BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Dimand Law Offices, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Inform this law firm that the account did not belong to me Informed Dimand law firm that I do not reside in Illinois any more Inform the attorney that this matters was resolved with XXXX XXXX XXXX XXXX and it was removed from my credit report as fraud Still decided to sue me in XXXX XXXX XXXX for a debt I do not own Trying to sue me and collect income that is protected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that income is protected and they are still pursuing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX  # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!

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 2023-07-18
Company: JPMORGAN CHASE & CO.
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 0 % balance transfer and I keep making payment well over the minimum balance and any new charge balance and Chase is not applying it to the balance with an interest rate but applying it to the 0 % balance transfer. They told me there is no way for me to apply my payment to specific balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - 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 explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX correspondence was sent. Companies have not provided accurate information from their investigation.

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 2021-12-28
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XXXX, I bought my wife a XXXX  XXXX XXXX XXXX from a used car dealership- XXXX XXXX XXXX XXXX in XXXX XXXX From the moment my wife drove off he dealership the vehicle was not safe. It started to shutter and it got worse ; the brakes started to lock shut down the car while she was on the freeway driving. The battery was dead. She took the vehicle into XXXX for an oil change and the vehicle was diagnosed that it needed a new XXXX XXXX. On XXXX, I had the vehicle towed to the nearest XXXX  dealership in XXXX CA as it was not safe to drive and it has been there since. Today, I was informed they are not done with the diagnoses but at this point minimum to bring the vehicle to safe and working is $ 8k. FYI I also purchased an extended warranty ( approx. $ 4k ) from XXXX XXXX XXXX XXXX but they have failed to input my information so I am unable to use my Warranty as well. I have left several voicemail and emails for the owner XXXX XXXX, Title : Finance Manager : XXXX. I wish I would have recorded him. There is nothing wrong with this vehicle- LIE. You are getting the vehicle way below market price - LIE ( I actually over paid by approx $ 11k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: JPMORGAN CHASE & CO.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Slate account ending in XXXX A dispute in the amount of XXXX XXXX XXXX XXXX XXXX has been on going for several weeks now, it was initially disputed in XXXX, closed by Chase and subsequently reopened, still no resolution. The account was paid off less the dispute amount of XXXX which does not include interest and fees associated with charge, additional interest has been charged as the account has cycled. A payment was due which has been made for XXXX in the amount of XXXX. Please note, the total charge from merchant is actually XXXX. An of XXXX was charged to my debit card with XXXX XXXX XXXX, which was also disputed and has since been resolved as a credit was issued by XXXX XXXX and is now permanent. Chase has not resolved it on their end. As I stated before and again here, the item XXXX XXXX ) were delivered to wrong address, signed for by someone else. A person by the name of XXXX XXXX signed for the package, Chase reps in both claims and their executive office have this information and again, they have not reached resolution to date. The package was delivered on XXXX, I was not at home on this date. Once Chase reaches a resolution, I need a check for payment I made of XXXX plus interest and fees associated with charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 u.s.c 1681. 

Account name : # XXXX, XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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.

15u.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 2021-10-09
Company: Experian Information Solutions Inc.
State: GA
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 have submitted several disputes with Experian. Trey cant seem to get it right. My vehicle loan is incorrect. I paid a total of {$970.00} to XXXX, however Experian will not update. Trey will just close the dispute and block me from resubmitting, even after they close the original dispute. I have also requested information on a duplicate XXXX XXXX account. This account has XXXX payment history on it which is questionable.

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 2020-09-19
Company: Experian Information Solutions 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:
XXXX has a collection on all 3 accounts of XXXX dollars but I dont know where that came from. Im a current XXXX wireless company right now. So I dont see how Im a current customer but have a collection with the company. Please remove from a credit reports or get them to show verifiable information and how they verified

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 2023-07-18
Company: EQUIFAX, 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 status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are many mistakes appear in my report without my understanding.

