BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just would like to start off to say I am a victim of identity theft and I was noticing when I pulled up my credit report that I had a collection agency on there that I 've never done business with ever in my life ccs collections. They are collecting for XXXX XXXX company which I 've never did business with in my life. A few years back my identity was stolen and social security card and everything. I have tried to dispute this many times but the company is violating my consumer protection rights under the FRA Act. Please have them remove this off my credit and delete it I have not done any business at all with this company and I know for sure that I 've never had XXXX XXXX as well this is all fraudulent and I would like this to be removed immediately thank you the next step would be taking this to the attorney general office to file charges on the Creditor company of the LLC and member of management for violating my consumer rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI IS TRYING TO COLLECT A DEBT THAT ISNT MINE FOR XXXX DOLLARS ON BEHAVE OF XXXX XXXX XXXX. I HAVE NEVER HAD ACCOUNT WITH XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2018-07-06
Company: Ronald H. Reynolds, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ronald Reynolds is collecting money but stated by his letter the account was recalled by the creditor. He sends some print out sheet that's no more than fraud and has numbers of money received is over {$200.00} dollars per week and some weeks as much as {$270.00} with 3 different amounts running on the same case and nothing but deceptive and XXXX can verify the small amounts he has on some power point created sheet is not any proof as MY XXXX   statements show with nothing but fraud on his part. He can not dispute XXXX amounts. Ronald Reynolds should be investigated and how many other clients been rip off by his accountant methods. He never replies back to any dispute and XXXX can verify proof of his fraud and I have weekly print outs as proof he is no more than the modern day fraud on his part. The other law firm XXXX relied back as to they sent the account back as he was suppose to be there attorney. Ronald Reynolds should be investigated and his accountant methods as to how many people he rip off. He has no morals of no kind. I have also filed with other avenues to investigate him and XXXX XXXX XXXX   I will keep filing on Ronald Reynolds on other agencies on his  practices. he does not reply to disputes or nothing just collecting money he can to survive and mislead and deceptive in many ways. He was not giving XXXX XXXX XXXX the right amount of money and should be bought to attention as nothing but greed and lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Skrill USA, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have received an unsolicited email that implies I owe money to a company ( Skrill? ) I have no relationship with, and have never heard of before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. 
Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Yamaha Motor Finance Corporation USA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am a co-borrower on a loan with XXXX XXXX, which was purchased by Yamaha Motor Finance and my loan was transferred to the new company. The borrower is my ex-husband and he filed for bankruptcy in XX/XX/2020. At that time, I had a registered online account using my email address, from which I made monthly, automatic online payments. Without notification to me, Yamaha canceled these payments and my loan went into default. To date, Yamaha never notified me that they stopped the payments and then began reporting the payments as late to the credit bureaus, negatively impacting my credit. I contacted them to resolve this and after much trouble, they finally removed the reporting and allowed me to pay the amount due. 

Yamaha has disabled the payment function from my online account and will not enable it because they say that XXXX XXXX my ex-husband ) is the only one with access. No matter how many times I explain to them that he filed bankruptcy, they play XXXX and tell me that I have no legal rights because I am a co-borrower. It is clear that Yamaha does not understand the legal definition of co-borrower, nor the difference between a co-borrower and co-signer. I believe Yamaha is in violation of the Truth In Lending Act, among other federal regulations and want to take action against them. I previously filed a complaint with the CFPB and XXXX  and Yamaha dismisses the complaints by saying, " we'll send a letter to the borrower, '' but the letter says nothing and they only address it to XXXX. One of their representatives even advised me to violate federal law and open mail addressed to XXXX! They are a horrible company and are not treating me fairly as a borrower and now sole person responsible. 

