BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I had a lease for a XXXX XXXX. Near the end of the lease, I went in to XXXX XXXX XXXX, in XXXX XXXX, GA looking to purchase a car to replace the XXXX. The sales person and also general manager told me that if I purchase a car with them, and work with their finance person ( instead of getting a loan on my own ), I would not have to pay the final lease payment of {$280.00}. It shows 'none ' for 'balance owed on trade ' on the purchase agreement for the new vehicle ( attached ). 
After many calls, texts and exchange of information, they are still billing me for the last payment, and have now sent the 'debt ' to a collection agency ( XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX GA ). I have a confirmed text from the sales rep, stating that I don't owe any more payments ( attaching a copy of that text ), but he and the XXXX are not standing by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The item, a credit card open under XXXX XXXX on XX/XX/XXXX and closed on XXXX, XXXX, was an act of fraudulent activity. 
Someone has stolen and used my personal information to commit theft, and charges have been placed under my name. Since I have never had any open account with XXXX, I have never received any bank statement from their branch. However, I received the information from my XXXX XXXX   account stating that I have unpaid fees under the account. Therefore, my credit score has decreased dramatically from excellent to fair status. 
Thus is the only information I have access to. 

Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$200.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$290.00} Highest Balance {$290.00} Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late Date of Last Payment -- Amount Past Due  {$230.00} Times 30/60/90 Days Late XXXX Remarks Canceled by credit grantor

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 2021-10-12
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had several medical events from XXXX. XXXX , CMRE received medical debts from my provider XXXX  XXXX XXXX XXXX Many bills were in error and I had to dispute. The accuracies and verifications were never submitted nor did the hospital originally follow up or give me time to address debt balances left from insurance or payment plans. As it was during pandemic and my own illness prior and during time. I had to have a bill deleted, however in the meantime it had already dragged my credit down several points. I didn't know it was on the reports until i received monitoring due to breach of our information from a laptop from employer of my job. 

XXXX  XXXX XXXX underwent a merge of systems with XXXX XXXX XXXX. In the process, billing departments were and continue to be separate. I had 3 surgeries and other procedures. So I had onslaught of medical bills, and during the pandemic. I have asked the credit bureaus and collection agencies to delete the paid collections and a newest one was put on my credit and I told the lady I had to check the accuracy of my portion of bill. I paid it immediately within a 1 day of reported on credit. I have a concern when medical providers sell debts off quick and end up with scrupulous collection agents that hound and harass. The bureaus report when you attempt to address and dispute and sometimes restart debts. It is a vicious cycle for consumers who have had health challenges, employment and a fallout such as this health crisis we are in. I want the past medical collections deleted, due to the numerous issues. I have one in dispute with my provider and a collection agency that hasn't yet put on my credit, had I not been aware and starting to research these type of errors, then it would have resulted in more credit damage! 

Date ranges XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a hand written letter to the company and explained to them 1 ) that I never inquired about any loans or credit from these particular companies and also have never received any loan or credit from either company.

2 ) I also submitted a hand written letter explaining to this particular company that my name, address, and employment was incorrect and provided them with proof and correction of my name, address, and employment and it was not corrected at all. 
So therefore I am submitting an official complaint asking for your assistance and support to get these particular things fixed on my credit report being theyre reporting false and incorrectly on my 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 2023-06-07
Company: EQUIFAX, INC.
State: FL
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 have attached and FTC report with FRAUDULENT account and FRAUDULENT inquiries I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXXXXXX 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 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 2019-05-19
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mailing XX/XX/XXXX from Convergent Outsourcing Inc.stating that I owed, XXXX  for Original Creditor XXXX Calling Card Classic. And if paid within 60 days, I only have to pay XXXX. I called and spoke with, XXXX XXXX, XXXX XXXX, and XXXX XXXX, All of which had numerous guesses as to what this was actually regarding but wanted to know all of my financial information and social security number right away. Finally, XXXX XXXX 'guessed ' that this was an old credit card debt from XXXX? I don't nor have I ever had an open credit card, that isn't current and up to date from XXXX. He then said 'oops ' and responded that he will just put in his 'fraud file '. I have never had any accounts associated with calling cards, XXXX classic or credit cards that were delinquent.

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 2019-06-13
Company: CITIBANK, N.A.
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:
I had an account with citi bank The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked XXXX to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL ( XXXX XXXX ) FOR THE AMOUNT OF XXXX DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT ( SECTION 611 ). THIS IS A CLEAR VIOLATION THAT SAID ACT.

