BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by Infiniti Financial Services. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 Infiniti reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by Infiniti and at the suggestion of Infiniti used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. Infiniti credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that Infiniti reported me to the credit bureau ( s ) as being 30 days late. I contacted Infiniti and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, Infiniti has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX   with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if 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 2023-03-14
Company: ALLY FINANCIAL INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
This is my second complaint against Ally Auto. On XX/XX/XXXX I sought to pay off my vehicle. I was given incorrect account information and as a result XXXX was missing for over a month. After contacting CFPB, Ally returned my vehicle, retrieved the money, and provided me a PIF ( paid in full ) letter. XXXX XX/XX/XXXX, I received a letter from Ally basically trying to swindle me out of more money when my debt to them has already been paid. They lost my money, made me get a third party involved before they even attempted to find it!!!! Now they are threatening to hold onto my title until I pay more money that I actually dont owe!!! Its ridiculous how much they have tried to scam and get over on working citizens. I have included all previous paperwork along with what I recently received. I would this issue resolved indefinitely. I want Ally to give me my title. I would like this off my credit report and more updated paperwork from Ally stating they no longer hold ANY interest whatsoever on my vehicle.

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 2019-12-18
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital System located at XXXX XXXX XXXX at XXXX XXXX started a collection/derogatory remarks without sending an appropriate validation letter and allowing my lawful rights of 30 days to dispute the debt. I disputed the account with XXXX  whom removed the account within 48 hours, but XXXX XXXX is still conducting an investigation. This has caused a 34 point decrease to my credit score because the collector is unethical and believes they do not have to validate a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TD BANK US HOLDING COMPANY
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:
There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Innovative Funding Services, L.L.C.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020 XXXX ( innovative funding services ) improperly used a hard inquiry the gentleman that I spoke with stand by them said that I was approved for an amount to refinance a vehicle that is in my name and my daughter 's name because of the approval I he then said that he needed to speak with XXXX XXXX to see what the payoff would be that was given on the assurance of credit or funding loans to refinance as it turns out he falsely represented that his company was doing the payoff loan after after getting the information of the payoff he then wanted to pull from other companies I am formed him no I need them to remove the hard inquiry from innovative funding services off of my report ASAP the gentleman even added incorrect addresses on her report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: IL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 30 year fixed mortgage backed by XXXX XXXX with XXXX, Loan Number XXXX. I always pay on time, before the XXXX of each month. Recently, I have been charged a " convenience fee '' if payment is made between the XXXX and the XXXX of the month the payment is due, despite its timely payment for the month. 

I believe that this is an illegal fee. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07
Company: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2017, I was contacted my Quality Asset Recovery LLC about a medical debt that I can afford to pay but I am actively disputing in court ( the XXXX 's office has already been served with notice to appear in court and I'm assuming they put this into collections as retaliation ). The representative refused to tell me where she was calling from or why she was calling before I confirmed the personal information she already knew about me, which I eventually did after she declined to identify herself repeatedly. 

Eventually she told me I had an outstanding debt that I needed to pay and threatened multiple times that if I didn't pay it, it would affect my XXXX XXXX. When I finally got her to tell me, I learned representative 's name was XXXX XXXX. She made sure to threaten my XXXX XXXX one last time before she hung up.

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 2019-12-18
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently purchased tickets on XXXX, and I paid using PayPal, which I fund with my credit card. Despite having selected my credit card as my preferred payment method, PayPal pulled the funds from my stored balance. This is the type of sneaky tactic that PayPal used to pursue before it began advocating for consumer choice under the leadership of its new CEO. PayPal says that it wants to put its customers first and act as a consumer champion, but the company completely dismissed my complaint when I reached out both via email and phone. PayPal has gone out of its way to tell me that it would honor my preferred funding source and committed a misrepresentation by not honoring my choice. PayPal 's misrepresentation resulted a financial loss to me by preventing me from earning reward points on my credit card, and it resulted in a financial gain to PayPal by enabling PayPal to enjoy a lower funding cost than it would have had it honored my choice. 

In short, PayPal made a misrepresentation to me that resulted in my financial loss. Moreover, PayPal came to an agreement with Visa, Mastercard, and others in the payments ecosystem that it would honor consumer choice, and PayPal actions as described above suggest it is in violation of this agreement. PayPal 's actions also resulted in a financial loss to Visa and XXXX  XXXX XXXX, which would have been involved in processing the transaction had PayPal honored my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2018-09-11
Company: ALLY FINANCIAL INC.
State: IL
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an inquiry made by Ally bank on behalf of XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/2018 related to this application. AN official dispute of this inquiry was sent to Ally bank XX/XX/2018 and to XXXX XXXX XX/XX/2018. Ally bank replied that XXXX XXXX was the party responsible for inquiry removal ; this statement by Ally is incorrect according the FCRA and Ally is now in violation of FCRA guidelines and at this time are in violation of my client 's federal consumer rights.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2023-03-14
Company: Transfinancial Companies, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has a medical debt opened on XX/XX/2020 for a balance of {$290.00} reported as three different collections with each having their own account number. This is fraudulent, there is only one collection and I disputed it at least twice and each time I dispute the error the debt collector reports it again under a different account number adding another collection on my report for the same debt. Neither XXXX nor Transfinancial Companies will take accountability for this fraud. This is willful and intentional fraud and violation of the FCRA and my rights by both XXXX and the debt collection agency known as Transfinancial Compaines based out of XXXX XXXX Louisiana This is hurting my credit and my lending ability and I want them both held accountable and punished I will pursue a Federal Lawsuit if this is not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling XXXX XXXX to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! XXXX needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Their investigation did not fix an error on your report

Complaint:
Nissan Motor Credit has reported a late payment for for XX/XX/XXXX of more than 30 days late. In XX/XX/XXXX I contacted Nissan Motor Credit and asked for forbearance due to COVID 19 impact for 90 days. They honored it in XXXX but for XXXX they reported me as being late. I contacted them once I found out in XXXX and paid XXXX and XXXX and XXXX payment at once and asked them to correct this late reporting as it should have not been reported since the forbearance was due to COVID-19. I sent a certified letter to their home office per their instructions and requested the credit reporting update ASAP. It is not XX/XX/XXXX and to this date they have not done the correction. This has impacted my credit negatively. 
I have included the letter I had sent to Nissan Motor Credit asking for this correction.

Company response to consumer: Closed with explanation