BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: EQUIFAX, 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:
Equifax credit reporting refuses to remove the paid/release lien attached below even though it is ineligible for reporting under the new, stricter reporting rules for judgments and liens ( social security number fully blacked out, no date of birth ). It has already been removed by XXXX and XXXX from their reports. The Equifax customer service agent I spoke to went so far as to claim that this was " misinformation spread to the masses '' ( her exact words ), and that such liens and judgments would not be removed. I have read reports from others on FICO 's official forums who were told the same thing by Equifax 's customer service people, so this seems to be an officewide issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Adler Wallach & Associates, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is my second time requesting this to be updated on my credit. They took it off to place it back on my credit a month later.

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 2017-09-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THE INFORMATION I AM GETTING FROM MY BILLING STATEMENTS, STATE I AM BEING OVERCHARGE FOR INTEREST ON THE CAR LOAN. ON XX/XX/2017, I BOUGHT A VEHICLE WITH A BALANCE OF {$20000.00}. AT AN INTEREST RATE OF 4.8 PERCENT. I HAVE OWNED THE CAR A TOTAL OF 28 DAYS AND HAVE MADE 2 PAYMENTS OF {$16000.00}. CLEARING IN 19 DAYS AND {$400.00}. IN 6 DAYS. MY INTEREST SHOULD BE AROUND 53.00. NISSAN FIGURES {$16000.00}. {$400.00}. AND {$3600.00}. TO PAY OFF VEHICLE. {$20000.00} - {$20000.00}. = {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d

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 2022-01-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep disputing a debt with the credit bureaus about a so called XXXX account. Enhanced Recovery Systems is the collection agency reporting this debt but have not provided written proof of the original contract. XXXX has ignored my requests to provide proof of the original contract as well as ERS. I have disputed this debt multiple years including 2021. Please ask them to provide proof of the original signed contract. I know my rights as a consumer and I know they have 30 days to provide proof of debt or delete it. They have not been in compliance. 

Enhanced Recovery Systems Account XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.

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 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have disputed the XXXX XXXX credit card acct for the last 6month. i XX/XX/XXXX they reported all of XX/XX/XXXX-XX/XX/XXXX. they have not reported on my acct since XX/XX/XXXX. XX/XX/XXXX i had a credit limit on both accts and on XX/XX/XXXX. i did not have a credit limit on either acct.they also change acct number changed pass due amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
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 contacted experian about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could Experian verify this account. Surly they never investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Innovis
State: GA
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'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out letters to the credit companies ( Transunion, XXXX, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.

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 2022-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a XXXX XXXXXXXX XXXX from XXXX in XXXX, Florida for {$36000.00} after the 72 month term back in XXXX. I did not receive my vehicle until XXXX because their salesman XXXX XXXX said they had someone in house that they typically used for delivery. When I agreed to using their person, I received the run around for 4+ days! I am located in the state of Indiana where the dealer offered to send papers via mail because this was their policy. The papers I received was a stack of about t least 15 pages. When I received the car, the vehicle smelled of water in the vents to which the delivery driver noted, communicated with the dealership and also told me I should follow up in which I did. I received verbal reassurance from the salesman I dealt with ( XXXX ). In addition, The Bluetooth wire had clear signs of water in the line because it would play or connect longer than 30 minutes. The Bluetooth ironically did the same! After taking it for an inspection, weve been told that there is signs of mold in the carpet fibers, the reverse tail light was cracked and had water in it prior to receiving it, the right passenger wheel at the back panel was slit and the struts were clearly tampered with and still RUSTED! The brakes were changed, but the back brakes and routers showed clear signs of rust. In addition to this, Ive been asking for a copy of the documents that I signed to where they insist that they have nothing but ONE paper and my lender has everything and my lender says vice versa! They even billed me {$3000.00} for a gap addendum I did not select the service for but was told to sign so that they know I viewed all papers. All of these communications and accusations do come with pictures and a full report as well! Medical records will be given to attorneys and any individual handling this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charges by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, were all scam related charges ranging from XXXX that went overlooked and not flagged by chase for months. They were inconsistent with any accounts I had an chase fraud detection was useless to me. I eventually noticed, contacted a chase representative, filed a dispute, requested a thorough digital investigation. I was told that if the dispute was settled-per Chase company policy-it would only be for up to 60 days, leaving me at a loss for all of the other scammed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed in XXXX of 2019, it was once repoed but after XXXX weeks I got it out. Ive never signed any papers of volunteered surrender of the vehicle. Now I have it reported on my credit report.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, addresses and names on my profile.

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 2018-01-08
Company: The Receivable Management Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX regarding my previous auto insurance policy with XXXX ( XXXX. XXXX ). I called them immediately once I received the letter to dispute the claim. They informed me to submit my proof electronically and I did. Since XX/XX/XXXX I have followed up on multiple occasions for an update. First in XX/XX/XXXX they  apologized that the proof i submitted was never sent to XXXX and that they would send it over. I followed up twice in XXXX on XX/XX/XXXX and they asked for me to follow up after the holidays. I called today, XX/XX/XXXX and they said no update has been made on the dispute. This has impacted my credit score and it needs to be removed. I can not even apply for a home loan until this is taken care of. The representative i spoke with today, XX/XX/XXXX, told me it is not her job to follow up with XXXX regarding the claim that I need to do so. This has been going on for almost 5 months now, this collection needs to be removed from my credit report as I have done my part in disputing the claim within the 30 days of the letter and submitting proof.

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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

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 2022-01-16
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on On XX/XX/XXXX and XX/XX/XXXX each time this company [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Mr. Cooper Group Inc.
State: TX
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:
On XX/XX/XXXX, Mr. Cooper called my partner and I about us qualifying for a lower mortgage payment and asked if he had our consent to run our credit for it. My partner told him that he did not and we would discuss it first. I noticed later that day that he did in fact pull our credit and it was a hard inquiry. We called him back and he stated he mistakenly pulled it. The hard inquiry was done without our consent and would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a 1-year certificate of deposit with XXXX XXXX The account was opened online even though I lived in XXXX. In XXXX, we received a letter reminding me that the CD was about to mature and I needed to take action to receive my money back, otherwise it would roll over into a new CD. I called the number listed on the letter to ask to withdraw money but was told I had to go into a branch to receive the funds. I told the adviser that I had moved 6 months ago and getting to the branch would take a 2 hour drive. I was told that there was no way I could get my money without driving to a branch and no further assistance was offered. I called back 4 times over the next few weeks and no one seemed to be able to help me. I am sure I am not the only person who has moved away from the XXXX area. I was directed to call a branch and they directed me back to the call center. This happened multiple times. Finally, in XXXX, I was given an address in Rhode Island to mail a letter to that would authorize the money to be returned to me without going to a branch. I mailed the letter and about a month letter, I was told that I missed the 10 day window to withdraw the funds. I missed the 10 day window because no one knew how to help me. I was told to either pay {$50.00} or wait until 14 months to get my money. This is not fair - please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXXXXXX XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was XXXX in XX/XX/XXXX. 

I had two vehicles and added XXXX  to my XXXX XXXX  but my XXXX car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

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 2020-05-01
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 have previously contacted Experian explaining that I have been a victim of identity theft and provided them with the accounts that did not belong to me but they continue to refuse my request of blocking and deleting the accounts for XXXX XXXX {$530.00}, XXXX XXXX {$290.00} and several accounts from XXXX XXXX XXXX. I have provided all documents requested by them. These are FRAUD accounts and need to be deleted and blocked from my credit report.

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