BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is refusing to remove a debt of {$180.00} from my credit report. 

They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error. 

However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report. 

Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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 Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - XXXX XXXX XXXX # XXXX XXXX  Status showing Active Open account inaccurate data - XXXX XXXX # XXXX Show account balance on a closed write off account inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received several flyers in the mail from these people and a number of phone calls inviting me to apply for loan if I ever saw the need arise .. . s    XXXX   XXXX   XXXX     borrowed  XXXX  from Tower Loans to pay income tax ... was told there would be no early pay-off interest/penalty should I decide to pay it off early ... the terms were  XXXX  for 26 months ... 30 days later I paid the account off in full ... today I received a notice I still owed  XXXX  in interest for using their money for 30 days ... or 35 % ... nothing of such was disclosed during the signing of these loan documents ... these people are rip-off  artist  ... it is a good thing I did n't spread this out over the entire 26 months I would have paid additional thousands in undeclared interest ...

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 2022-04-28
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

1 XXXX XXXX XXXX Bank XXXX XXXX Account # : XXXX, 2 ) XXXX XXXX XXXX Account # : 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 2023-10-10
Company: CITIBANK, N.A.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these inquiries : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
CITIBANK NA., BEST XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  All Banks XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXX CBNA  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing

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 2023-10-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX ) XXXX RXXXX XXXXnquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on 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 2017-05-19
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, we received notice about a cancellation fee from XXXX through a debt collection agency. We did not know about the bill. We paid the bill both to the debt collector and XXXX and received a credit from XXXX. Then in XXXX we received notice from a different collection agency about the same debt. We asked for written information from diversified which we never received and also contacted XXXX who said that we didnt owe anything. Now it is on our credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Associated credit services has called my number multiple times a day for several months asking for XXXX XXXX. My name is not XXXX XXXX and no one lives here by that name, despite me telling them this multiple times and requesting for them to stop calling. They are still calling. They just called again this morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
SunTrust, now Truist, bought my mortgage from the originator in XXXX of XXXX. They did not assess the loan after purchasing it, paid the property taxes and let an escrow shortage continue for 10 months. This has resulted in a {$5700.00} escrow shortage that is due to increase my mortgage payment by over {$730.00} per month on XX/XX/XXXX. They offered to stretch the shortage over 24-36 months ; however, because of the initial shortage due to the originator not calculating for taxes increasing ( that issue is being handled with them in a separate forum ) and what they want, it will still be an increase that I can not afford ( $ XXXX per month ). The associates in the collection center and payment solution center will not let me speak to a manager, continue to pass the buck to different departments, try to deflect the conversation to them not getting an insurance policy from my carrier and are not noting my account of our conversations despite calls supposedly being recorded. Additionally, Truist continues to push me towards a refinance which they stated would raise my interest rate and payment even further.

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 2023-09-28
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a domestic USD wire transfer from XXXX XXXX XXXX. The Intermediary bank is JP Morgan Chase. Apparently I entered the incorrect information into the wire and JP Morgan Chase couldn't deliver it, so instead of returning it to XXXX XXXX Bank. JP Morgan Chase just kept it. Did nothing. Nothing, so now we have to formally request an investigation and a refund of the wire transfer. There is no timeline on this. Could be 5 days, it could be 50 days. I hope it's sorted quicker but if the bank just decides to keep it in the first place do you think they're going to return it quickly upon request? To me this is theft. It's been 7 business days and Chase has done nothing with the money. It's in some spot in their bank just hanging out, earning interest for them, without any regard the the end consumer. We were going to use this money to buy a house next week. I mean my XXXX. My mistake sure, but then when you can't deliver it, return it. That's what the XXXX XXXX XXXX does when they can't deliver a letter. It's what any reasonable person would expect to happen. The routing number for Chase is XXXX. 

Detail Information of ACH Routing Number XXXX Routing Number XXXX Bank JPMORGAN CHASE Address XXXX XXXX City XXXX XXXX  FL ZIP XXXX Phone ( XXXX ) XXXX The reference number from XXXX XXXX is Reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IN
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:
In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to Experian, XXXX and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 Experian responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to Experian 9 days later? It is clear Experian is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.

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 2021-09-22
Company: Novad Management Consulting LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently received a letter in the mail from Novad Management Consulting stating that after XX/XX/21 I would have a new mortgage loan servicer. However I have never even heard of this company, so I contact my actual mortgage provider and they stated that my loan was not in the process of being transferred to another company and they thought this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute and letter for your reference. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,

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 2022-04-29
Company: EQUIFAX, INC.
State: NJ
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 received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Equifax Mortgage Service - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX this account was reported by XXXX XXXX XXXX XXXX, since then the account has been disputed and removed from my credit file under my social security number. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 days.

( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information that has been deleted from the consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if the authorized by the consumer for that purpose, by any other means available to the agency. 


I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: AUTOMOTIVE CREDIT CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes.

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

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