BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: RI
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 request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reported on my account : XXXX  XXXX Date Opened : XX/XX/2021 Balance Owed : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card was in good standing for 24 years. I never had a late or missing payment. The yearly {$75.00} fee for the card came due but my checking account was not linked to the card for reasons I do not understand - I had linked it before and had a small deposit in my account to verify the account. I never received notice that my yearly fee was past due until XX/XX/XXXX - 5 days after the account was closed by Bank of America ( the payment reminder was dated XX/XX/XXXX ). I never received emails stating a payment was missed either. As a result my longest credit card was cancelled and my credit score was reduced by XXXX points from XXXX to 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 monetary relief
Consumer complaint received 2020-11-09
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a collection on my credit that is already paid off that I would like to be taken off the collection is paid in full with, SOUTHWEST CREDIT SYS Originally XXXX XXXX XXXX XXXX Could please help me remove this off of my credit reports they are also still calling me to collect when the debt is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs 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 2022-03-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Sensible Auto Lending, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When my divorce was final on XX/XX/2021, the judge ordered that the auto loan was NOT my responsibility. I'm attaching my divorce decree. I submitted this to Sensible Auto and they refused to stop reporting on my credit report and now I have a repossession on my report. 
I asked them what I could do and they told me to refinance with a third-party to pay off the loan, HOWEVER, there are no third parties that will refinance a {$0.00} XXXX XXXX loan which is what they show I owe. I'm attaching the transaction information they sent me which shows I owe {$0.00}. 
So now I'm stuck with NOTHING I can do except beg for your help because there is NOTHING I can do to have this removed from my credit report although they KNOW it's not my debt, I've given them proof AND according to them I don't owe anything after they'd sold it!!!!! 
I don't know what to do anymore. This isn't fair at all! No one cares! I can't move forward with my life because they won't do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our complaint is against Chase Bank. We do not have a mortgage with Chase, but have been waiting on Chase to act on a land swap that concerns a mortgage they hold. 

History : We entered into a real estate contract to purchase the property on XX/XX/2019. Part of the title work required that the property be surveyed. The survey revealed some problems with the boundaries and, as a result, the surveyor reset the property boundaries to address these problems. This movement of boundaries required that Chase, the mortgage holder on the adjacent property, sign off on the land swap. The movement of the boundaries did not diminish the amount of land associated with the property on which Chase holds a mortgage. In fact, the size of the property increased slightly. We only require that they sign off on the new legal description so that we can close on the property. 

The title company and real estate agent have provided all documentation Chase has asked for, and in some cases, have provided the same documents several times. There has been no movement on this requirement on Chase 's part, and we are now almost 1 1/2 years later, still waiting on Chase to approve the new legal description. 

This delay has caused financial and emotional stress for all parties, and still there seems to be no interest on Chase 's part to provide the approval needed to close on the real estate contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank Of America released {$11.00} that I did not charge to XXXX XXXX XXXX. I have yet to be refunded by Bank of America Bank of America denied me before the Customer Dispute Form Came. 

XXXX XXXX, 2017 the came the Dispute form came 2 days after I have uploaded proof of the letters Its nothing but a rip off by Bank of America and 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 2022-03-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Per HIPPA an individual 's personal information is just that, private, personal and isn't supposed to be just handed out freely to anyone without patient consent whether it's health related or financial. I personally haven't given Anyone permission to share anything about my medical history, medical financial info, medical procedures, codes, or anything else medical. This kind of information should Not be shared with Anyone that isn't directly relevant medically. All credit bureaus should have to reject this type information sent to them! HIPPA was put in place for a reason! Patients have the right to keep any and all information regarding medical information, financial strictly private!!

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 2022-02-15
Company: Experian Information Solutions Inc.
State: NY
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:
1. Experian is reporting inaccurately XXXX XXXX XXXX XXXX XXXX account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX is a paid account.

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 2018-06-04
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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:
When speaking to a representative within the company during the after purchase of the vehicle it was deemed we were sold a lemon vehicle. The vehicle after one month which was XX/XX/XXXX of owning the vehicle electrical system went out in the vehicle and the car locked anyone out from usage. Secondly once reaching out to the company they told us it was our own problem and that it wasn't covered under warranty, so we got that fixed once fixed the car transmission began going out as well as the engine in the car began giving problems. One time the car shut itself off during a drive and could not be started. This occurredXX/XX/XXXX and when reaching out to the company every time was told its not their problem or fault in fact that they will get their money regardless. On XX/XX/XXXX Was the final incident with the car when it would not start and the entire system locked itself out, we had been having issues over and over with the vehicle with warranties and the company just does not seem to help. The vehicle carried flood damage as well as it carried previous accident problems that was not informed and brought to us. The vehicle was still covered under warranty and still was not offered assistance and the finance company refused to help. When giving the car back not only did the company resale the car for over market value, we were not informed of the sale until a month later which it carried a balance they reported to the credit bureau that we were late. The remaining balance should not be due to the fact the company used the Gap insurance and sold the vehicle well over value, but still wants to collect when there is no need to. We will never do business with credit acceptance again.

