BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: KY
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 requested an investigation of my accounts was not done correctly, or In Accordance With the Fair Credit Reporting Act. These accounts can not be reported as being open And closed at the same time monthly. These accounts need to be deleted because it is damaging my credit. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, they are show inaccurate information. XXXX XXXX XXXX Account # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX. Correct Name : 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 2023-01-31
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell you to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 
XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX GM FINANCIAL Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report. 
I request you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters. 
This copy must be provided free, according to 15 USC section 1681j. I request that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681 of the Fair Credit Reporting Act, Civil liability for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I attempted to dispute a derogatory mark on my credit report for FAIR COLLECTIONS & OUTSOURCING through the XXXX website and was unsuccessful in submitting my dispute. There was a message stating that my 'dispute submission failed '' due to the fact that I have already filed a dispute for this item. I called exprian to requested proof that this debt is valid and they instructed me to contact the creditor, which I have been unsuccessful in getting debt validation from them as well. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, FAIR COLLECTIONS & OUTSOURCING has violated my rights as a consumer and Im requesting legal action to remove this account 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 explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
Consider this as a follow-up to my prior complaint on XX/XX/XXXX. There are items in my credit file that are erroneous and needed attention. please block or remove these items in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX The addresses listed are not my home address, The account is inaccurate and fraudulent. XXXX seeking XXXX. The inquiries are unauthorized and fraudulent. Please delete the items at once.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is information from XXXX XXXX ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank required {$1000.00} in direct deposit for 3 months. {$1000.00} in direct deposits were made to the bank for 3 months. Award was meant to payout in XXXX. 

XX/XX/21 : Sent message through online portal, no response. 

XX/XX/21 : Called main Bank of the West line ( XXXX ), transferred to local bank, who said they will " look into it '' and send an email the following day, received no further communication.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I have been a victim of identity theft please help me

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 2019-05-29
Company: Stevens Business Service, 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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MA XXXX Failed to contact me about a debt, has no record of contact. I called today after noticing collection on credit report, and verified that they have no record of having contacted me. 

Claims to be in relation to a gas bill. Can't find record with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
The following credit inquiries were not made by me : XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I believe it is fraud and want them removed immediately and indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have my boat loan with Yamaha Motor Financial company. They have terrible costumer service for one. And two, I have my account set up with auto-pay. My bank does a 5 day check payment, and only withdraws the money once the payment has processed with the payee. Yamaha is claiming they did not receive my payment until 2 days after the due date, and now charging a late fee. My bank statement shows that my payment posted with Yamaha on the due date. I submitted my proof with Yamaha and they are still refusing to reverse the late fee charges! I HAVE PROOF of payment on time!!!! Yamaha is TERRIBLE!!!! 
*I also make larger payment amounts, not just the minimum payments. Oh, and double payments. So, tell me why they won't reverse their mistake on an account that is an upstanding one??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently the debt collection agency Americollect reported a collect account in the amount of {$660.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted Americollect in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such Americollect continues to report negatively impacting information to my credit profile. When contacting Americollect via the phone on XX/XX/20 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to Americollect. As of XX/XX/20 Americollect has not validated the debt as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

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 2023-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called the bank to report fraud under the claim number XXXX on my card ending in XXXX, all transactions starting on XX/XX/XXXX until the card was locked on XX/XX/2023. 
The bank provided provitional credit and approve all transactions except all were made on XX/XX/XXXX ( all in XXXX, XXXX ) a city that I never been. 

I was In XXXX and the card was lost but in XXXX. 
I reopened the case but until today I dont have any update, there are {$340.00} that must be reversed by the bank for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Adjustment Bureau sent me a letter claiming I owed a debt to XXXX Hospital. I have not/will not use XXXX nor their affiliates due to past experiences. I spoke with American Adjustment Bureau to find that the supposed debt was my husband 's for an XXXX. XXXX failed to bill his insurance company, XXXX XXXX. I sent all information to American adjustment Bureau 2 months ago and heard nothing back from them. XXXX XXXX sent a letter verifying that they paid this bill and that XXXX had charged the wrong account previously. Again, I received nothing from American adjustment Bureau. I only found that they reported my so-called bad debt when I checked my report because I am trying to rent an apartment so that I can move my XXXX-year-old grandmother in with me so that she can avoid being put into a nursing home. I have paid my debts and I have worked hard to repair my credit. XXXX Hospital does not send out bills to patients, they just send their information to these goons who don't do their job either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I initiated a payment with Nelnet on XX/XX/23 in the amount of {$680.00}. The payment was withdrawn from my XXXX XXXX checking account on XX/XX/23. I have provided Nelnet with the bank statement and Nelnet payment confirmation email. The payment was no applied to the student loan as instructed. I have contacted Nelnet every day from XX/XX/23 to XX/XX/23 and have been told either someone will call me eventually or they have no record of my payment. It is important to note I canceled a payment of {$680.00} on XX/XX/23, as I keyed in the incorrect amount. I proceeded to initiate another payment ( the one in question ) for the correct amount of {$680.00}. After submitting documentation via email multiple times, Nelnet is stating to send in the documentation again. I am making no progress with Nelnet. Nelnet is also asking me to provide Personal Identifiable Information ( PII ) such as my name, date of birth and account number via email. This email is not secured and sending PII through unsecure technology is not a recommended practice. I am asking that Nelnet fix the error at hand and apply my payoff to the correct loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by Transunion and/or accepted by Transunion despite they knew now the fact that collection was in violation of the FCRA by Transunion and the collection. Transunion blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. Transunion added an unthorized address to Mr. XXXX credit file. Transunion knee that XXXX already deleted that collection that violates the FCRA.When Mr. XXXX found that Transunion blocked him from using the Transunion online dispute process ( Transunion in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because Transunion knew if they let Mr. XXXX   to use that online dispute process without restrictions he would win and Transunion would had deleted that collection by now. Transunion now is served through this platform the attached files that were already sent to Transunion by they trashed them or ignored them and Transunion to explain why they did that in violation of the FCRA.Transunion must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX   specific Transunion credit report number. Included also the name of the collection. A XXXX XXXX   banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX   to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXXXXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and Transunion must delete that collection or face serious legal consequences.

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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a new account appear on my XX/XX/XXXX account. I then called XXXX fraud department and spoke with them as I did not apply for the XX/XX/XXXX card and they applied on XX/XX/2023. XXXX advised me that they will cancel this card and to reach out XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXXto obtain alert. On XX/XX/XXXX I a alert that a Capital One inquiry was noted on my credit report and some had just applied for a credit card. I reached out to capital one and cancelled the application and reported it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I was told when I attempted to make a deposit that Chase had decided to close my account and no longer do business with me. I had written {$7000.00} worth of bills/checks against this account. Today they told me they closed my account on XXXX. No written notification was given and me and they tell me they will not reimburse me for bad check fees and charges that I will incur because of their action. I as you know have been fighting them for XXXX XXXX years over mortgage modifications and the fact that they illegally foreclosed on me in XXXX. No one helps me at Chase. They deny they have done me wrong and it just continues. Now they are do to foreclose on my property after not even posting the foreclosure notice on the house or notifying me in writing. PLEASE HELP!

Company response to consumer: Closed with explanation