BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from 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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is reporting a chargeoff on my credit reports. 
this is false and unauthorized. 
i have paid all my accounts please remove this chargeoff.

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 2021-04-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Equifax and was informed that my dispute letters has not been received. This is the 3rd month in a row that Equifax has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last 4 of my SSN is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Equifax on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Equifax and this is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
Nissan Motor Acceptance LLC is in violation of 15USC 6802 for furnishing an account with incomplete information to the credit reporting agencies without providing me with ALL THREE of my OPT OUT disclosures before the reporting of this data. 
I was only given disclosure form A ) in which, only states that Nissan Motor Services MAY OR MAY NOT disclose my non public personal information to a nonaffiliated third party. 

XXXX states : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title - ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

This violation of 15USC 6802 - OPT OUT alone justifies deletion of this account. 

Furthermore - NMAC states in their response to my previous complaint that they are reporting this account and its data accurately - that my stance is not supported by law. 

But according to 15USC 1681a Section 2 under the Exclusions Title : 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions or experience to Nissan Motor Acceptance LLC are excluded from my consumer report, therefore they must delete this account and its data from my report. 

It has been more than 60 days since they have been notified of their violation and this account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NY
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 delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my house at XXXX XXXX XXXX XXXX XXXX 2 years ago. XX/XX/2021 and just 4 months later out sump pump failed because the sewage was running to the hole and had failed for not being the proper pump. Resulting in 2 feet of water and significant mold and draining issues under the house. My insurance only covered enough for mold remediation even quoting that it was only covered for $ XXXX but there was $ XXXX in total damage. After struggling to keep up with payments and fix my house myself we decided to move out and I attempted bankruptcy but my attorney didn't give me the proper documentation for it to be resolved. Now I'm just trying to sell the house and move on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My XXXX are not available to me. I try several times to get access to them. I called XXXX. I called chase. After months of trying I try to obtain my access through another complaint XXXX. 
Chase once again lied and refuse to giving me my XXXX XXXX XXXX  There response : DESCRIPTION OF NON-MONETARY RELIEF We confirmed the points were transferred and provided the account number. We also confirmed XXXX sent an email for a password reset. 

Allegedly, XXXX sent me an email to get access to my account and with that having access to them. XXXX, no email. I called them again they cant see the XXXX XXXX number. Email : XXXX the one thats is link to my Chase account is not available to enter at XXXX  or in the XXXX. Once again, I was lied to. XXXX XXXX do anything.I have evidence of everything and more. This is my last time doing this. Next time we are going to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage is with associated bank. 
A payoff was ordered from a company I was refinancing through. 
Associated bank cancelled my automatic payment withdrawal and didn't inform me they cancelled the payment. 
I know have a 30 day late on my credit. 
As soon as I found out they didn't take the payment automatically, I went into the bank and made the payment. 
However, it was the XXXX of the next month. 
XXXX 's payment was marked as late on my credit, because associated bank didn't take out the automatic payment withdrawal and didn't tell me, or mail me anything. 
I went into the bank and requested they provide a letter that they made an error and they refused. 
I've never had a late payment on my mortgage in the past. My refinance fell through because of the late payment as well. 
I would like the late removed from my credit, or the letter explaining that associated bank cancelled the payment in error. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called each of the past two months asking for forbearance on my credit card account due to an abnormally large minimum payment ( $ 1000+ ) and recent job loss. I was lead to believe that I was issued a payment plan by the representative on the phone, but in reality, only scheduled payments that could not be cancelled in an amount less than the true minimum were created and no forbearance options offered. 

I was still charged a late fee, was still marked as 30+ days late on my credit report, and was not warned of this in advance of these consequences in any way, even when verbally asked if I would be reported 30+ days late to the representative. 

I want to keep this account and am committed to paying it down, but Chase 's unwillingness to give any assistance has left me with my first ever late payments and a crushed budget.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: ProCollect, 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: Old information reappears or never goes away

Complaint:
Per Texas state law, this debt has passed the statutes of limitations, no collection attempt will be able to be made through means of reporting to the credit bureaus once the statutes of limitations has passed.

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 2018-10-10
Company: Experian Information Solutions Inc.
State: KS
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 had XXXX XXXX credit card that I closed in XXXX. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *CAPITAL ONE XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was XXXX in XXXX in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. with the XXXX. I had my attorney and my XXXX sent my orders I was there. no way I could be in some small town in XXXX XXXX miles from my home in Florida. it was a secured card I forgot I even had any more. so when gone someone found it on the web and went fun with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Bank of America, was reporting to the credit agencies that I stop paiding on a credit card, and after more than seven years keep this credit card account claim open for collections so I used my debit card account to paid them back, no credit card account was never offered to me after paying that credit card account off and no updates were issued on credit offered to me. I paid off that credit card account but got nothing for it no credit card reactivation.

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 2023-07-10
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
The following account and hard inquiry currently listed and showing on my XXXX, Equifax, and XXXX XXXX credit report is fraudulent, not my account and is the result of identity theft : XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$4200.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: JPMORGAN CHASE & CO.
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered an item from Amazon XX/XX/20. Order was not going to arrive in time for grandson 's birthday so I bought another item. Authorized through Amazon request to return item on XX/XX/20. Amazon accepted request and sent out a return label.XX/XX/XXXX. Shipped item back to the address Amazon provided on XXXX XXXX. Item of {$480.00} was placed on my XX/XX/XXXX Chase Amazon Credit Card along with a charge of {$85.00} for a XXXX XXXX bill which was correct. Item was received at the Amazon location on XXXX XXXX and proof of delivery was signed by " XXXX ''. Chase Amazon Credit Card credited my account {$480.00} on my XX/XX/XXXX billing. Chase Amazon Credit Card then placed both items back on my card on my XX/XX/XXXX billing - The {$480.00} item and the {$85.00} XXXX XXXX charge.Called Chase Amazon Credit Card on XX/XX/XXXX and was told to file a dispute. Faxed dispute on XX/XX/XXXX and mailed out a copy as well. Chase Amazon Credit Card denied my dispute on XX/XX/1920. After numerous calls and the general run-around on XX/XX/1920 Chase Amazon Credit Card decided as a one-time generous gesture, they would credit my account {$100.00} and I should be grateful to eat the balance. I did not notice the rebilling of the {$85.00} XXXX XXXX charge until later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Today I received 8 phone calls about a late payment. My payment was 7 days late. I made the payment on Monday, however, I was {$9.00} short ( I thought my payment was {$30.00} ) and I guess this caused them to call me 8 times without messages left, on 2 of the calls I picked up I was hung up on and the last call I explained I made the payment Monday. It was never said my payment was incorrect. When I checked my account it said I still owed {$9.00}, which I paid immediately. There is no reason for this many calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Strategic Alliances, Inc.
State: SC
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:
First Financial Asset management added debt to my credit report without any acknowledgement in the amount of {$300.00}. Also XXXX XXXX XXXX has sold the original debt to first financial asset management. Violation of the Hipaa laws and privacy act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 explanation
Consumer complaint received 2023-04-20
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The lease to VWCredit Inc ( d.b.a. Audi Finance and Volkswagen Credit ) was paid off on XX/XX/2023, and the check cleared my bank on XX/XX/2023. The contract states the title will be sent in two to four weeks. I have called twice, and they offer no updates and won't send a written notice that the lease has been paid off or a release of lien letter that I can use at the California DMV to change the title. All the proper paperwork ( Odometer Disclosure Statement, Bill of Sale, Executed Payoff Quote, and the check for $ XXXX ) was sent, and the Customer Service line at XXXX verbally confirmed that fact.

Company response to consumer: Closed with explanation