BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
The company only reports the last 2 years. Company is adding just negative items back on to my credit. I feel like they are intentionally trying to ruin my credit. I informed company I was going through financial hardship While I was in XXXX school and eventually joined their program. Now that I am out and have paid off most of my debt. My income has increased. I feel like they are retaliating by my lower my credit limit and keeping negative items on my credit. I am a XXXX  and in addition to dealing with XXXX XXXX, I have to deal with unsatisfactory customer service. I have been a customer for over 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Credit Acceptance placed unauthorized inquiry on credit file. Requested validation of authorization and signature multiple times.

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 2020-05-26
Company: JPMORGAN CHASE & CO.
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:
This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Sequium Asset Solutions, LLC
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:
Last week, Sequiim added a collection account to my credit report for XXXX XXXX I have NEVER had been contacted by them nor XXXX XXXX  for anything and have disputed with XXXX and XXXX. I have NEVER had XXXX XXXX. This collection account is not been vslidated and does not belong to 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 2020-05-26
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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX   XXXX XXXX Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with XXXX XXXX XXXX XXXX XXXX and its successors. XXXX XXXX XXXX and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with XXXX   XXXX XXXX and XXXX XXXX or owe a debt to XXXX   XXXX XXXX and XXXX XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXXby which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXXXXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. XXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete XXXX XXXX XXXX and XXXX XXXX, immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this

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 2023-02-06
Company: Resurgent Capital Services L.P.
State: FL
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:
C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Amount : {$1300.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  Omg, this is not my account. I did not make these charges. This is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Called the bank on XX/XX/20 and was told the bank closed my checking account without my knowledge. They called it a administrative decision. Was told the only way I would get my balance was via mailed check or wire transfer. Called again on XX/XX/20 to ask if bank transfer was an option. Told by customer service, it was a flat out no. My new account doesnt take wire transfers and I am unable to use mobile deposit without being enrolled in direct deposit. I should be allowed a bank transfer from a closed account to my current open account. This bank makes customers wait months to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!

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 2021-04-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a new car from XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX. Financing for the loan on the vehicle was set up through TD Auto Finance. Payments were set at {$420.00} per month on the 10th of each month for a total of 75 payments that concluded on XX/XX/XXXX. I signed up for paperless billing and auto deduct from our bank account for payments. Contact was to be through my email account. 
Payments were started on XX/XX/XXXX. Payments were continued until XX/XX/XXXX where 2 payments were made. No payment was taken on XX/XX/XXXX. The next payment was taken on XX/XX/XXXX. Then no payment was taken on XX/XX/XXXX. As of XX/XX/XXXX a late fee of {$21.00} was charged to my account as we were now in arrears by 1 payment. I was unaware that we were now in arrears. Moving forward from that date our payment was taken out on the XXXX of each month except on a Sunday where it was taken out on the 9th. However with our account in arrears by 1 payment, we were charged an amount of {$21.00} each month. 

In early XX/XX/XXXX i logged onto my account, as the contract was concluding in XX/XX/XXXX, to find that whilst i had paid every payment except that payment on XX/XX/XXXX, i had been charged {$21.00} each month for the lack of that 1 payment. This had now accumulated to an amount of {$1300.00}. At no point in the 5 years and 2 months that my account had been in arrears had TD Auto finance contacted me to point out that i had an outstanding amount on my account and to ask how i was going to fix it either by email or regular mail. I have credit cards, have had personal loans and other financing options. If i have ever been behind the company has promptly contacted me to advise that an amount was outstanding and how i was to correct the imbalance. 

After discussing the issue with my wife we paid the outstanding fines which had now grown to {$1300.00} and the outstanding payment of {$420.00} on XX/XX/XXXX. 

I feel that TD Auto Finance intentionally did not contact me to allow the penalty to continue growing over the 5 years. If they had contacted me i would have paid of the outstanding amount. I fail to understand how it is ethical for a finance company to allow this to happen. If i did not make a credit card payment for 5 years i am sure i would have heard something much sooner. 

Furthermore on XX/XX/XXXX we paid the final three payments of {$1200.00}, for XXXX, XXXX and XXXX of XXXX. On XX/XX/XXXX we received a paper statement with an outstanding balance of {$89.00}. When i called on XX/XX/XXXX i was not able to get any reason of why this amount was due, even though i had paid all 75 payments of {$420.00} and paid all of the {$1300.00} in penalties. After speaking with a supervisor this amount was waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX chase Informed me that my escrow analysis had been done and that my monthly payment of XXXX was being increased to {$1500.00} because my escrow was underfunded. I opened the loan with guaranteed rate XX/XX/XXXX. Chase received the loan from guaranteed and that is who I now pay. The escrow analysis showed that I began my account with {$1.00}. I gave chase a call to try and fix the problem and was told that this was correct and they had just paid taxes and this was correct. I stayed on the line for hours until finally a representative looked at the closing documents and told me she saw what I was seeing. She told me to dispute this and on XX/XX/XXXX, chase informed me that they found nothing wrong with the dispute. When I a asked them to take a look they told me this was not an internal issue and I am on the hook to figure this out. I have contacted mortgage lender and she informed me that it is wrong. Chase has been predatory in their ability to shove out a half done analysis without looking at any red flag ( i wasnt allowed to start a mortgage loan without prepaid escrow as part of my closing documents ) and shoved an increase on me. To have representatives tell me that it was a legitimate increase or keep me on hold for hours seems like a tactic being used to get people to shut up and just take the unjustified increase. I felt that I needed to contact a government agency because if I did not have a finance background like millions of other Americans I would likely have given up thinking this was just over my head and I was wrong. This is not right and this bank is not serving its customers. I am happy to discuss anything else on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Somebody has to see that something fishy is going on with the credit bureaus.

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 2019-03-06
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I disputed an item on my credit report at Experian. The dispute concerned reported late payments on a student loan account with XXXX ( XXXX XXXX XXXX ). The student loan was in deferment untilXX/XX/XXXX, but XXXX reported late payments inXX/XX/XXXXand early XX/XX/XXXX. In support of my dispute, I submitted copies of notices from XXXX approving forbearance for all the periods covered by the supposed late payments. OnXX/XX/XXXX,  XX/XX/XXXX, Experian notified me that the information would not be changed, because XXXX claimed it was correct. The dispute summary made no mention of the attachments I submitted or how they reconciled the discrepancy between those attachments and the claimed late payments. If forbearance was granted, there could be no late payment for a payment that was not due. This late payment report resulted from the XXXX practice of delayed processing of forbearance requests and billing in the interim. When the forbearance is later granted, they do not correct the late payment record.

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 2018-10-11
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:
I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XX/XX/2015.  The two credit bureaus that listed this item ( XXXX and Trans Union ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.

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 2020-11-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector has been reporting negative and inaccurate information thats hurting my credit and will like for you to investigate this account. I under went a XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated 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 2019-08-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY SPRINGLEAF. ON XX/XX/2013 I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XX/XX/2013 WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF XXXX XXXX XXXX AND SPRINGLEAF HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.

Company response to consumer: Closed with explanation