BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: CO
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 have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: ID Analytics, 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:
bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.

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 2020-11-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my 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 explanation
Consumer complaint received 2018-03-03
Company: LEXISNEXIS
State: OH
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:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't have an account and don't know who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: DE
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have notifed portfolio recovery that I am not liable for a Balance of {$3900.00} that is being reported to XXXX, XXXX, and XXXX. portfolio recovery has failed to provide Validation of the debt, that proves that I have a signed contract with them. I notified them that I have exempt funds in the form or Social security Benefits and XXXX Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that portfolio recovery discontinue collection efforts and delete all accounts that are being reported to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Bread Financial Holdings, Inc.
State: GA
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 I reviewed my credit report and found a late payment on the dates below : XX/XX/XXXX of 2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. 

My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Banco Popular. My mortgage loan has always been set up in auto pay and always paid on time. We moved to Florida in pursuit of new employment in XX/XX/2018 and without any notice, Banco Popular cancel my auto pay and that cause a 30-day late reporting on our credit. We never cancel the auto pay option in our Mortgage with Banco Popular. We have enough funds on our account to cover the regular payment on a monthly basis, Banco Popular failed to give us notice either by phone or mail to let us know the Mortgage was past due. It was not until over 30 days that we received mail letting us know the payment was delinquent. We advise the lender that there was plenty of funds in our account and asked why the payment was not withdrawn automatically as always for over 6 years. They told us the auto pay was cancel. We never cancel the auto-pay option. The account was set up from the beginning to be used only for Mortgage payment only it was set up for that purpose. Banco Popular refused to research why the auto pay was cancel and they have no record or evidence in writing or in the computer showing date and time of cancellation. They refused to remove the 30-day late payment from our credit. It has damage our perfect mortgage payment history and credit. We need help with this financial institution. They don't have the knowledge neither know the REG 's that are violating when they refused to investigate and correct their error.

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 2020-09-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/2020 attempting to collect payment on a debt it identified as Fifth Third Credit. I sent a letter ( attached ) asking XXXX to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached XXXX, XXXX received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from XXXX and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. XXXX violated the FDCP in this instance and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and XXXX  and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.

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 2018-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card due date is on XX/XX/18. I made an online payment on XX/XX/18 paying off the balance on the account. On XX/XX/18, Chase charged an interest fee on a XXXX  balance account. When I asked to have the fees removed, they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
Company: CREDIT ACCEPTANCE CORPORATION
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 sent out a Dispute in the XX/XX/2020 requesting They investigate the Auto Loan On my credit report and I Also requested to remove it off my report due to the fact I was sold a lemon. However, I wrote XXXX, XXXX, and XXXX on XX/XX/2020 a Second letter demanding that they comply to my dispute as well as explaining they have 30 days To respond & I havent received any notice or response back from the disputes I sent to All 3 credit Bureaus. I will be most grateful you if you can looking into the matter. 
Thank You for your time consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Over 10 months I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - xx Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on it's now XX/XX/20 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 explanation
Consumer complaint received 2018-03-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a used XXXX from XXXX dealership in XXXX Ga in XX/XX/XXXX. I had complete engine failure a year and one month later. What went wrong with the car DID NOT match the XXXX. I had bought the car from a car loan from Santander Consumer USA for around 10,000. 

I could not afford replacing the engine and told Santander Consumer USA I wanted to voluntary surrender the car back to them around XX/XX/XXXX. They eventually repossessed the car but has my account still open like I'm scheduled to make payments. They have my account still open and the business is reporting my account as delinquent to the credit companies each month- this keeps lowering my credit score. I haven't received back information on how much money I owe them after the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to schedule a pay off for my loan to pay it off early. I was given a pay off amount of {$1700.00}. I scheduled this payment and it processed on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, three weeks later I am being billed an additional {$320.00}. I have been on the phone with two representatives who can not tell me why I am being charged this amount three weeks later. They are further telling me I owe an additional {$120.00} and that the representative I spoke with regarding my pay off amount gave me inaccurate information. I have been on the phone so far for 52 minutes trying to get answers and am concerned my account is going to be continually billed for amounts I am unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX <<<<<<<<<< ( ADDRESSES ARE WRONG, PHONE NUMBERS ARE NOT MINE ) XXXX XXXX  XXXX {$12.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? 

XXXX XXXX XXXX XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX  XXXX {$2000.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? XXXX XXXX XXXX XXXX, XXXX XXXX Account Type FHA Mortgage Balance {$0.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Square Inc
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received 3 different Visa debit cards from a company called Cash App that I never applied for. I attempted to call Cash App customer service number but only got a message from an automated attendant advising me to go to their web site for help. My computer anti virus indicated that the Cash App web site in a non secured site therefore i did not want to access the site. The debit cards refer to a bank Called XXXX XXXX. I call XXXX XXXX   however they are not able to help in getting the cards cancelled. The representative did agree to reach out to Cash App to see if there is some way to have someone contact me by email. I just want the cards cancelled and request no further cards be issued in my name. Hopefully you can help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Bread Financial 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: Account status incorrect

Complaint:
On XXXX/XXXX/202, I received a call for payment of {$54.00}. I argued and mentioned that my payment was not incorrect and that my minimum payment was only {$25.00}. The representative said yes this was correct and that the additional {$35.00} was going o be removed and credited back to my account. The difference of payment was made and I was told there would be no reflection on my credit report, that the {$35.00} would be refunded back to my account and my account would be back in good standing. The account has no other balance and has been completely paid off. 

On XX/XX/2020, I received a statement saying that my account was never paid and that balance is still {$54.00}. When I called comenity they said would fix the mistake and everything would be removed, however, I need to write a letter because no one can help me over the phone. As of today, My account has no balance and in fact, has a {$35.00} credit but my credit report still shows that I was past due for {$54.00}, which is entirely incorrect and paid in full. Please help me fix my report with all 3 credit agencies.

Company response to consumer: Closed with explanation