30 days

Complaint:
My account is reported as late from a few years back.

Company response to consumer: Closed with explanation