BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I filed a dispute with Lazega & Johanson , LLC over 30 days ago .I informed Lazega & Johanson , LLC that I am disputing their claim.moreover I requested that Lazega & Johanson , LLC supply me with copy of the contract with my authentic signature and XXXX XXXX XXXX XXXX XXXX signature which makes the contract legal Lazega & Johanson , LLC never provided a true copy of contract with my authentic signature or XXXX XXXX XXXX XXXX authentic signature and continue to harrass me with lawsuits and fees thats are not included in the original amount.the consumer is not responsible for any other fees, late fees, or finance charges outside of the original amount owed and that is in the FDCPA. I the consumer has been tricked to pay fees I was not supposed to pay out of fear of getting sued and being threatened by Lazega & Johanson and by XXXX XXXX XXXX XXXX and I want my money back. I am in fear of Lazega & Johanson and XXXX XXXX XXXX XXXX with all of the threats, phone calls, and letters that I have received from them.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Lazega & Johanson , LLC and XXXX XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

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 2019-11-02
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Affirm Holdings, Inc
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

AFFIRM INC XXXX Date opened XX/XX/2019 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: CA
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 noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.

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 2021-04-07
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
LoanCare is reporting my credit as 120 past due, while I my mortgage is being modified. ( I have a tenant that was COVID impacted ). I was never late in the past, and in fact prepaid the modified mortgage through XXXX XXXX to avoid the situation I am in now. My credit has been reduced 60 points. I have been complaining a week with LOANCARE I sent them the support below and my score has not been changed. I need to purchase a range for another property and my cash flow has been GREATLY diminished as I have two other tenants not paying. ( I can not evict! ) My credit lines have been drastically reduced. One response from the Servicer is that the scores would be adjusted after the loan closes and all the payment terms have been met. Well I prepaid and met the requirement. Correct my credit! Very unhappy

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX XXXX XXXX XXXX : Collections : XXXX & XXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instructions.

Kindly delete the account. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: LJ Ross Associates
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fair credit for consumers reports it must correct of delete inaccurate, inviolate, or UNVERIFIABLE information. 

I havent had any issue with my credit, life has been good. Suddenly Im in emergency type situation, in need of bank services which Im being denied. 

This is incomprehensible, all the information in this report is completely UNVERIFIABLE. 

Remove this information at once. 

I demand XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from Western Union regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. XXXX XXXX XXXX XXXX confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. Western Union claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. Western Union stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer that was never authorized. I have disputed this with the bank and Western Union. Western Union complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always state to call later. Several case # s assigned. Bank and Western Union refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017 I visited an emergency center for a XXXX XXXX. When walking in I was told my charge would be {$250.00} for them to look at my XXXX. As I was getting ready to see the Dr. ( the  place was new and completely empty ) the receptionist asked If I had insurance which I said I did but would pay on my own knowing the price. She ( the reception lady ) said give me your card and we'll run it through your insurance. After giving her my card they took me to a room where the nurse took my blood pressure and temperature. She walked out, then the Dr walked in, asked me what was wrong so I told him. He wrote me a prescription for pain and walked out without another word. I left! Then several weeks later I get a bill saying that the insurance company would only pay around {$250.00} and that I was responsible for $ 1000+. Infuriated because I was told originally the fee was {$250.00} I called the company that owned the medical facility and was told that I was now responsible for the remainder. This is a scam and I've heard the Attorney General in Texas, where I was living, has been alerted to behaviour such as this and were investigating. 
I said two words to the Dr. who was in my room for not more than 2 minutes, he did nothing, my insurance paid the medical company around {$300.00} and I'm getting stuck with the scam! This can be referred to as nothing other than a scam because I was at the beginning told the fee was {$250.00} and now the collector is attempting to rip me off instead of the insurance company. This needs to stop! Please stand up for me and others who are being taken advantage of, please stop this scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to use the Bank of America Debit card to pay USPS for money order the payment didn't go through.  Date: XX/XX/2019 Amount XXXXBank never sent me replacement debit card for almost a year after expiry.Went to the bank they were not able to do anything and come back later or call in.Called Bank they said the debit card was cancelled  for non use few years ago. Concern: If I was in need of funds I wouldn't have ever have access to it as my debit card was cancelled without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX and my husband XXXX XXXX have a loan with Santander Consumer that we opened in XX/XX/XXXX and the loan was for {$12000.00}. 
Account # XXXX Account Balance {$9800.00} Request Payoff Quote Account Maturity XX/XX/XXXX As of today the loan amount is XXXX. This was a high interest loan. I received information that I was in the multi settlement file with the state attorney general office of Georgia, in XX/XX/XXXX. I have reached out to Santander with no help they have not changed the high fees that they charge even after the Law suit and I am a disable veteran and my husband is not working due to Covid 19. The company simply got a pat on the hand for misleading consumers. On XX/XX/XXXX The executives at Santander stated that I was included in the settlement but would only receive {$200.00}. I am outraged and furious that a company can be found dishonest in it practices but still able to rip off consumers. I am writing you because I need help. I have ask voluntary repossession because i can no longer pay for this any longer. The high interest rates that accumulate is unreasonable. For the last couple of years I thought I was simply crazy until this lawsuit came about. Now I know that I am not. Please help this consumer, by removing this from my credit report and getting rid of the way this company is practicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DISCOVER BANK
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 have submitted a previous complaint against Discover regarding this issue ( complaint id XXXX ). 

