BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with Credit Acceptance in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with Credit Acceptance and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: FL
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:
I have two 3rd party credit report companies to monitor my credit. The company names that I am using are XXXX XXXX and XXXX XXXX. The only credit bureau that is not showing is XX/XX/XXXX I gave XX/XX/XXXX a call multiple times but I was given the run around. I was also hung up on because I was asking the question why I cant see there report. I went to there website and purchase all three reports and they where all not updated. Also show multiple inaccuracies. I canceled there service immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, 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:
I have contacted the companies in writing certified mail and have received no assistance, I am livid that nothing is being done no information nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX XXXX XXXX {$0.00}

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 2020-11-07
Company: EQUIFAX, INC.
State: LA
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 several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with XXXX XXXX in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with XXXX XXXX and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt. 
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
On or about XXXX I received a robo call from someone who threatened to charge for a service I had not requested. I became concerned about the fact that someone must have my SS # etc ' I called Equifax to see if my information had been compromised. It confirmed that it had been. On this date I froze my credit on XXXX  & XXXX. Equifax has refused to do so despite my spending almost 5 hours on the tp & internet. No explanation, just referring me to someone in the XXXX or elsewhere.Online it says '' sorry we can not complete your request and provides a telephone No ) Calling it I get nowhere until the robe voice cuts off with a ( Thank you for calling Equifax ). I don't wish to file a claim since I have not been damaged yet. Also it seems that relief is limited to {$120.00} or so. Any assistance would be appreciated. If this attitude continues, I will commence a personal action against Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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:
I was checking my credit report and I don't understand why I see that information on my account. I have no idea where did you get it. Its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized transaction was on my checking account on XX/XX/XXXX via XXXX in the amount of {$2000.00} to XXXX. I called both my bank ( Chase ) and XXXX to dispute, with both entities stating they had enough information to investigate. 

On XX/XX/XXXX, I received details from Chase that the dispute was denied and I would be liable for the full amount from the information that they received from XXXX and that I would have to contact XXXX ( even though I already did ) and resolve through them. 

I contacted XXXX and they advised I would need to contact Chase in order to resolve. 

Chase did provide tracking information for the " purchase ''. I contacted XXXX who verbally acknowledged the delivery was to XXXX XXXX XXXX, XXXX XXXX ( which is not my address ). And the package was signed for by " XXXX ''. There is a signature on file, but I was told by Chase that they did not have to verify that the signature matched due to Covid19. 

Chase advised they can send me the documents they received from XXXX that was used to decline the claim but would take up to 10 business days, in the meantime, they would subtract the {$2000.00} from my account in 7 days unless I had proof to re-open the claim. But how can I review the documents and submit a claim if I may not get them until after they pull funds from my account? 

I have filed a police report and credit disputes with the three major credit agencies to assist in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 disputed these accounts several times through Transunion and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Transunion for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.

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 2020-11-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Payments were made from my checking account in XX/XX/2020 and XX/XX/2020. I contacted the company. I sent bank statements to show proof by mail. I spoke with supervisors on the phone. I filed a complaint with the XXXX XXXX XXXX. I disputed with XXXX, XXXX and XXXX providing bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: SC
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:
After submitting my complaint about an item falsely placed on my credit report on XX/XX/2018. Equifax removed the item and replaced it with the same item reported earlier by another collection agency that had sold the item to the agency that they removed. My previous complaint showed that I have no accounts in collections from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: MA
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:
Between Experian and XXXX as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both XXXX  and Experian are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.

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 2018-01-31
Company: Northstar Location Services, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: MA
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:
Between XXXX  and XXXX  as well as JPMCB Home lending as well as JP Morgan Chase Bank, NA and also XXXX XXXX XXXX XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also  credit bureaus both XXXX  and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of alleged accounts with SCA Collections Inc. First letter submitted validation request certified mail via USPS on XX/XX/2020. SCA sends a itemized bill via USPS XX/XX/2020. 2nd request validation letter was sent on XX/XX/2020 via certified mailed USPS. No response received.

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 2018-01-31
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received 3 letters from XXXX  Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). Soon after receiving this information I submitted Dispute Letters to ( XXXX Equifax, & XXXX ) with the above derogatory account information on it that was given to me from XXXX. I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX  credit monitoring. I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now Equifax dropped another 7 points! I work very hard to get where I am at. So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX  and Equifax now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, Equifax and XXXX each received a letter from me disputing this account and asking for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to state that I have been contacting Meridian in an attempt to cease all communication and attempt to collect the debt they are claiming I owe. They have contacted me in an harassing manner ( I have attached the original request to cease communication ). Additionally they have claimed to be attorneys ( attached proof ) - which after doing my research I am able to confirm that is illegal, because of this I would like this organization to stop contacting me, reporting on my credit and demanding money from me especially since they can not follow the law. I had contacted all the credit reports to demand deletion especially since they are claiming they are attorneys and they validated this to be true? 

Additionally, I had requested proof of a signed written signature with both the original credit and the collection agency showing proof that I agreed to work with Meridian,  XXXX or any of its affiliates. I have yet to receive any responses from them. They have threatened to affect my credit. I feel like I have been pressured and forced into paying for something that began by predatory lending and misrepresentation from the beginning. Now this company is refusing to respond to me and continues to validate the information as true even when I provide proof of their inaccurate information on my report. Furthermore, they are reporting a past due balance on an account that I never signed a contract with them for. I DEMAND PROOF OF AN ORIGINAL CONTRACT STATING I AGREED TO WORK WITH MERIDIAN OR XXXX XXXX SERVICES 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 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made several deposits using my Bank of America Debit Card Account with online gaming companies in what turned out to be located in foreign countries. The charges showed up on my account statement under many different names that I did not recognize ( XXXX, XXXX, etc ). I have since learned online gaming companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, use pass through accounts for accepting deposits from players. After these deposits were accepted by the three companies listed above, I won a little bit of money. All together the winning amount is about {$500.00}. I made a request to withdraw the money from all three and it was denied by all three companies because I could not show proof of having a utility bill in my name. I tried sending everything to them and they still refused to give me back any part of the money I won or deposited with them. I thought of the CFPB and visited your website and read about how to report the transactions as charge backs to the bank. I submitted a claim ( fraudulent activity report ) with Bank of America and after 15 days I received a response telling me the claim was denied. I do n't know where to go from here so I am hoping you can help me get this resolved. All I want is for Bank of America to reverse these debit card transactions made to these companies. I do not want Bank of America taking a loss, I just want the transactions charged back. I have very little emails and communications with these companies as they will not put anything in writing. I am attaching a few copies of emails as proof to show I tried to withdraw the money and they refused to send it to me. This is not a case where I lost all my money and want the transactions charged back. To me that would be unethical.

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 2018-01-31
Company: OpenRoad Lending
State: MD
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 no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation