BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contracted internet services with XXXX since XXXX. The services received were standard and exclusive for low-income families ( {$10.00} per month ). In XXXX, XXXX continued to bill my account for premium services that were not offered nor being used through their services ( XXXX ). 

I disputed this information but was unsuccessful in getting reimbursed. I continued to pay my bill online. After a while, my discontentment grew, and decided to cancel all services with this company ( XX/XX/XXXX ). The company failed to provide or mail any bill to the address on file after internet services were canceled. Instead, continued to send electronic bills to an app no longer active on my phone. 

Recently, a negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. The said XXXX account, had been sold to a collection agency, Credit Management. The account is showing on all credit bureaus as an active collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-06
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:
I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.

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 2018-08-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to XXXX and Experian to report that this matter was STILL on my report in XXXX which I created a dispute. XXXX turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called Experian asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to Experian and they referred me to your website for help. Experian agreed that after 10 years this should be removed. Can you PLEASE, 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 2023-08-29
Company: EQUIFAX, INC.
State: MD
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'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: DC
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-30
Company: Credit Systems International, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit score and found a collections document : CREDIT SYSTEMS Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX Original creditor This is an energy company in Texas, I am located in Arizona, and I have never opened an account with this company. I called the company on XXXX, and they claimed they could not find my information. 
Upon further investigation on my behalf, I came across an email from XXXX denying a personal loan. The letter reads as follows : Dear XXXX XXXX Thank you for your interest in XXXXXXXX XXXX XXXX. 

To ensure you're always informed, we're writing to let you know that we could not approve your loan request at this time because : COLLECTION TOO FEW ACCOUNTS IN CURRENT STATUS DEROGATORY PUBLIC RECORD OR COLLECTION FILED Keep in mind, your credit score will not be impacted by your request since we used a soft credit inquiry to check your eligibility. 

If you have any questions regarding this letter, write to XXXX XXXX, issuer of the XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Please include your name, address and application number XXXX. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I submitted a dispute to the credit card Company Chase, and they told me the amount charged would be removed from my account in 14days. I called back to check in on the dispute, and they stated an internal error caued the dispute not to be resolved, and it would take another 14 days to process. Then they still didnt remove the fees from my account. This is Fruad!!! 14 days is 14 days! They need to immediately remove the charge and credit my account. If my credit is affected by this, and I fail to get a home because of this, I will sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been repeatedly harassed by phone calls multiple times a day from Portfolio Recovery Associates , LLC. They are using an attorneys, XXXX XXXX XXXX, XXXX. Ive tried settling this debt with them on multiple occasions. Ive made several payments and they always say they are sending a payment agreement in the mail and I never receive anything. They have tried to garnish my wages on several occasion and I dont make enough for them to do so. They call me multiple times a day on an auto dialer, which they are unlawful in doing so without permission from myself. They can impose up to a {$1500.00} fine, if Im correct. Ive done my part in trying to get this taken care of and the continue to harass me and threaten my job. Something needs to be done. Ive been to court several times with no resolve to this matter. Ive asked for an original purchase agreement from the collections agency, which they have failed to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. 
( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

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 2023-08-02
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a new checking account with Bank of America about six months ago. I did not setup direct deposit with them at that time. I have few reoccurring monthly transactions that would be charged on my debit card. When I didn't have direct deposit, the charges would just decline no overdraft fee and then when I made a deposit and the merchant would run the charge again then it would process. Now that I have direct deposit setup and a merchant would request a reoccurring monthly charge, Bank of America pays it but charges me a fee. I did not opt-in to be charge for overdraft fees!!!! They charge me over {$140.00} overdraft fees for non- ACH transactions!!!! I have called and complaint to them on several occasions. Please help! I can't be alone.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-06-02
Company: EQUIFAX, 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 status incorrect

Complaint:
Hello All, This complaint concerns the three Credit Bureaus as XXXX, Equifax, and XXXX. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: MARINER FINANCE, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened my loan on XX/XX/XXXX. On XX/XX/XXXX, their website stated the " today 's payoff '' balance of my loan was {$5000.00}. There was no indication of additional interest or fees. There was an asterisk next to the amount but it only stated that I needed to call the local branch to obtain a payoff balance for a future date. 

I paid the " today 's payoff '' balance in full on XX/XX/XXXX and received a final confirmation message on their website that " Your payment of : {$5000.00} has been applied to your account. '' I interpreted this to mean my account was now fully paid off. 

I later found that my loan wasn't paid off I'm accruing interest on the interest. The first time I spoke to them about the balance, I believe I owed them around {$100.00}. I told them that I paid the full payoff balance on their website and was told that they would investigate. 

The interest continued to compound over time and I hadn't heard back so I reached back out and spoke to someone at my local branch. I provided them with screenshots I had taken for my own records showing the " today 's payoff amount, '' my payment being made, and the confirmation page. Even with the proof that I paid the full balance, they stated they couldn't waive any of the remaining balance and I now owe them over {$130.00} if I want to close the account. 

I did pay the remaining balance today and received an email from the agent at the local branch as confirmation that is now paid off ; however, this whole ordeal felt very predatory and I'm grateful I had funds to pay off the balance so it didn't impact my credit score. I will never do business with this company again. 

Also worth nothing- now that I have paid off the loan, I am no longer able to access any of my loan documents on their website nor can I view my loan history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
The company known as CREDIT ACCEPTANCE falsely accused me of presenting fraudulent paystubs after previously verifying paystubs presented to a dealership for finalizing a deal that was said to be near completion.

The company CREDIT ACCEPTANCE previously contacted my employer to verify my employment and information presented upon the paystubs and successfully verified the information.

The company CREDIT ACCEPTANCE is using XXXX discriminatory practices in denying certain XXXX demographics the ability to finance vehicles and receive loans by redlining and using discriminatory tactics of alledging fraud and requiring proof of validity in order to proceed with financing vehicles. 
The company CREDIT ACCEPTANCE is using XXXX discrimination & requiring certain demographics to basically " beg for '' and prove beyond any shadow of their already racially prejudiced biased and doubtful assumptions. 
The company CREDIT ACCEPTANCE has already contacted my employer and verified my employment status yet the cmpany CREDIT ACCEPTANCE is continuing to use racially discriminatory tactics to deny credit to certain XXXX demographics.

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 2023-06-02
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of Equifax, XXXX, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : Equifax ( Tracking Number : XXXX ), XXXX ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This has been a problem since the loan began : 1. ) They repeatedly call me 5-6 or more times a day, every 3 hours, if I go beyond 10 days late.

2. ) At the 10th day, they charge an excessive {$70.00} late fee on the loan 3. ) In their effort to humiliate/harass you if you are late, they actually cut off access to using their online bill pay service. Because they receive pleasure in humiliating/threatening/harassing you over the phone.

4. ) If you give them no exact time table when you can pay before the 30 day late grace period, they keep calling you repeatedly.

I'm actively working on credit repair. I CAN NOT WAIT to refi my car loan elsewhere and get away from this abusive company. This activity should be something that is ILLEGAL!!

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