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 2019-05-19
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I have proof that a payment was made to XXXX XXXX XXXX XXXX for {$110.00}. I have tried to resolve it with XXXX XXXX XXXX XXXX, but they referred my account to a Collection Agency by the name of XXXX XXXX, who is threatening me and stating they are going to file a negative report to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion is reporting a XXXX XXXX XXXX XXXX balance of {$1000.00} on an account that doesn't have a balance.

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 2019-06-13
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX XXXX I was involved in a major car accident that resulted in serious medical attention, all of this was ruled in my favor as NOT AT FAULT. 

XX/XX/XXXX, XXXX I filed a lawsuit with XXXX XXXX XXXX to make sure all of he medical bills where paid. 

My lawyer has stated that a Power of Attorney letter was sent to all medical personnel to protect me from this debt. I have had called the creditor many of times to let them know that the bill was to be sent to my lawyer. To this day no bill was ever been received by myself or my lawyer. I get this notification that a {$210.00} debt was placed on my credit reports, seriously damaging my scores over a debt that is legally being litigated. The original creditor XXXX XXXX made notes months ago and promised me because I had a power of attorney that this debt would not be turned over to a collection. 


XX/XX/XXXX, XXXX XXXX XXXX sent the debt that is out of my hands to a collection bureau and seriously damaging my credit scores. I have tried to address the situation with both companies ( collections, creditor ) and they both refuse to do anything my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Mitsubishi Motors North America, 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:
Hello, Mitsubishi motors is reporting an account that is a paid charge-off that is NOT MINE to XXXX. It is someone with a similar name not me. I called Mitsubish several times and they advised it was not my account but that I needed to dispute it with the credit bureaus.

I informed them they were the ones reporting the mistake and they needed to fix it and they were very rude and told me to send them something in writing. I faxed a letter to Mitsubishi on XX/XX/XXXX stating the account number and it was not my account. I also faxed a letter to XXXX on XX/XX/XXXX with the information and they initialed a dispute with Mitsubishi and it came back that Mitsubishi VERIFIED the item! I called Mitsubishi on XX/XX/XXXX and they advised the account was not mine and notified XXXX on XX/XX/XXXX electronically that this account was not mine. I then called XXXX on the same day XX/XX/XXXX and they stated the Mitsubishi verified the item as accurate and placed yet another dispute for the item not being mine.

This has caused me many hours of frustration and financial hardship as I am being denied loans because of this error! The account number is XXXX and it is someone with a similar name. My social is XXXX and dob XX/XX/XXXX.

I need this account removed from being reported to XXXX as it is not my account! Mitsubishi has advised that it is not mine but they are still verifying the item as accurate with the credit bureaus and telling me on the phone they are notifying the bureaus it is not mine! Please fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. 

I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the course of 2018 my payment amount was changed 3 times. While trying to stay on top of these changes, my XXXX and XXXX automatic payments went out roughly {$50.00} short. I did not receive notice that this had happened until the XXXX payment was already reported 30 days late. At this point, the balance was paid, the account brought current, and the online banking payment amount made correct. In the time since I have attempted several times to communicate this with Ditech, but they have been uncooperative. They claim that correspondence was sent notifying me of the issue, but I never received it. In a similar fashion, they have been completely incompetent in sending correspondence in my attempt to resolve this. It wasn't until the XXXX payment was already reported late, that I received a phone call. Due to their inability to maintain any semblance of consistent payment amounts, and lack of communication in the event of the problem, I should not be held responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: AL
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 RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT ASAP!

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 2019-06-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For a while now, I use my XXXX XXXX Credit card and then pay off the balance before the due date of the XXXX. This month, I received my notice via email on XX/XX/2019 from XXXX XXXX and immediately scheduled my payment for XX/XX/2019. I monitor my credit report and score almost daily. So today I look at it and Experian dropped my score 68 points because of the balance reported on XXXX XXXX. I called to get an explanation of this exorbitant drop and received no assistance. Instead, the young lady proceeded to run down the " factors '' that could affect one 's credit score ... none of which pertained to my report. So if I understand correctly if we don't use credit, we get dinged, if we do use the credit, we get dinged ... and we pay it off by the due date we do not get celebrated and we certainly don't get our points back that we lost. I would like a justification for 68 points. Our lives are tied up in credit reports and for these bureaus to just bounce our scores around without accountability or explanation does not seem right. I have worked very hard to straighten out my credit so that I can put a roof over my children 's heads and it is not fair that these companies can take it away without recourse.

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web

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 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.

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 2020-06-06
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:
XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR XX/XX/2018. THIS COMPANY CAN NOT VERIFY THE ITEM. ITEM IS UNVERFIELD ITEM. IN VIOLATION OF 609.

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