BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-05-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I submitted a Lease Takeover Document back to Nissan ( NMAC ) which was received by them 30 days late because of the Pandemic. 

Covid-19 caused large delays in logistics around the world and shut down a large majority of XXXX distributions centers. Overall, the pandemic caused the full lease takeover documents to be delayed by 30 days, however, I was told by a Nissan representative over the phone that I would be granted an extended grace period because of the pandemic ( they would accept the documents ) unless she called to tell me otherwise by end of day XX/XX/2020. 

She never called me, which i assumed meant we are all good to go as she told me on the phone. The documents were received by Nissan and discarded on the XXXX of XXXX, 2020. I never received a phone call back, I am now living in XXXX where the vehicle is not allowed to be. I can't afford to make payments on the vehicle anymore. I have pleaded with Nissan for months now to please retain the documents as the man taking over the lease still wants the vehicle and I am still trying to have it taken over. Its in everyone 's best interest to file the documents through and allow the transfer to happen. I do not understand why this process has been like pulling teeth, everyone is on board and following the playbook except Nissan. They have been TERRIBLE to work with. I have been struggling with Nissan and this vehicle for over 3 months now fighting on a weekly, sometimes daily basis with Nissan. It is driving me extremely anxious and sad as I have to start choosing between paying the lease/insurance and purchasing food or paying utility bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
I purchased a vehicle with XXXX in XXXX of XXXX with an extremely high interest rate and confusing payments. They said it had no accidents but it had been and the entire bumper is offset and the paint has spidered in several areas. Basically a lemon. I made all my payments on time until Covid and I owned a XXXX XXXX. I worked out an arrangement with them and contacted them regularly to explain everytime I had to shut down. They werent supposed to be charging late fees or high interest during this time. But this actually loan was never on my credit report until recently. I was rushed to the hospital in XXXX of XXXX where I was told I wasnt going to make it. I spent a month XXXX  with XXXX then caught XXXX. Sent home with a XXXX line on home health still making payments as I could and emailing them of my situation. I was hospitalized again in XXXX then in XXXX with the same things and ended up missing 4 months of work. They emailed called texted all day everyday sent threatening emails knowing I was in the hospital and had no way to do anything. Fast forward to XXXX where I had been desperately trying to work even though I was told not too just to pay my bills and get them off of me. I was paying almost weekly and as often as I could. I had a payment arrangement set up and on XX/XX/XXXX without warning or notice or affidavit filed with the DMV they sent a man onto my property to take the car with my purse medications money and car seat and we were home. No note or knock on the door. I tried to call but they said I had to call back during business hours it was a holiday. I had to cancel my appointments for the next day and go a night without vital medications not knowing where my car was. The next day I was told I had to pay XXXX to get back a car I was making payments on. At their mercy I paid this got the car back but was blocked from the portal or seeing any of the info that was there. They debuted the wrong account and blamed me for it and took the car over that payment. Then charged it off on my credit report but I still have the loan and the car and everything they stated on my report is not factual. It was never on my report until they did this shady deal. Now Im stuck and cant do anything. This company scams people all the time then locks you out of seeing your account info. How can you charge off a vehicle take it without notice or filing an affidavit but make them pay to get it back and you still have the same loan company XXXX. Something has to be done especially because I was working with them and notifying them of everything.

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 2019-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Mission Financial Services Corporation
State: OK
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 is reporting incorrect information such as terms, amounts, balance, origainal balance to XXXX. 
i have asked to send contract that bears my signature no response. 
they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged. 
XXXX also has fail to verify information and provide such information to me on several attemps to resolve this 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
credit report not popping up ins sytems. 
XXXX XXXX XX/XX/1993 is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX is my adress.

