BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: AZ
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  ; Experian and XXXX  are reporting incorrectly a balance of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

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 2017-12-28
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from First Continental Mortgage Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
First Continental Mortgage and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and First Continental Mortgage are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now First Continental Mortgage is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
First Continental and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why First Continental Mortage and XXXX XXXX XXXXXXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and XXXX  and XXXX and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
First Continental Mortgage, XXXXXXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a personal check for {$50.00} to a relative for a birthday gift. The birthday card and check were sent via USPS mail was stolen somewhere in IL - as the intended recipient was in CA. 
I have reached out to Chase to dispute this about 38 days after the check was posted against my account. This check was washed, had a forged signature and new amount of {$490.00}. It was chased in person by a non Chase account holder at a Chase branch where no signatures were checked. The Chase Bank also received a fee for cashing this for a non account holder. I feel that they participated in fraud by not checking signatures. 
I have went to the XXXX police department and filed a complaint. They investigated and determined that a fraudulent ID was used to cash this check. 
Chase was unable to assist the police department with any video of the transaction, stating that they do not keep videos for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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 information incorrect

Complaint:
XXXX XXXX reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unknown debt listed which I do not owe. Please help I have disputed with nothing 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 2022-08-11
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
Monday, XX/XX/22 I called Black Card - Barclays- and reported suspected fraud involving my card. I was not sure but suspected it strongly enough to put a hold on my credit card and to check what charges had been made. Representative confirmed my last charge was the one I had made previous to the suspected fraud charge. I asked for Barclays to put a hold on my card and to suspect my card number to be used in potential fraud beginning immediately. Representative went through the protocol to get that accomplished ( asked to speak to the primary card holder -spouse- verified last four digits of SSN # and asked what site was suspected of the fraud -XXXX XXXX XXXX ). This representative instructed that my card was on hold immediately and no charges matching my credit card would go through. The very next day, On XX/XX/22, a {$79.00} charge to an XXXX was approved and went through as a charge to my account number on hold. Last XXXX on XX/XX/22, ( approx. XXXX XXXX XXXXXXXX ) I immediately called Barclays 24 hour member representative number on the back of my card ( Not Concierge number as I had done on XX/XX/22 - because it was currently XXXX hours PST ) and XXXX, the representative could not help me in any way because his system was down. 
I asked for a Supervisor to call me back when the system came back up but I have not received a call as of this XXXX  on XX/XX/22. No charges should have gone through on a card I reported potential fraud on a day prior AND went through the Concierge phone number on the back of my card to report it as such! I asked to put a hold on my card ( also checked to make sure the last charge which was made on my charge card was at XXXX XXXX XXXX  XXXX earlier before suspected fraudulent site of XXXX XXXX XXXX ). I am not responsible for the {$79.00} charge from an XXXX on XX/XX/22 ( which was 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 2022-03-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit card off on XX/XX/. Two days, I went to check to make sure that there was a XXXX  balance. To my surprise there was a {$20.00} fee applied to my account. I paid that balance. Today I received another email informing me that I owed {$56.00}. I called Discover to inquire about this new balance. I was informed that because I paid my balance two days after the due date, I was charged interest and late fees. I was very upset with the company. I told the company that they were penalizing me for paying off my balance. Something needs to be done to prevent companies, like Discover, from penalizing individuals from paying off their balance. The company will try to hide between a false narrative about when I paid my balance. The truth is Discover is penalizing individuals for paying off their balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Im also uploading my personal information. Please accept. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX ( Nissan Motor Acceptance Corporation ) is in violation of multiple FDCPA laws. I have highlighted them in the " contract ''. They have been charging me monthly payments on a vehicle that has a positive balance, that is false representation of the amount of a debt. The finance charge, amount financed and The total of payments are all violations. If it is indeed a debt and it is owed it should be shown in the negative. So far the amount that has been paid to date is {$25000.00}. I have sent an invoice to the company to have them repay me all of this as well as my down payment and for the violations. I have not heard anything back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MI
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:
This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.

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 2021-04-16
Company: National Credit Systems,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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDLAND FUNDING LLC does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
North American Credit Services is attempting to collect an XXXX  debt. I have sent several letters to the company that go unanswered and I continue to get collection letters.The practice is quite suspicious because they have not acknowledged any of my requests ; I specifically asked they have the original creditor contact me to validate the debt but as previously stated, they have not answered or acknowledged any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am in the XXXX business & have been unemployed since the pandemic shut everything down. I have HAD to sell my car. It was financed by XXXX XXXX XXXX XXXX who gave us a XXXX payoff letter ( see attached ). Based on that, the buyer 's credit union sent XXXX XXXX XXXX XXXX a check for {$21000.00} which was more than enough to payoff loan ( see payoff screen ). XXXX XXXX received the check XXXX, last XXXX morning ( see proof of delivery ). On Friday a XXXX XXXX representative confirmed they had received the certified check. But had not reason/excuse for why it had NOT been applied & my loan paid off & so title released. She said I would have to call the " Payoff Dept '' on Monday. 
This has dragged on so long that I have had to make XXXX payments to cover the interest XXXX XXXX KEEPS charging me so the payoff amount is less than {$21000.00}. What a XXXX XXXX XXXX XXXX they are XXXX Plus now, the buyer has been paying interest on his loan at the credit union!! 
This is outrageous treatment of a customer who has made EVERY payment on time & even paid ahead to help my credit & save some interest ... despite being unemployed for over a year (! ).

Company response to consumer: Closed with explanation