BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!! 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE 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 2023-03-28
Company: Experian Information Solutions Inc.
State: TN
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:
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX AMOUNTS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX {$170.00} AND XXXX XXXX XXXX {$420.00} I went to the XXXX Police station and got a incident report of the event. I went on the Federal Trade Commission 's website and filed a ID theft report. I sent this to the credit companies and they haven't done anything yet.I need help with this.

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 2023-03-28
Company: Adler Wallach & Associates, Inc.
State: CA
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:
On XX/XX/2023, AWA Collections continued to report a medical debt of {$100.00} and adding interest of {$120.00} on my XXXX credit report from XXXX XXXX XXXX and I live in California. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it was paid by health insurance. AWA Collections advised me they were going to leave it on my XXXX credit report until I paid it because it damages my credit. AWA Collections should not be reporting any medical debt whatsoever under {$500.00}. They are violating the provisions congress put in place to protect consumers under the Medical Debt Relief Act of 2023. I disputed this with them and XXXX electronically and verbally twice. They said they would continue reporting it to damage my credit until they were told to removed it. AWA collections should immediately stop reporting medical debt under {$500.00} and delete this medical debt paid by my insurance from my XXXX consumer credit file. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TN
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:
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX AMOUNTS : XXXX & XXXX XXXX, XXXX XXXX XXXX {$170.00} AND XXXX XXXX XXXX {$420.00} I went to the XXXX Police station and got a incident report of the event. I went on the Federal Trade Commission 's website and filed a ID theft report. I sent this to the credit companies and they haven't done anything yet.I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the company to do what is Fair and Equitable to me as a consumer to stop harassing me. Especially since I do not know this company and why they are harassing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Here is brief summary of main events coverings my car lease experience, wrongful automated system generatedrepossession order, report to credit bureaus and collection calls by NMAC agents : 1. On XX/XX/XXXX, Nissan XXXX  XXXX dealership paid off the car I had leased from them in full by mistake so my Nissan Motor Acceptance Corporation " NMAC " car lease account was closed ... no futher payments could be made. 

2. Dealership went to arbitration to correct it and have my NMAC lease account reopened. 

3. I filled a complaint against the dealership with NCDOJ and XXXX but the dealership did not respond to either of them. 

4. Dealership executive manager accepted their error in XX/XX/XXXX and agreed : - to make my car payments for XX/XX/XXXX and XX/XX/XXXX when NMAC reopens my lease account - to an additional refund of {$680.00} 5. No contacts were made by NMAC or the dealership with me ... no bills, explaination, notifications about a closed ornew account, warnings, repossession notice, etc. 

6. XXXX XXXX, NMAC opened a new lease account for the same car ( my prior account was still closed ), but did not inform me. 

7. On XX/XX/XXXX, I checked my NMAC account and found they had created a new account for the same car ... I checked my account status several times a week, and occationally, kept screen shots for my records. 

8. I attempted to make a payment via NMAC online app but it was rejected ... account not found. it appears the new account was not ready/fully functional to accept payments! 

9. On XX/XX/XXXX, I decided to make a payment via my own bank to my new NMAC account instead. 

10. On XXXX, XXXX, I received a call from NMAC to inform me that they had initiated to repossess my car as I had not made any payments for more than 91 days! 

11. The general manger of the dealership was also on the call so he attempted to make a payment while we were on the call ( via moneygram - as the only available option according to the NMAC agent ). The payment was not accepted as the new account was not found. 

12. The NMAC agent noticed the problem but said he could not stop the system generated automatic repossession untillMonday, XX/XX/XXXX. The agent also stated that my car may be repossessed over the weekend since the repossession order has already been sent out and reported to credit bureaus! 

I have now made all of my car lease payments, even up to XX/XX/XXXX, via my bank account. 

For the records, I understand thatNMAC had recently ( in XXXX ), paid $ XXXX in fines and agreed to submit a plan for CFPB approval that outlines how it will overhaul internal checks on repossessions, identify future wrongful repossessions and improve board oversight ... clearly they still have issues with their account opening and automated repossession system and procedures that should have been addressed by their compliance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Pleased remove all fraud alerts and extended fraud alerts XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency.

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 2023-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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:
Greeting, I was illegally swindled into a sub-prime loan situation by a predatorial organization that utilized a used car dealership inorder to drain people bank accounts by raising the rates and percentages on previous signed contracts and agreements without my consent as the buyer and consumer. Once I found out I returned the vehicle to local destination for recovery whom was an affiliate of the seller that processed the illegal repossession for Credit Acceptance Corporation. I drove the vehicle there myself in order to squash this illegal encounter without getting a refund yet the record was supposed to been cleared long ago! 
Please be advised that Credit Acceptance Corporation was a criminal organization that even got caught trying to steal the vehicle after my initial purchase the XXXX as I was making monthly payments on time. 
This atrocious behavior by said companies has caused so much grief in my life over the past 7 years Credit Acceptance Corporation should be paying me for all punitive damages and the illegal loan interest rates plus hidden fees. 
For what I understand today is that the Justice Department is working on bringing that illegal operation and monstrous activities to an abrupt halt. 
After I submit this proof I request that my credit report be cleared as I was told that this issue was removed already long ago. 
Please update my credit report by removing this fictitious accusation against my name at this time. 

Here 's a link where you may do your own homework on Credit Acceptance Corporation daily operations ; https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/ ___________________________________________________________ Thank you in advance for your time and attention in this most important urgent matter. 

Sincerely

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 2023-03-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-28
Company: ENCORE CAPITAL GROUP INC.
State: WI
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 have 2 accounts on my credit file from this company. 1 for {$1100.00} and one for {$860.00}. I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and have a clear title, now on XX/XX/XXXX you reported the account as charged off. For the past 5yrs this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. If you look at the history of this account it has ways reported as Paid as Agreed and closed so how did you come up with a charge-off status all of a sudden after its been closed for 5yrs. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Here is a list of credit card charges that I did not make with this bank. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} XXXX XXXX XXXX for {$19.00} XXXX. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 
XXXX. XXXX XXXX XXXX {$71.00} on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 
XXXX. On XX/XX/XXXX {$1.00} XXXX XXXX cc XXXX XXXX. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX XXXX. XX/XX/XXXX pymets XXXX {$30.00} Sales and service XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} XXXX. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 
XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} XXXX. And this last one is a transfer of {$2.00}, XXXX what is this about?

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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recieved a Bank of America credit card in the mail to my home address in my madian name. It was was card opened or requested without my knowledge.

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 2023-03-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-03-28
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The SSI has already taken the debt of my deceased Father, XXXX XXXX XXXX, XXXX in the amount of {$1200.00}. I signed my name on a document at the Social Security Office. The representative explained that my signing the document was only if my father could not communicate.. in the event of a XXXX. After my father died, the Social Security Administration started harassing me stating that they sent out checks after my fathers death. The checks were cashed. I was not on my fathers bank account, nor did he and I live together. The Social Security Administration owed my father back pay as well. I spoke with countless representatives about this issue. The Social Security Administration took the money from my tax refund and then placed that debt in collections 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 explanation