BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX XXXX XXXXXXXX. Please 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: IA
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 a FEDERALY PROTECTED CONSUMER XXXX XXXX XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX XXXX XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by AGREEMENT, XXXX XXXX XXXX can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority XXXX XXXX XXXX do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an EXTENSION OF CREDIT, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. ANSWER THESE IMPORTANT QUESTIONS XXXX XXXX XXXX. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX XXXX to report negative information to a consumer reporting agency, XXXX XXXX XXXX maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX 'S policy does not supersede Federal Law. I am demanding this charge off be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX received payment in full for {$540.00}, XXXX XXXX XXXX has no right to attempt to collect it again ; and your verification method is in error ... I contacted original creditor and was told that they did not verify this paid debt as being owed to anyone ... and they said you are probably using e-oscar which often report false or settled accounts ... litigation will follow, if it isn't corrected ... F.C.R.A. law has been violated

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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Ive been a customer for a long time with capital one I fell on hard times and was late in XXXX I asked for them to remove late As goodwill. Im trying to purchase a home yet still havent heard from them and its been past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Nelnet student loan services did not properly inform consumers regarding placing commercial student loans into forbearance during the COVID-19 pandemic. Nelnet representative stated while federal student loans were automatically placed in forbearance consumers would have to call Nelnet and request to have commercial loans placed in forbearance. Consumers would find out about commercial loan forbearance only if a call was placed to Nelnet by the consumer. My commercial loans were placed in forbearance and is still reporting more than 120 days late. I have tried numerous times speaking with Nelnet representatives to have the late inquiries brought current on my credit report as my federal student loans have been without success no assistance regarding what needs to be done to expedite the process. I spoke with XXXX in the solutions department who states he will file a consumer complaint on my behalf regarding my concerns. This representative was not informative nor helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the XXXX major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called TransUnion after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX  there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a car for 36 months and made lease payments through Chase Auto. I made all payments on time and returned my vehicle to a local dealership after the lease was up. The dealer said there were no problems with the car and signed paperwork to confirm I returned the vehicle. Attached is paperwork from the dealer stating there was no collision damage or vehicle abuse. A few weeks letter I got a letter from Chase Auto stating that there were {$10000.00} in damages and had an itemized list. None of the damages made sense including broken headlights, dings, scrapes, chips, etc. I asked for photos and for MONTHS they just continued to send letters and call me without sending photos. They tried collecting less and less from me each time acting like they were " forgiving '' me for some of the debt, meanwhile there should have been none in the first place. FINALLY they send me photos of the vehicle which essentially showed XXXX of the damages they described. At this point it is just my word against theirs and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 fraud accounts on my credit that are reporting. these are accounts are not my accounts. My identity was stolen and use to open these accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted several times back-to-back from a debt collector saying they were XXXX XXXX XXXX. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, 2019 I sent a certified letter to XXXX, XXXX and Experian informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.

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 2023-03-02
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 information incorrect

Complaint:
Agency needs to remove student loan from report due to incorrect information.

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 2023-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent them a letter on XX/XX/2022 requesting verification and received no response. I believe they don't have the legal right to collect this debt or own the debt. They also did not show me any information from whom they are collection from or any documents with my signature on them. They threaten potential legal action without offering to provide all required document. I believe they are trying to collect on unsubstantiated debt and collecting on debt without providing required documentation and disclosures to me. I also believe Portfolio Recovery Associates failed to properly investigate and resolve my dispute. They also reported it on my credit report and I want it fixed and removed. 

I have included the letters I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Avadyne Health Holdings, Inc
State: MI
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:
I contacted XXXX XXXX XXXX XXXX about a payoff of the medical bill that I owed to XXXX XXXX XXXXXXXX XXXX. She gave me a verbal and a written letter as to the total if I paid it by such and such a date I mailed my payment in and it was 5 days late and they cashed the payment and agreed to the amount, but in the mean time placed a collection on all 3 credit bureaus, XXXX, XXXX, and XXXX that will now stay on for 2 years. NOT Fair and there is no law that says they have to report anything.

Since then they have not tried to contact me at all so the money was good to close the account but not to stick me with that on my credit.

This is affecting my chance to obtain a loan.

I want all references of this to be removed from my XXXX, XXXX, and XXXX credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
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:
Immediately delete these accounts because I asked for sufficient evidence from each company and the XXXX window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took mortgage loan and Escrow with Lakeview Loan care company in XXXX. The escrow team over paid property tax close to {$9700.00} to XXXX XXXX in XX/XX/XXXX. I raised multiple complaints to Lakeview customer care to get this refund but till now I am not getting proper response. 

Lakeview customer care tells me that XXXX XXXX is not releasing the funds. When i asked XXXX XXXX, i get response that Lakeview Escrow team should request for refund and they have been contacted to raise refund request multiple times but Escrow team failed to raise that request. I don't know who is telling the truth but my money is not refunded till now even after multiple calls and complaints to Lakeview. 

Note : XXXX XXXX told me that I can not raise this request as i am not the one who paid the tax. 

Complaint numbers raised in Lakeview customer portal # 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