BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
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:
In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ 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 This happened with all three dealers and involve XXXX XXXX, XXXX  and Experian credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately.

If you have any questions, you can contact me directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ACIMA CREDIT, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approx XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX I Attempted To Contact XXXX And Acima Credit FKA XXXX XXXX XXXX About An Account Thats Reporting Inaccurately On My Credit Report And Have Received No Real Assistance In Resolving This Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates 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 2018-03-06
Company: I.C. System, 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:
cra violation inaccurate information please remove asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Colony Brands, 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: Account information incorrect

Complaint:
When I had COVID they agreed that the account would not be reported late for XXXX of 2020 failure for this company to correct there promise will result in me taking the full action allowed by the CARES act of the UNITED STATES OF AMERICA and I wil discontinue any future payments until a resolution is decided by the local courts of law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2018-07-05
Company: Experian Information Solutions Inc.
State: MO
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:
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 )  XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX  (XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: MO
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:
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was made aware that I was being scammed by an illegitimate hard money lender company. The company requested fees to be paid upfront in exchange for the hard money loan. I filled out signed contracts and an loan application. I contacted Chase Bank on XX/XX/2022 to request to recall all wires sent to the various bank accounts because I was in fact being scammed. Chase initiated a wire recall for all wires on XXXX XXXX. The first wire was taken place on XX/XX/2022 in the amount of {$2500.00}. The second took place on XX/XX/2022 in the amount of {$5000.00}. The third on XX/XX/2022 in the amount of {$6000.00}. The fourth on XX/XX/2022 in the amount of {$3500.00}. The final transaction on XX/XX/2022 in the amount of {$2400.00}. Once the Chase received instructions from the receiving banks to provide them with a letter of indemnity or a hold harmless letter they have been giving me the runaround since then. All receiving banks requested the letter on XX/XX/2022. Chase wire investigation team told me to contact the fraud department to request a letter. On XX/XX/2022 I filed a claim for all wire transfers and was promised the customer claims department would contact me back and sorry for the constant transferral. No one contacted me. On XX/XX/2022 I was advised the fraud department would be taking control in recovering my funds. When I spoke with the fraud department the representative informed me my case wasnt fraud it was indeed scam and I paid money and didnt get what I expected and that was really on me. Fraud cant help me and I wont be receiving my money back. I was scammed and its nothing Chase can do about the situation. I then went inside of Chase bank branch and spoke with a banker there on XX/XX/2022. The banker then seen the distress I was under in trying to retrieve my funds and finally provided me with a letter although the reason none of the other departments could help with a letter of indemnity because Chase didnt have a template for one. I spoke with numerous representatives from fraud customer claims and inside the branch no one knew what a letter of indemnity was. Now Ive filled the letter out and constantly requested the letter be sent to the receiving banks for retrieval of the wires and nothing has been done. On XX/XX/2022 I was told to contact customer claims for an update on the hold harmless letter. But when I contact customer claims they have no idea what Im referring to and advise me to contact the wire investigation team. No progress has been made in the case of retrieving my wire transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent Letters to the CRA on these Dates : XXXX/XXXX/2020, XXXX/XXXX/2020, XX/XX/2020 Amount : {$3700.00} I am writing this due to non-compliance with the Credit Reporting Agency -Equifax They have failed to remove information that was affiliated with this account that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contact mortgage company PHH/XXXX XXXX XXXX on XX/XX/XXXX and was given instructions on how to get a payoff on my Shared Appreciation Mtg. On XX/XX/XXXX I sent all the documentation requested in the manner in which I was instructed. On XX/XX/XXXX I called customer service to confirm they received my paperwork. They confirmed that it was received and that my payoff would be faxed in 2-4 business day. On XX/XX/XXXX I called again since nothing was received and I was advised that it was scheduled to go out and that I would have it by XX/XX/XXXX at the latest. 
Needless to say it still has not been received. I called again this afternoon and spoke with an escalation manager who was to contact the Pay Off Dept. but could give me no further information. My closing, on the sale of this house is XX/XX/23, BUT the purchase of my new home is contingent upon showing the seller that I will have the necessary funds from my sale to purchase. They need to see the settlement statement in rough form showing the payoff etc. I am at the end of the period with less than 48 hours to go before I lose the house I wish to purchase. I do not understand why it takes 3 plus weeks to obtain a payoff on a mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: PA
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:
Reviewed Experian credit report ; Informatioin for XXXX XXXX   XXXX ( aka XXXX  XXXX XXXX XXXX ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XXXX, I submitted a dispute through Experian. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.

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 2020-08-26
Company: Santander Consumer USA 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:
When covid 19 started I contacted Chrysler about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His credit score dropped 20 points. 

I called Chrysler several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with XXXX. It came back with no change. 

This is not fair at all. I know the Chrysler system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXE XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX  XXXX balance {$64000.00} BANK OF AMERICA XXXX balance {$5700.00} PXXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

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 2021-11-01
Company: CITIBANK, N.A.
State: NC
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 reported fraudulent charges on my Macy American Express and the company is denying that fraud charges and billing me for the charges. I informed the company that my credit card information and identify was compromised online and I didn't authorize the charges.

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 2017-08-01
Company: Experian Information Solutions Inc.
State: MO
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 contacted Experian, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.

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