BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
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, Nissan Motor Acceptance Corporation ( NMAC ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, NMAC sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to NMAC was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with NMAC multiple times in XX/XX/XXXX to resolve this issue, it was determined by NMAC that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to NMAC, along with a copy of the XX/XX/XXXX letter from NMAC that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the NMAC payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the NMAC leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that NMAC verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by NMAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX acc # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-01-24
Company: Credit Card Acquisitions Group
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Was contacted by XXXX XXXX and some other man named something XXXX, they threatened me with jail time, told me I needed to adjust a payment within the next two hours or authorities will be sent to my house. Me being scared, I immediately set up a payment plan. I later found out that their whole entire process was illegal and that it could not take affect to my credit. They also broke their own contract towards these new payments by refunding me my money in order for me to take my complaint off XXXX. This needs to be removed from my credit score for unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: CT
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:
Experian Received on XXXX XXXX XXXX a written dispute From Me that highlighted all inconsistencies and incorrect information on my credit report. They never initiated the disputes on my behalf until Today. I have spoken with Them in regards to remedying the matter every day they have been available since the mailing of the dispute. In response Verbal Disputes were placed on my account and not in connection with the Supporting documents I sent. Ive explained to them I am undergoing a mortgage and more than likely will miss the deadline because now my investigation will take an additional 30days to resolve. 

Similar Time frames and situations as for XXXX And 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 2021-02-19
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a complaint against Amerihome Mortgage company. I paid my homeowners insurance out of pocket because I get a substantial discount by doing so. I am trying to find out how I can get reimbursed for the payment I made out of my escrow. I have uploaded my new homeowners policy to them along with the paid receipt and nothing from them.I have been asking the same question for almost 3 weeks now! My first message was sent on XXXX XXXX. No one responds to my messages. You have to go through 5 minutes of prompts when you call customer service, and after that you get to sit on hold for 30-45 minutes, and if you are lucky enough to have someone answer your call, They don't know XXXX! Even tried the chat button and a girl named " XXXX '' suddenly abandoned me on the chat without answering my questions. This banks customer Service in non-existent. Do they not have some obligation to correspond with their clients? 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My FHA loan was bought by Freedom Mortgage from XXXX XXXX. This was around the time my son was having issues with XXXX and we were dealing with investigations into the facility he was at. I received an email about this transfer and called XXXX XXXX to make sure about the transfer and if there were going to be any changes. They assured me nothing would change. On Friday, XX/XX/2023, I received a call from Freedom Mortgage stating my account was two months behind. I asked how could that be, I have automatic payments from my account. She said it did not show. I told her that XXXX XXXX said everything would remain the same. She said that did not include the bank withdrawal. She asked if I had money trouble and I said absolutely not. I have the money its not a problem. I immediately paid and set up the automatic withdrawal. She informed me they would report me to the credit bureau for late payment. I disputed this and they called me again today to tell me they will report this. I tried to explain that I was misinformed, but he said it was in a letter.

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 2020-02-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, I have tried to get my loan servicer, that acquired my mortgage, to correct billing errors with escrow. Also since trying to get this corrected since XX/XX/XXXX, I have not received any monthly bill to pay my mortgage for the last three months. I have tried many phone calls since XX/XX/XXXX, faxes, and certifies mail. As of todays date XX/XX/XXXX, I have not been able to get any billing errors corrected and no monthly billing statements for the last three months. So I have no information that the money that I have sent in the past three months fulfilling my part of mortgage agreement has been applied to principle and interest for example. To add injury to insult I found the company had placed a late charge against my account which I forced them to remove and they admitted it was wrong. This poor performing mortgage servicer company is : LOANCARE Of Virginia. 

This brings to mind the Consumer Finance Capital Protection Bureau XX/XX/XXXX law which requires loan servicer to provide me by contract every thirty days a billing statement that is correct and shows past payments properly applied also this company has not acknowledge my written complaints with in five days time being submitted, and to be resolved with in thirty days time.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
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 Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 a account without my written instructions ACT S 611 ( 15 U.S.C S1681 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) THESE ARE THE INCORRECT ACCOUNTS US DEPARTMENT OF EDU XXXX XXXX Original creditor : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In an earlier complaint with CFPB I requested that Wells Fargo inform me of who has the money that was fraudulently taken out of my account as of the date of my complaint. They did not answer my complaint. They told me who they sent it to. They sent it to a third party attorney that works for them. I then sent the below email : From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX ( XXXX ) XXXX Subject : Request dated XX/XX/2020 re : XXXX XXXX Account Number ending in XXXX Hello XXXX, I understand that Wells Fargo mailed the {$39000.00} from my account to XXXX and XXXX on XX/XX/2020 . 
I would like to request that you contact XXXX and XXXX and request if they still have the {$39000.00}. If they do not still have the money, who was it provided to. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX P.S. If I do not receive an answer by the end of the day, I will contact the Consumer Finance Protection Bureau for help. Thank you very much, 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 2017-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Advised Equifax that XXXX XXXX A XXXX was opened in my name fraudently. I never solicited business from them. It still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving several calls from debt collector for debt that I do not owe.

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 2022-10-28
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
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: Their investigation did not fix an error on your report

Complaint:
I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXX time frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-. During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XX/XX/XXXXuntil someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXXwhere it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on Experian 's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks. 

I'm asking for the XXXX File be removed from my Credit File entirely.

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 2021-11-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00}

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 explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXXXXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as ofXX/XX/XXXX, it still remain on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : Transunion ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX This account was open without my consent and is a result of fraudulent. Remove this 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 2021-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was getting emails & mail that " Citizens One '' was denying me credit ( XX/XX/2021 & XX/XX/2021 ) I ignored then initially because I thought if I clicked-in they would be the ones trying to steal my info ( I'd never heard of them ). Then XX/XX/2021 I get a email of a bill for XXXX and that I was late paying. So I went back in emails and found another one on XX/XX/2021 that they shipped a XXXX for {$880.00} bill. In between all the " denial of credit '' I never once received a " we opened your credit account '' - just a " past due '' amount weeks later. 

I called Citizens one on 4 occassions only to be told that I had to get to their dispute department and they'd send a package of credit fraud. On XXXX occasions I was disconnected. I then began getting phone calls everyday about a past due bill. I'd click to receive and always disconnected. I went on " Identy Theft.gov '' and filed a dispute. It said to stop my credit and write them. 

I put a credit freeze on XX/XX/2021. I wrote to Citizens one on XX/XX/2021 and it was sent back. Finally on XX/XX/2021 I received a call and was able to put in my dispute. I'm waiting on their " credit fraud packet ''. 

Also, since then I've had 2 banks call and someone was trying to open a credit card. Thank goodness I had the credit freeze. I explained the situation and of course no credit cards went out.

Company response to consumer: Closed with explanation