BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

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 2020-05-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit Acceptance reported to my credit report that I was 2 months behind after I called to set up forbearance from being impacted by the pandemic they are telling customers that they doesnt do forbearance on their contracts. But did advise me that they will not be submitting and late accounts to the credit bureau. Well on XX/XX/XXXXthey reported that I was 60days late on my report. How am I 60 days late when my car payment was made in XXXX and the pandemic started XX/XX/XXXX they were contacted.

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 2023-03-04
Company: YSA ARM LLC DBA Oxygen XL
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: Account information incorrect

Complaint:
XXXX has denied my dispute for the following company XXXX XXXX XXXX Oxygen Recovery Group ). This company has an open lawsuit in the state of NY for this reason. XXXX is ignoring all the facts put forward by me XXXX. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office XXXX XXXX is under my company XXXX XXXX XXXX XXXX XXXX XXXX office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that XXXX remove this entry by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Alpine Credit, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alpine credit inc is listed on my collections for a XXXX bill from a medical facility in Colorado. I have never visited or lived in Colorado. I contacted alpine and they were very rude and said they got my info from the facility. I contacted the facility and they said they only provided a name to the credit agency ( which is not mine ) and they did not provide an SSN. Alpine is incorrectly pulling my ssn and linking me to this bill. I have already disputed through XXXX and XXXX and had the collection removed. XXXX  hasnt removed it yet and asked for a copy of my ssn and drivers license as alpine is still convinced this bill belongs to me. I believe alpine is using incorrect search methods to link bill to people they do not belong to with limited search info. Online searches for the area of Colorado pulls up someone with the exact name on the bill they say is mine. I live in Arizona and have all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
A letter was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-02-22
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

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 2020-05-29
Company: USCB Corporation
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in XXXX XXXX XXXX in XX/XX/2019. In XXXX of XX/XX/2019, I had to take a medical withdrawal. I hadn't even completed half the semester. The school charged me for the entire semester and transferred the debt to USCB Corporation. I have since contacted the school and they have agreed that I was inaccurately charged. Now USCB Corp has closed the account on my credit reports but not deleted it like it should be.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: MO
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 was never late payment account was paid off as reflected by my proof. XXXX reported account was current and no past due. However Experian and XXXX does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. XXXX and Experian are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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 2018-12-13
Company: Linebarger Goggan Blair & Sampson LLP
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Linebarger, Goggan, Blair & Sampson, XXXX XXXX, XXXX  XXXX XXXX  XXXX, NY XXXX. Sent a letter on XX/XX/2018 claiming that {$55.00} was owed on behalf of the New York State XXXX XXXX for a trip over the XXXX XXXX XXXX. The notice does not specify the date of the supposed trip. The {$55.00} dollar amount consists of the fee of {$5.00} plus a {$50.00} late fee. I never received any notice of the original {$5.00} fee and I can not therefore determine whether I am being billed for a trip that even occurred. Also, since I did not receive the initial bill I should not be subject to an arbitraryu imposed late fee that is 20 times the amount of the supposed underlying unpaid debt.

When I called to attempt to discuss this with the law firms collection agent, he was condescending and dismissive of any attempt to discuss the validity of the supposed debt and insisted that unless payment of the full amount claimed to be owing was required or I would not be able to register my car. I dont live in live in New York State and I am fairly certain New York State has zero ability to restrict my ability to register my vehicle in my state. I believe this statement to be a material falsehood and an effort to bully and intimidate me into paying an illegitimate and overinflated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing electric car chargers from a person on a XXXX group. I used XXXX at my Chase bank to transfer money. I have not received shipping information nor do I expect to at this point. 
How can Chase be allowed to promote a service where there is no recourse for getting scammed? If I use a debit card I can get recourse. If I use a credit card I can get recourse. How is this different?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with Citi/Cbna. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Citi/Cbna with no successful resolution. XXXX only reporting me late.

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 2021-05-07
Company: Nelnet, Inc.
State: HI
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 had a hard inquiry done on XX/XX/2021 stating that my credit report showed numerous accounts for my student loans. Then on XX/XX/2021 I received a letter from Nelnet stating that my XXXX XXXX Stafford-Unsub students loans had a balance of {$6000.00} and a XXXX XXXX XXXX student loan had a balance of {$3400.00} totaling up to {$9400.00}. However my award history from the University of XXXX XXXX statement shows I was awarded in XXXX Federal Direct Sub Loan for {$1700.00} and XXXX XXXX Unsub loan for {$3000.00} a total of {$4700.00}. However according to my credit report stating that I had a derogatory remarks and past due amounts of {$5400.00}. I am fusion I am losing the opportunity to buy a home and a government down payment assistance grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We have an issue with the mortgage attached for the loan under XXXX for over a XXXX XXXX. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as XXXX. We have almost XXXX properties like this. XXXX stands as XXXX  so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXXXXXX XXXX personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a 5 year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.

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 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I were solicited by XXXX XXXX XXXX Bank of America XXXX for a better rate with potential of thousands in savings and the best ever rate on our Home Equity Loan. She promised an smooth fast and solid experience, but instead, Bank of America after running our credit reports ( mine with the wrong last name ) without our consent and without even going through the documentation they refused the loan. 
In addition, XXXX XXXX boss XXXX XXXX XXXX requested that I have to provide reports from all three credit bureaus and he is playing hard ball. Never even apologized, and tried to blame my credit retreval failure to the freeze of my credit account ( my wife 's account has a freeze too, but were able to obtain her credit score-attached, XXXX never disclosed anything about removing a freeze and we were not there anyway, never signed any documents to approve anything ). 
I personally feel that I was discriminated and I can see that there is a conflict of interest giving us the opportunity to save money. We never missed a payment, and we have multiple accounts with Bank of America, and this is not the first time we believe that we have been discriminated. 
We feel they were never intended to approve our application, although our credit is excellent, and we have a lot of equity in our home. There is no absolutely any excuse to deny our application. According to XXXX XXXX, our savings just up to end of XXXX would be about {$1000.00}, but instead we funded 2 monthly payments so far of approx. {$3000.00}. We are seeking legal advice for damages we have suffered, these people are licensed and have obligations. People responsible for our losses and frustration must be help accountable!

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