BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I need assistance from the CRA 's because their client, XXXX XXXX XXXX XXXX makes a mockery out of an investigation. It is wrong for the CRA 's to request an investigation and then XXXX  merely reply they are reporting correctly. I have repeatedly requested copy of the credit report used for a fraudulent loan through ( XXXX  ). XXXX has repeatedly denied. The credit report will prove the theft and fraud reflecting I was " checked out '' first and then the report was pulled prior to applications and loan. XXXX couldn't find the report and after 60 days labels my request as a duplicate with CFPB. This is 100 % wrong! In addition to not having permissible purpose, the loan should have never been processed in the first place. Can the CRA 's go back in their system and find the credit report that XXXX  does not have? What can the CRA 's do to help? I request a detailed report why XXXX continually labels my requests as a duplicate when the have never furnished the credit report. And a detailed report of why they continually state they are reporting properly.

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 2018-05-04
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Debtor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Bill for services not rendered ( wrong patient ) Original debtor submitted to AR Resources for collection.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I contacted original debtor who contacted AR Resources to request it be removed.

I contacted AR Resources who claimed it would take 30 days.

It has been 60 days and the items is still on my credit report. 

Multiple attempts to resolve the issue have failed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Experian and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if XXXX, XXXX and experian update my new credit info, it might be helpful for XXXX XXXX veteran and children. FICO XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award

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 2021-05-24
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named Security Credit Services at XXXX. I contacted Security Credit Services ( representative name is XXXX ) on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to XXXX XXXX XXXX. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called XXXX XXXX XXXX and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never dealt with this company claiming I owe a debt to them of {$390.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JPMORGAN and Chase Bank. 

Repeatedly is unable to solve problem of recently discovered {$1200.00} USD thg that was siphoned from account last year. I just discovered this error while reviewing statement online with a JP Morgan Chase Customer Service representative approximately tw
o weeks ago. I am XXXX. 

They denied the claim, despite being FDIC insured. This is unacceptable. 

Please contact me as soon. As possible via email as I have no way to pay for even a phone bill due to their errors and mistakes. 

With Best Regards, XXXX XXXX XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XXXX to Equifax, XXXX, and XXXX regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the Equifax data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I co-signed a three-year closed-end auto lease agreement that ended on XX/XX/2020. Unbeknownst to me, at the end of the lease, the borrower and Honda Financial Services extended the lease for three months without my verbal or written consent. I wasn't notified that it was being extended nor that I was being offered credit for which I would be responsible. If I had been asked to agree to an extension of this lease I would have said no. I thought the vehicle was returned and my obligation as co-signer had ended. Under the terms of the contract, neither Honda Financial Services, the borrower, or myself, can arbitrarily change the terms of the agreement without consent of all parties on the transaction. 

During the extended period, the borrower was late making his lease payments and these late payments were reported to the credit bureau and harmed my credit. I contacted Honda and explained that I reviewed my contract and I satisfied all of the conditions of my contract and any new agreements or contracts they chose to make with the borrower should not have included myself, and minimally, I should have at least been notified. There is nothing in my signed contract or additional terms and conditions that allows for an extension of terms for which I would be obligated.

Honda has received all of their payments, the account is current, and I am not seeking any compensation. I just want them to retract the derogatory information they provided to the credit bureaus for the time period in which the lease was extended. If they choose to report derogatory information on the borrower for which they made the new financial agreement, that's fine, but I was not party to this new agreement and shouldn't be harmed by it.
I am preparing a demand for arbitration but it seems so unnecessary. If someone from Honda would review my contract they should determine the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2017-08-02
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express charged 2 {$39.00} late fees for a {$75.00} dollar carried balance over 45 days. Spoke with XXXX XXXX who explained the company policy of charging {$39.00} late fee and {$39.00} for a carried balance or 2.09 % whichever is greater for balances which are greater than {$50.00}. This resulted in late fees greater than my balance which is unreasonable by any measure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019 XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX  XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. 
- Overstating income for applicant # 1 in the amount of $ XXXXmo as retirement income when applicant # 1 works full time making only $ XXXX/yr. 
- Overstating housing expenses of applicant # 1 as $ XXXXmo in rent when the home is owned free and clear. 
- Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. 
- Overstating income for applicant # 2 in the amount of $ XXXXmo working as a XXXX at an XXXX XXXX  when applicant # 2 is a XXXX  speaking XXXX XXXX. 
-Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. 

Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX  's sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Summer XX/XX/2019- My Identity was Stolen to open several Cell phone accounts with : -XXXX XXXX XXXX  XXXX They paid the bill until I noticed this theft. Their accounts were canceled but they had device leases ( so they owe money on devices ) The companies do not seem to close out the accounts after I report fraud. 

They also tried to rent an apartment They also tried to open Credit Cards I have opened Police Report in XXXX, Texas. I am from & live in XXXX, TX area. 

The identity theft all seemed to be conducted in Ohio. 

I keep getting calls for collection- but I have no known open accounts. My credit is almost perfect, no past due items on my credit report. Im not sure why the collection companies believe they can call me in Texas for accounts opened elsewhere. 

They do not seem to verify the credibility of accounts they purchase and run against where the supposed accounts are located against where I live. I live in XXXX, they have my address, but they call for accounts in different states. 

In the end- there are probably more accounts open that I do not know about. But at this point my credit is frozen, and in good standing. All accounts opened outside of Texas should be a clear indicator of fraud. Especially if accounts originate from somone with my info out of XXXX, Ohio Attached is XX/XX/2019police 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 2020-10-15
Company: ALLY FINANCIAL INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX  signed me up for a loan with Ally lending, which I didnt not want .when I called and complained to them, they said I must come in person to talk to them to cancel the loan. When I got there the XXXX XXXX XXXX threatened me saying I have to received their service or they will sue me, jail time and that their lawyer will make me pay the loan amount and thousands of dollars more if I tried to dispute the loan of {$17000.00} and she also stated that she will not cancel the loan .she took out in my name .i dont not agreed to this loan, for I was tricked into signing papers for just a plan, I have been  suffering from an XXXX  XXXX since XXXX XXXX, and medically I was never cleared for any XXXX XXXX  of such, anyways, because the medical treatments that I am receiving Then and currently would put my life At risk. Alley lending is sending bills with interest and Late charges totaling as of date {$17000.00}. I did call ally lending the day I got the bill and filed a complain and dispute with them with no help to have it resolves.i have send them letters also.

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 2022-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, totally upset and sent letter on XX/XX/2022 to Equifax and XXXX regarding my inaccurate and unknown things that I saw on my credit report. Through this, I am requested to see verifiable proof ( i.e : an original consumer consumer contract with my signature on it ) that you have file for the account listed on my credit report to this day over 60 days later, I have not received as of yet. I feel like I am not being taken seriously and ignored of my disputes. Under section 611 ( a ), it is purely stated 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 over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that 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 2019-03-25
Company: Opportunity Financial, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hi, I took a payday installment loan for the sake of building my credits and we entered into a contract with payment terms that they deduct installments from my checking account. I gave them all the information they wanted that included my account and routing number as per contract. Initially, they didn't deduct money as per scheduled payment and I called them 3 times asking them to take their money and they didn't. I paid through a debit card thereafter. I did pay again 3 times more and asked them to perform their responsibility to deduct their money as this is important for my credit building. I then told them I am not doing it through debit card anymore. Have to do their obligation as per contract, it doesn't say I have to use my debit card as a routing number was a condition for approval. 

This week I wondered that they contacted my employer and decided to garnish my wage. This is unfair to me as I wasn't informed and it is not my fault, I never refused to pay or change my account. They didn't do their responsibility to deduct money while I gave my account information ( confirmed today they still have ). 

This is unfair garnishment and punishment to me because of their fault ( or their systems ). My intention is to build my credits instead they are now destroying me more while I am innocent. Again they never gave me a chance to defend or give my position on this. I am still willing to service my loan and never refused to fulfill my obligations but I getting unfair punishment for this company failure to comply with the agreements. 

I urge your help to assist me to remove this unfair garnishment on me and let the company comply with their promises. I also ask you to judge this and make Opploans repair my damaged credits that were caused by this unfair transaction. I am not delinquent to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Telerecovery Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Telerecovery is trying to collect a debt that I do not owe. I have asked them to provide me with proof that this account belong to me and that I am obligated to pay them anything. Telerecovery has not provide me with any documents stating that I am obligated to pay this debt. Telerecovery is in violation because they are reporting a debt on my credit file that I do not owe and not to mention ( they have not provided me proof that they own this debt that they are trying to get me to pay. ) Please help in getting this debt removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, 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 collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the XXXX XXXX XXXX and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Resurgent Capital Services L.P.
State: VA
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 got a letter in the mail from " XXXX XXXX XXXX '' company that they are trying to collect debt for " LVNV Funding LLC ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX/XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.

Company response to consumer: Closed with non-monetary relief