I believe Yamaha is in violation of the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Electronic Fund Transfer Act all because I am an UNMARRIED FEMALE. Yamaha is discriminating against me by treating me, an unmarried female, differently than they treat the male borrower under the guise of claiming that it is because I am a co-borrower. Legally, there is no difference and we are both entitled to the same rights. The boat is titled XXXX OR XXXX XXXX, and therefore we have the same legal rights. 
PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Chase fraud department called me claiming that I need to call them back, call originated from XXXX to call back XXXX and give the reference number XXXX Both numbers state chase is presently closed both numbers come back as chase numbers and now chase is denying these numbers are theres I have no chase accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired Lexington Law for credit repair on XX/XX/XXXX, XXXX their service was terminated XX/XX/2021. 
I paid them {$55.00}. 
I asked them to cancel service because they did not provide me with copies of letters that they claimed to have sent out on my behalf. I had to argue with the paralegal -she refused to allow me to speak with a supervisor. When she refused to provide copies of what was allegedly sent on my behalf and refused to allow me to speak with a supervisor, I terminated their services. 
I received an email stating I would have access to my client portal for 60 days. They then shut down my access to the client portal. 
I was not seeing anything happening to indicate that Lexington Law had actually done any work ; they refused to speak with me. I filed a complaint with the XXXX  and today they sent me copies of what they allegedly sent on my behalf. 
Instead of mailing the letters so that I would not give up any of my rights -these lawyers filed disputes and challenges electronically. Their proof of work performed does not indicate beyond a reasonable doubt that they filed anything at all on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.

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 2021-07-07
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: Information belongs to someone else

Complaint:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. 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 2020-01-27
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 information incorrect

Complaint:
I send 2 letters disputing inaccurate information on my credit report and they never responded within the 30 days like the law require

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To : Experian Credit Bureau From : XXXX XXXX XXXX XXXX Subj : Reason for XXXX FICO Score Note : This has nothing to do with an investigation, per se, there aren't enough selections to choose from that fit my complaint. This is about correcting my FICO score to fit my credit report that is EXCEPTIONAL> To whom it may concern, I am writing you today for an explanation on why my FICO score is at XXXX? According to my credit report, I am an exceptional consumer : I have no late payments, I keep my credit usage low, and I have no derogatory items. This is an example of an exceptional consumer according to your website www.experian.com. According to my credit report, I am an exceptional Consumer. 

FICO Score XXXX : What's a Great Credit Score? FICO is transparent about the variables that make up your score. Here are the five factors considered in your FICO score : Payment history : 35 % Credit utilization : 30 % Length of credit history : 15 % Credit mix : 10 % New credit : 10 % XXXX XXXX XXXX XXXX I used some examples of articles to understand credit rating and what determines an excellent FICO score. On my credit reports, I fall under all these qualifications that make up an exceptional consumer. 
I want to understand what do you use to determine a consumer 's FICO score? It seems there is a big difference in what Experian is reporting from the other two. I looked at all three of my Credit reports and the data is pretty much the same. 
My question is : What data from creditors do you collect to determine a FICO score? What algorithms do you use to determine a FICO score? Can you provide how your algorithms calculate a FICO score from what data they use on a consumer? Are you using any demographics to determine someones FICO Score? For example : 1. Race 2. Age 3. City and state 4. Sex 5. Religion 6. Political Affiliation These questions are being asked to understand why an exceptional consumer, like myself, only has a XXXX FICO when my history should show otherwise? I did not work hard to pay my bills on time and keep my credit usage low to not benefit from my hard work. Therefore, make me understand how I have such a disparity from one credit bureau to another? This doesnt make any sense. 
Equifax shows that I have an XXXX FICO, which is a XXXX point difference. That is a HUGE difference if all three reports show the same data. This must be fixed. 
This is what I am requesting and this is what I need to be fixed. 

Respectfully, 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 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in 2021 and American Express refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Credit agency is reporting the wrong name on my file and i would like for them to get rid of the wrong name which is XXXX XXXX XXXX i have never been know by that name or will i ever go by that name my Full Legal Name is XXXX XXXX XXXX and thats all that should show on my reports please get this fixed asap and i would also like for experian to get rid of the accounts on my file that have XXXX XXXX on them due to not being my name and get rid of the collection account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I have learned the finance charge is the sum of all charges. I should not have a bill from Santander Consumer USA. Santander Consumer USA continues to bill me each month. They have also violated 15USC 1692g and fail to info me on my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Dear CFPB regarding complain ID XXXX and the company 's response I believe the informations the company provided are incorrect. I have attached documents for your review.

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 2017-08-02
Company: Sound Collection Services
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is Sound Screening for an apt that debt occurred on XXXX XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NC
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 called Experian on several occasions because i noticed unauthorized hard inquires on my credit report for random creditors and sources. 

Experian refused to allow me to dispute any of them, i was told i can not dispute hard inquires with experian by customer service and management and was told although i did not make them i will need to wait 2 years until they fall off. 

Experian has been mixing my credit report with someone else, they had my name spelled wrong in about 5 different variation and added other peoples address on my report, places i never lived or even heard of.

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