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them. 
I received a response XX/XX/XXXX which stated that they have closed my account, however are still stating that I am liable to pay the alleged debt and enclosed statements as their evidence. 
Not only has Discover Financial Services ( XXXX XXXX and XXXX XXXX disregarded my Request for Validation under the FDCPA on numerous occasions, they have now again claimed that the account and balance is valid with no evidence. 
If they are continuing to claim I owe them an alleged debt, they are required by law ( and in response to my Affidavit of Truth ) to show proof through validation of debt. 

These are my rights as a federally protected consumer through laws made by Congress and Discover is continuing to violate my consumer rights under Title 15 Chapter 41

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I logged in to make my monthly payment. Two days later, XX/XX/2020, Mr Cooper deducted another payment from my account. I had not gone in twice and submitted a duplicate payment. That is what they are saying must have happened. I use the bank account for this payment strictly to pay my mortgage and life insurance, and transfer they funds once I submit the payment. I have reached out since this happened to them, and have had almost no response. I incurred bank fees and a fee from them as well. They have reversed their fee but I want an answer as to how this happened. I also would like to see about getting a letter from them about the error to see if I can get my fees reversed. But no one responds or answers. The bank account is in both my name and my sisters, which will show on the attached statement. The mortgage is in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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: Information belongs to someone else

Complaint:
There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX  - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX  XXXX  XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX  - Inquiry date : XX/XX/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 2019-06-03
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was charged higher the normal on Finance charges. The car was financed at 26.29 %, Interest, Which doubled the cost of the car from {$15000.00} to {$30000.00}. From XX/XX/2013 To date, I have made payments on nothing but interest, and principal has not been paid down, despite additional payments and over payments, nothing has been applied towards the initial billing, Adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
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:
Account was paid ; however, tradeline have n't been removed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX according to our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient has called my brother, parents, and brother-n-law harassing them about my debt that is owed. I 've asked them repeatedly to not contact my family as this is an embarrassing subject. They call and harass me saying they will take legal action and that I need a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: VA
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 several fraudulent hard inquiries on my equifax credit report. Below are the fraudulent inquiries. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a car through Chase Auto. I was making my payments on time every month for two years. I had a financial hardship in XX/XX/2018 due to a loss of employment. Chase would not work with me to lower my payments. They repossessed my vehicle. My last payment was in XX/XX/2018. However Chase is reporting it as open and a late payment every month after they have charged it off. Now Chase just added XXXX to the balance.

Company response to consumer: Closed with explanation