BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX my old mortgage company XXXX XXXX XXXX, XXXX sold my current mortgage loan to Freedom Mortgage Corporation. Freedom notified me by mail that all future payments would be made to Freedom Mortgage Corporation, and they provided me with a new account number. They never indicated whether my payment date was changed from the XXXX of each month. With the new account information they provided, I created an online profile for Freedom and linked it to my XX/XX/XXXX account. I began making all my Mortgage e-payments to Freedom as agreed at the end of each month. On XXXX XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX, and I was denied financing for the total amount. I received a letter in the mail from XXXX stating the reason why I was denied. It said, Credit bureau report shows delinquent credit references, which was the reason for disapproval. I immediately pulled a copy of my credit report and checked it for inaccuracy. Freedom Mortgage reported two late payments to the credit bureaus dated XX/XX/XXXX and XX/XX/XXXX. I contacted Freedom disputing department and inquired about it. I informed them that this discrepancy was completely inaccurate based on all payments made by me on time and processed by my back XXXX. After a review with Freedom, who looked at my payment history from XXXX to XXXX. Freedom concurred that no payment was ever missed on my account. Freedom also permitted me to refinance my loan with them in XXXX for a better Annual Percentage Rate ( APR ) because my account was in excellent standing. Additionally, in XXXX of XXXX, they also offered me a reduction in my mortgage rate, which I took full advantage of. This account is currently closed because of my refinancing with Freedom. When I respectfully requested that they removed the late payments, their justification was, the payments were late, and due to the fair credit reporting act, they can not remove them. They informed me it must stay on my credit file for the entire seven-year duration until it falls off. Any help that you can provide will be greatly appreciated. This blemish has impacted my credit score and caused me to be subjected to financial bias.

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 2020-02-25
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: Public record information inaccurate

Complaint:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY CREDIT REPORT WHICH IS NOT 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 non-monetary relief
Consumer complaint received 2020-02-25
Company: Security Credit Services, LLC
State: NC
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:
Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via XXXX   to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
Company says XXXX and XXXX payments were 30days late. I paid both months no more than 7days late. They called and said I was a month behind and I ended up paying a month ahead and they will not acknowledge that. I have called several times trying to correct this report and they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I filed a complaint with CFPB on against Santander Consumer due to harassing phone calls, a illegal late payment practice, an inaccurate RTC letter and a fee schedule designed to never allow for payment to reduce principle. These predatory lending techniques have resulted in countless class action suits against Santander Consumer yet they continue to take advantage of the consumer with sub prime credit. My complaint was replied to by Santander on XX/XX/2020 my car became repossessed on XX/XX/2020. CFPB case number : XXXX-XXXX. In its response, Santander did not supply accurate and truthful answers to myself or the CFPB. Based on the companies violations of 32-1085, 44-286 and 32-1051 the company should be made to forfeit their claim to " any finance, delinquency or collection charge on the contract. '' 44-295. I am asking the CFPB tp assist me in taking action to first recover my car which was taken as retaliation for filing the complaint with CFPB. Upon recovery of the vehicle I would like to ask for assistance in bringing the loan into compliance with FDIC best practice and enforce any " sub-prime '' lending consequences against Santander Consumer.  My vehicle was taken during the night on XX/XX/2020 and now I am unable to get to work as there is no public transportation by my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SYNCHRONY FINANCIAL
State: FL
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:
The Penalty fee is too much. For only 4 days of late payment. 

Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: Resurgent Capital Services L.P.
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED EXPERIAN AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED EXPERIAN AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH XXXX XXXX, I CONTACTED XXXX XXXX THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.

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 2018-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have contacted EXPERIAN 6 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report

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 2019-01-30
Company: Harley Davidson Financial Services 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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent letters to Harley Davidson and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XX/XX/XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are  affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. Harley Davidson is still reporting this account as open on XXXX even though this account was paid off in XX/XX/XXXX. Both Harley Davidson and XXXX are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. XXXX received and signed for a certified letter on XX/XX/XXXX and Harley Davidson sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-02-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan through JP Morgan Chase Bank NA. My loan was paid off XX/XX/2020. I received a lien release letter on XX/XX/XXXX but I did not receive my title. I called JP Morgan Chase Bank and they said they do not send out titles. I sent in my lien release letter to the State of Texas. The title came back with the lien still on my vehicle. JP Morgan Chase Bank has refused to help. What is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
WHY is it that Experian & XXXX  have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!

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 2021-08-05
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent two debt validation letters to AmeriFinancial. The first validation letter was sent on XX/XX/2021. The company AmeriFinancial respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/2021 with was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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 that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-08-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has reported that I owe {$1100.00} with the listed account number as XXXX under my social security number. I have made 3 attempts to login to the National Credit systems website to both verify the debt and pay it. I have emailed the company with the issue that the website does not recognize my social security number, the account number the debt is reported under or the " exact amount owed '' listed on their web portal. 

The Original creditor listed is XXXX XXXX Apartments ; however the amount listed in my credit report does not match up to any communications by email or otherwise received from them. 

All communication needs to be via email for legal records purposes and ease of communication. I am located in XXXX and reasonable contact hours are not available from National credit systems. They have my email as I have emailed them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: MERCANTILE ADJUSTMENT BUREAU, 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: Was not notified of investigation status or results

Complaint:
Mercantile Adjustment Bureau negligently inserted an inaccurate, unverifiable, erroneous entry on my credit reports. In XX/XX/2021, I obtained a copy of my credit reports and noticed that this company has inserted an entry on my reports. However, I had never received any correspondence from them such as a dunning letter nor have I ever had a conversation with this company. Upon discovering this entry being added to my credit reports, I immediately disputed with Mercantile, ( see attached ). To date, I have not received any correspondence from this company. In my efforts to resolve this error and negligence on their part and to have it removed from my reports, I am requesting this entry be deleted immediately from the fact that Mercantile Adjustment violated my consumer rights. 

The entry on my reports reflect that Mercantile Adjustment reported this entry XX/XX/2021 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company.

Company response to consumer: Closed with explanation