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 2017-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I, XXXX XXXX, filed CFPB complaint number XXXX. The complaint involved Bank of America not responding to a Qualified Written Request for loan documents related a HELOC we have with Bank of America. XXXX XXXXnformation : Lendees : XXXX XXXX and XXXX XXXX Lender : Bank of America Loan Number : XXXX As a result of the complaint Bank of America provided the signed documents. However, Bank of America claims that {$160000.00} is the maximum amount that was available for borrowing on the HELOC and that my wife and I owe approximately {$160000.00} of that amount. The signed documents only indicate an amount of {$130000.00} as the maximum that can be borrowed against the equity of the home we own. They have not provided any signed documents that the maximum amount of the HELOC is {$160000.00}.

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 non-monetary relief
Consumer complaint received 2019-08-26
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-07-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2020-10-21
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I bought a truck on XX/XX/XXXX with the loan lending company Westlake Financial Services. The truck was repossessed in XXXX and paid in full on XX/XX/XXXX when the account closed. I actually obtained money back due to overpayment of the account and was written a check by this company. I opened a dispute on XX/XX/XXXX for inaccurate information. On XX/XX/XXXX in retaliation for disputing information on my credit report Westlake put false information in order to drop my credit score over 70 points. Even though the account was closed on XX/XX/XXXX they placed my account back into repossession status for the months of XX/XX/XXXX, then again placed it negative in XXXX and XX/XX/XXXX. This is illegal and something should be done! Because they lied and placed my account in repossession twice after it was closed it has hurt my credit and kept me unable to get a mortgage. With all three credit companies they placed this false information and added the remarks that my account status was in active repossession and late by over 90 days on XX/XX/XXXX in clear retaliation. They flagged my account was delinquent saying there was missing payments. After making yet another dispute for false and inaccurate information they removed the remark on XX/XX/XXXX and closed the account and changed the account that all payments were caught up. It says I have made payments well into XX/XX/XXXX when the account was closed on XX/XX/XXXX. All of this is a violation of the FCRA, and the account should be removed completely from my credit report because of their illegal actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$490.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-24
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-09-19
Company: U.S. Collections West, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX- This " Collections Agency '' is rude and unprofessional. I called XX/XX/XXXX regarding a report on my credit for XXXX XXXX that I was unaware of. When I called I spoke to a rude man by the name of XXXX he told me that I owe a small balance of {$430.00}. I did inform him that I never even knew I had a balance that the apartment complex never contacted me and I even updated my address and have the same phone number. If I knew I had a balance of {$370.00} I would have paid it. I asked him how many times I was called regarding this debt. He informed me 2 times, one time in XXXX and another in XXXX keep in mind I moved out XX/XX/XXXX. I asked him why I was only called 2 times. He basically informed me that my account was small and he had other bigger accounts that needed to be collected. He said let me ask you a question how many times did you call to get your deposit back he said " if that was my {$400.00} deposit I would be calling everyday. '' I requested to speak with his boss to complain about his horrible customer service he then passed me to XXXX. I Informed XXXX of how disrespectful his employee was being to me and told him I work in collections and I would never speak to anybody the way XXXX spoke to me when I was the one calling trying to resolve this debt that I knew nothing about. He informed me he will monitor our call but I still am responsible to pay. He also told me its not his job to monitor my credit that if I would have ran my credit I would have seen it advised him that I do not even have a credit card and if I did owe you would think that they would call me more then 2 times in 4 years what kind of collection agency does that. Advised I have no problem paying it because I need it to be removed off my credit. So I go personally down to the office to pay debt in full and he then tells me he can not provide me a letter stating it will be removed or deleted. I was willing to pay off my debt but he was unwilling to provide me a letter that states when i payoff balance it will be removed or deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This company charges an inordinate amount of monthly fees on a basic line of credit. They are essentially taking XXXX dollars a month from me from a XXXX loan. I have never seen such a predatory company and am surprised they can give XXXX percent interest loans without any government interference. This is predatory at best and criminal at worst.

Company response to consumer: Closed with explanation