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 2022-02-15
Company: CCS Financial Services, Inc.
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:
I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXXXXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CAINE & WEINER COMPANY, 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:
This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of Kansas ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter 7 in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter 7 has now lapsed.

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 2022-02-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
Date of Closure XX/XX/2019, from bank I have never heard of. The reason for reporting was account abuse the amount of the charge off is {$240.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have placed a credit alert on my credit profile with all three credit reporting agencies when I was a victim of ID these with the XXXX I recently applied for credit with XXXX and XXXX to get new service, and I was denied credit and was required to give a deposit. I have a credit score on average XXXX out of XXXX, I recently applied for credit with XXXX a month ago and I was approved with a credit limit of {$22000.00}. The issue I am coming across with XXXX, XXXX and Equaifax, that my security alert on my file is automatically denying me credit. I called Equaifax and now they can not find my credit report and It is really annoying that I have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is reporting over $ XXXX in debt on all three of my credit reports. I contact the company on XXXX XXXX to get validation of the 6 debts and never received said information. On XXXX XXXX, XXXX I sent another letter certified listing several items that I was looking for to validate the debts.In addition, I contacted both the original XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX to get clarity of the debts and they both said they did n't have any debts in my name and when I asked about my daughter they could n't find said information as well. State Collection Services sent me a itemized list of specific medical procedures and dollar amounts of said procedures that they list was supposed to have been preformed on my daughter when she was a minor. ( HIPPA Violation ) they never sent a signed copy of my alleged signature authorizing said procedures or agreeing to pay for these debts nor have the company provided something proving to me that they have permission to collect on said debt as the original creditors listed above states they never provided State Collection with debts nor my daughters personal information in which they have. I have never authorized a third party permission to look at nor receive personal information on my daughter nor myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of XXXX ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I originally contacted AmeriSave Mortgage Corporation on XX/XX/2020 to arrange for a refinance of my current mortgage. That was 177 days ago and I have received numerous Closing Disclosures from them but no arrangements have been made to close the loan. I have a minimum of {$500.00} invested with them as an application fee, however, I had to pay other fees that bring the total up to more like {$800.00}. I have been communicating via phone and email with either XXXX XXXX XXXX XXXX XXXX XXXX ) the loan originator or XXXX XXXX ( XXXX XXXX ) the processor. The bottom line is that the lender is not performing. Attached is my latest Closing Disclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought a machine thru XXXX and paid with PayPal. The seller sent me a COMPLETELY different machine than what I ordered and not only is it not what I ordered the machine I received is broken. I have gone back and forth since the day I received the machine with the seller, XXXX and ultimately filed a dispute with PayPal on XX/XX/. PayPal has pushed the resolution date back 14 times and is allowing fraud. Ive been given every excuse in the book even after Ive sent countless photos, videos to prove what I ordered and what I received are not the same and the machine is non functional. The seller finally agreed to refund if I sent the machine back but has given a non deliverable return address, again Ive screenshoted that the address provided is not a valid address to PayPal six times and theyve done nothing but protect this fraudulent seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
I WAS LOOKING INTO MY STATEMENTS AND FOUND A CHARGE WITH THE HELP OF MY FRIEND THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THE MERCHANT IS. FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. MY FRIEND AND I CALLED THE CREDIT CARD COMPANY FOR XXXX AND SPOKE TO XXXX XXXX WHO WAS SO MEAN AND NASTY TO ME AND TOLD ME I DID MAKE THIS CHARGE WHEN I DID NOT. I ASKED TO BE TRANSFERED TO HER XXXX AND SHE DISCONNECTED THE CALL. I AM A XXXX CITIZEN AND I CAN AFFORD TO PAY FOR THINGS I DID NOT AUTHORIZE AND ITS A ALMOST XXXX CHARGE. PLEASE HELP ME GET MY MONEY BACK. I AM LOOKING INTO MORE OF MY STATMENTS TO SEE IF THERE ARE ANY OTHER CHARGES ON MY ACCOUNT. PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, equifax and XXXX show Hard inquiries on my credit scores and Summary.

Company response to consumer: Closed with explanation