BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother also banks at the same bank and one of the workers there oversteps her position and contacts my mother for issues with my account when my mother is not on my account. She does not now nor has she ever had permission to do this or make any changes to my account. She changes my account adds and subtracts fees and the two of them cost me money. I am tired of this she has broken the law time after time. I demand something is done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: AFNI INC.
State: IL
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:
After I reviewed my most recent report I found an items that I have never applied for nor have any communication. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. Be aware that this is an attempt to a violation of the federal law under FDCPA 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX/2022- {$200.00}, XXXX By the Fair Credit Act. The List Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sections State : no consumer reporting agency may make any consumer report containing any of the following items information any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please remove Loancare charges off my credit. Attached is Loancare discharge Mortgage doc, Loancare payoff statement, Loan pay off wire transfer and the house Closing Disclosure. After spoking with Loancare customer service two weeks ago the account was showing as closed and paid off. They confirm that they have a glitch in their system, and they mark the account as closed and paid off on XX/XX/20. then I guess their system automatically keep posting that this account not paid in full because no one went in the system to correct I manually.

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 2018-05-05
Company: Worldwide Recovery LLC
State: OR
Product: Debt collection
Sub-product: I do not know
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:
Harassing phone calls told them to send bill do not know what it is for. Will not stop calling at all hours. I have voicemails of threatening legal charges. Threatening arrest. Yelling at me. 
XXXX XXXX And XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: SD
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:
Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. XXXX, experiences, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. XXXX  automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.

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 2020-07-30
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}

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 2020-01-21
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the Experian credit report it say I have had an address of XXXX XXXX XXXX, XXXX MD, XXXX. 

I have never lived or had an address outside of North Dakota. So I would like this removed from my credit report and any information with this state and address also removed from my report. 

There are lots of people there with my name in common but this is not me.

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 2021-06-04
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today ( XX/XX/2021 ) from American Coradius International LLC ( " ACI '' ) claiming that XXXX had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have. 
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.

Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts. 
I am asking CFPB to PLEASE put a stop to American Coradius International LLC 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 XXXX XXXX  From XXXX XXXX in XXXX Nj. On XX/XX/XXXX. After purchasing it i read about 2 Warranties that im paying for, so i call both companies to cancel the warranties, 1 company XXXX  Cancels the warranty and sends a check to my lender santander usa. The other company says they cant cancel it, and that i need to contact the dealership in order to cancel it, so i do just that, on or about XX/XX/XXXX i text my salesman XXXX XXXX And he says send him a copy of one of payment payment receipts and my drivers license, i did send it to him at XXXX and he said it would be taken care of, i waited a few weeks and they still have not sent the {$900.00} plus check to Santander Use for this bogus tire and or rim warranty, when i call them they keep saying they have no idea what to do. So i went into the Dealership ( XXXX XXXX ) and talked to XXXX  the sales manager on or about XX/XX/XXXX. He brings out a paper for me to sign and tells me the check will be sent to santander in a matter of days. And here it is almost a month later and i call Santander Usa and they say the have not received anything from XXXX  XXXX. I need help because they just keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-01-21
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCB for a debt regarding XXXX XXXX. They placed this on my credit report without sending me a letter allowing me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
To whom this may concern, My name is XXXX XXXX and on XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. As of yet, it's been nearly 60 days and I still have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been nearly 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my account the week of payday. But a usaa employee put my account back in normal status on XX/XX/2020 for me to be able to get my money & sent me a new debit card. I am being XXXX XXXX XXXX XXXX then USAA put it back in credits only status on XX/XX/2020 because they told me my account was to be closed on XX/XX/2020. I have bills to pay but they don't care about that. 

They don't care about the undue stress that they are causing me not letting me have access to my own money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Was not notified of investigation status or results

Complaint:
ive filed a dispute on XX/XX/2021 and yet to receive any results resolving my issue. I've tried contacting the original creditor to see if they can provide me information on regards of the misleading and inaccurate information and I have not received a answer, this is causing me thousands of dollars in interest a year and I would like to have the matter resolved. this is a violation of the fair debt collecting practice act. I refuse to wait another 30 days.

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 2020-07-30
Company: EQUIFAX, 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: AmeriCollect
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband took my son to the hospital. He put me down as the responsible party. I was not present and was not aware until I received a bill in the mail. I tried working this our with the doctor which was unsuccessful. I have disputed with all credit bureaus and XXXX XXXX is the only one that has removed this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today ( XX/XX/2021 ) from XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX claiming that PayPal had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have. 
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.

Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts. 
I am asking CFPB to PLEASE put a stop to XXXX XXXX XXXX XXXX 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
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 had a credit score over 800 for over 30 years. I have history of making 100 % payments on time throughout my life. 

I was very XXXX XXXX XXXX and made a payment to XXXX XXXX that was received after the due date of XX/XX/XXXX, but within 30 days. 

I called XXXX financial services. They said they automatically send information to the credit bureaus when a payment is late. They advised I dispute the charge with the credit agency. 

I sent a dispute to XXXX and Transunion. 

XXXX took the late payment off my record and reinstated my score of XXXX. 

Transunion rejected my appeal. They dropped my credit score from XXXX to XXXX on XX/XX/2021. On XX/XX/XXXX they dropped my score another XXXX points to XXXX because I used 7 % of my credit limit!! 

As of today my credit score with XXXX is XXXX. Which is accurate. 

My XXXXredit score with Transunion is XXXX which is outrageous and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Near the end of my lease with Infiniti Financial Services ( XXXX ) I traded my vehicle to a XXXX dealership where I leased my new vehicle. 3 weeks later I checked to see if the Infiniti lease had been paid off by the dealer and was informed that XXXX had returned the check and would not allow the vehicle to be purchased by a third party dealer. I was told to contact the XXXX dealer and figure it out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC collections has not proved that I owe debt. Was never notified before sent was placed on credit. Never got opportunity to take care of debt. Never proved debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Jefferson Capital Debt Collection company about a XXXX account that I had been in arrears, and was recently paid off in the last 60 days, from phone number XXXX. 

The debt collection company representative disagreed with me about the fact that I had paid the account off, and further stated that due to the age of the account that they knew that they could not sue me for the amount in question by them. 

They further continued to argue abusively toward me that they had never received the settlement amount that they purposed via the U.S. Mail. 

I advised them that they were or could be ... in violation of the T.C.P.A. laws for calling my cell phone, and to not ever call me again, because their telephone operator/representative kept yelling in my ear lies about me not paying their account they represented in full.

Company response to consumer: Closed with explanation