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 2022-08-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently looked over my credit report and realized some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on my lunch break from my job I went to XXXX XXXX at this location XXXX XXXX XXXX, XXXX XXXX, CA XXXX I tried to purchase food using my discovery checking account card the transaction have failed but I called Discovery that day it was a pending transaction it told me to wait till it process and post then I called them back today it told me that nothing they could do told me to go back to XXXX XXXX I talked to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: CA
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:
This is in regards to a contested charge in the amount of {$440.00} on XX/XX/2020 on my Citi credit card. The payee is XXXX XXXX XXXX. I realized the first week of XXXX that XXXX XXXX XXXX charged my card on file without my authorization for an annual renewal of my gym membership. I reported this charge to Citi and they said that I needed to try to work it out with the merchant first and if unsuccessful they would assist. For two weeks I had dialogue with XXXX XXXX XXXX and they said they would reverse the charge but they never did. I went back to Citi and they said give it a " couple of months '' and then come back to them. In the interim, the COVID pandemic occurred, XXXX XXXX XXXX closed, and they filed for bankruptcy. I demanded that Citi reverse this charge and they agreed to do so finally in XX/XX/2020. A credit was never applied to my card. Monthly follow ups ensued with the consistent response to me that we " will be back to you in 10 days with an update. '' The only " update '' from Citi has been closure of my account and issuance of a new card in XX/XX/2020 as they finally realized that XXXX XXXX XXXX could process another charge at any time. It is now been an additional two and a half months with the same replies of it " will be approximately 10 days. '' It has been 11 months now since this charge that I did not authorize was put on my card. I am kindly asking your assistance in getting this situation to a successful resolution.

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 2018-04-05
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ive been always paying my mortgage on time. In XX/XX/XXXX, for some reason, the mortgage company didnt receive my payment on time. The payment was a check from my bank account which was mailed to the Mortgage Company by XXXX XXXX. The mortgage company mailed me a Delinquent Notice. When I called them, they said that they did not receive the check. The manager who I was talking to her on the phone, suggested me to put a stop payment on that check and she charged my debit card over the phone for XX/XX/XXXX payment. I did that. She also charged me a late fee. I told her it was not my fault that the check was lost. But she charged me late fee anyway. 
Since then, they keep sending me letters and calling me for being behind on my payment. They keep charging me late fees. They are threatening me to report the late payment to the credit companies. Ive been on the phone with the mortgage company almost every week since XX/XX/XXXX. I emailed them a copy of my bank statements showing that the money came out of my bank account and was sent to the mortgage company every month. I also emailed them a copy of the confirmations showing that they received the money every month. But I couldnt fix the problem. I talked to and emailed the supporting documents to several managers but every time, there is a new person and he/she has no record of my previous emails and conversations. I have to send the supporting documents again and again. 
I also contacted XXXX XXXX and I called the mortgage company from XXXX XXXX branch. A banker and I talked to a manager at Loan Care and the banker told her that I made my payments every month. But she didnt listen. I filed a complaint with XXXX XXXX. XXXX XXXX mailed me the Transaction ID # for 2 of my payments. They said the third Transaction ID # is from a different department and they will mail it to me. I am waiting to receive the third Transaction ID # from XXXX XXXX in the mail. I dont know what else to do?

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 2022-09-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit has been calling me several times a week for about a year now. I tell them all the time to stop calling me. I paid off some my debt and cant afford to pay anymore at this time. They are still constantly calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: OK
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 have asked for them to investigate account from XXXX XXXX XXXX, they continue to report inaccurate information. 
I have asked them to send me the information they received that was used to verify the account they refuse. i requested for any documents that bears my signature, they refused, i have asked for them to re - investigate. they notified me that the will not re-investigate. So they are still reporting inaccurate info. on my report in 1681i which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have called and faxed Transunion several times and they refuse to remove inquiries on my report related to idenitity theft. They are infringing on my rights covered under the FCRA. I have reattached my Identity Theft form that I sent to them. As a summary, the following inquiries need to be removed as I gave no permission and my SSN was compromised : - XXXX XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - XXXX XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Please remove these fraud inquiries ASAP. I have asked several times and have provided supporting documentation.

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 2023-05-24
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called and explained that this bill was my husbands. Insurance should have paid it also. I contacted the hospital and they said that it was fine they would bill insurance. Still havent. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: IN
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 accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.

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