BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yes here it is again this same company whom I have repeatedly advised to stop calling my number and now it is a different person calling me from North American Credit Services, this woman stated that her name was XXXX. These calls are disrupting my family. I advised them that I do not have any income at this moment to pay anything. Now they call all times throughout the day and I want them to respect my family members and stop calling their phone. Before hand it was 3 gentleman, now it is a woman. Sometimes they call after hours at night and I immediately ask them to stop. If I have no income of which I explain that to them then I can not pay anything.The phone number that XXXX call me from on XX/XX/2018 was XXXX, yesterday the number XXXX XXXX. The dates were Wednesday XX/XX/2018 at XXXX XXXX, then continuously again today and now they are calling me from different numbers. They call me back in XX/XX/2018 at XXXX. Sometimes the calls are coming thru all thru out the evening from this same company and I want it stop immediately. From the telephone number of XXXX, they call my number 5 times. XX/XX/2018 at XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX between hours of XXXX XXXX and XXXX and then a second time XX/XX/2018 at XXXX. I have ask them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: CARD Corporation
State: PA
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:
I am contacting y'all back about XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX for my disputes for XXXX that need to be reopened I had contacted last week and they told me they can't refund the card if they do it might be billed a fee because the payments are old and they say they will send me a check in the mail but I never got them checks in the mail from them I been calling the manager and emailing him or her and he or she is not calling me or email me back and I want y'all to reopen the dispute and credit back both payments for me and I got proof by a XX/XX/XXXXcase from them saying my service was canceled and they refunded me but I did not get my refund in the mail and I been waiting a whole week now and I want both payments to be credit back on the card for me. XXXX XXXX XX/XX/XXXX Mid-South XX/XX/XXXX CASE # XXXX To whom it may concern, Thank you for bringing this situation to our attention. I have talked with the customer and informed her that we are addressing her refund. We will refund her for the charges that were made to her credit card on XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX in the amount of {$110.00}. For a total refund of {$180.00} for the service was that she canceled on XX/XX/XXXX. If there are any further questions or concerns, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX Branch ManagerXX/XX/XXXX XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX  XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date XX/XX/XXXX, XXXX Inuiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a personal savings account with American Express. I received an automated email mentioning about address change. I had not requested this address change. Upon calling the bank, they changed the address back but dismissed the urgency of this issue. I kept insisting on investigation with defined timeline and reporting to me but the bank refused to commit to this. It also turned out that the address that the bank changed to is of their wire department. This deliberate change of address suggests that the bank was trying to quietly take money away from my account. 

Following this issue, I spoke with the bank 's customer representatives twice. I requested to speak with supervisor but was not allowed to speak with supervisor. When I requested for call back by the supervisor, I was assured a call within 48 hours but that has not happened either. It is clear that the bank is trying to dismiss a serious issue of unauthorized bank changes. I also told the representative that I will complain to CFPB if there is no investigation with defined timeline and resolution but the bank was indifferent to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to get a home loan on or around the month of XX/XX/2019 in doing so the lender informed me that I am not receiving a credit report from equifax. Equifax informed me that there is fraud alert but says my answers to access the account is not accurate. To resolve this they told me to mail over a copy of my social security card, drivers license and a cover letter of what I wish to be accomplished in doing so twice they said they never received the documents to this day it still has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled out this debt and it is still reporting as I owe. I have disputed several times and requested them to update with NOTHING being done. 

THD/CBNA XXXX {$3800.00} balance

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-11-01
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I received a call from Santander I had a conversation with the representative and she said if I paid on that day {$400.00} that they wouldnt repossess the car for the entire month of XXXX and I explain to them that Im selling my home in XXXX and I would be able to pay off the car in XXXX. On XX/XX/XXXX they repossessed the car when I called try to get them to work with me if they refuse to work with me anymore after the car was repossessed and they even acknowledged that they saw the note saying that they wouldnt repossessed the car in XXXX but they did it anyways I had a verbal agreement they admitted that they had a verbal agreement and broke the verbal agreement anyways I would like our car back I would like back pay for the rental cars weve had to get it also has cost us to not be able to close on our house as soon as you want to because we couldnt get to the bank to sign paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Genesis FS Card Services, 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:
Payment was sent to XXXX XXXX account and it was applied to to separate other XXXX sister companies. Without my permission those XXXX payments went somewhere else. Caused late fees ( but those sister companies held my money until I investigated where my money went to. It was sent back to me after 2 months and now the credit report is reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2021-03-02
Company: DISCOVER BANK
State: NV
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:
My Discover Fin Svcs card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to Discover and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to Discover and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a solicitation call with an offer to refinance from Freedom Mortgage loan rep XXXX XXXX on XX/XX/XXXX. I called back to act on the offer and was referred to XXXX XXXX who took the info and initiated the loan. Few days later I got a phone call to schedule the sign date with notary agent. That was the only time I was asked if I had any questions. We set and appointment on XX/XX/2020 at XXXX for notary agent to come to our home for us to sign new loan agreement. I was expecting closing disclosure prior the appointment to sign date on XX/XX/2020. We should had at least 3 days to review it and contact to ask questions. When didn't get our new agreement to review - I called and left several messages in period from XX/XX/XXXX and made last attempt to get any information about charges and fees during the appointment on XX/XX/XXXX, as the notary agent brought 2 copies of the loan agreement with her. None of those calls were returned and I made more then 2 dozen of them and left notes and messages to 10 different people. 
In the new loan agreement we've got from notary agent our loan amount was increased by {$2800.00}, there were fees that were not spelled clearly and their amount was different from {$690.00} that we were informed by. Our closing disclosure had XXXX XXXX XXXX as a contact, we never spoke to that person either. 
XX/XX/XXXX I got an e-mail from XXXX XXXX ( Escalations Team Agent ph # XXXX ) with an offer to give her a call. I tried to call, left several voice messages, replied to e-mail but got no rely or call back. I also sent a copy of that e-mail to her supervisor XXXX XXXX and left him voice messages several times ( on XX/XX/XXXX and XXXX ) with the same result. My last communication attempt was XX/XX/2020. That is 3 months of me calling Freedom Mortgage and them not returning my calls.

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 2019-06-05
Company: FORD MOTOR CREDIT CO.
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: Problem with personal statement of dispute

Complaint:
I have disputed this account for over six months keep getting the same answer, I don't understand how they can verify it with the Burea but when I called they had know information on the account, ... I was never late XX/XX/2016, and how is there a monthly payment of XXXX on a closed account ... im requesting a deletion of this account..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: TN
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 reporting negatively on my account. I sent the credit bureau a copy of my contract with XXXX AND NOT XXXX XXXX and they just updated the loan. XXXX and XXXX XXXX can not be report together. They are not the same company. When contacting XXXX they acknowledged that I have no account t with them. XXXX XXXX ALSO ACCELERATED MY LOAN WHILE I WAS ON XXXX XXXX WHICH IS IN VIOLATION OF THE SCRA LAW. I want to know how Experian validated this contact. I want to know what procedures did they follow to ensure that this loan was accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX. My XXXX XXXX XXXX Lease Expires. I leased a new XXXX XXXX XXXX. XXXX  changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. Nissan Motor Acceptance Corporation and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with Nissan Motor Acceptance Corporation, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by Covid-19. 

I have pleaded with Nissan to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. Nissan and XXXX  are extremely difficult to communicate. They w

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to fcra collection agency need to provide legal documents that prove I am legally responsible for this debt. I require them to send me the signed agreement with my signature on it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Account status incorrect

Complaint:
I have already sent it letters asking the credit bureaus to remove this information and theyve failed to do so in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: LEXISNEXIS
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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation