BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a phone call on XX/XX/XXXX regarding XX/XX/XXXX payment and it being close to 30 days and it being reported to the Credit Bureau. I said I believe I made that payment. I will check my records and call back or make that payment if this is correct. I called back that same day and told the Cust Service Rep. that the check cleared the bank on XX/XX/XXXX. He said he found the payment. I said what may have happened is it may have been applied to my previous lease. I forgot to update the acct. no. in the Bill Pay section of my bank acct. I asked him to apply it to my current account for my new lease immediately as I did not want it reported to the Credit Bureau. He said he couldn't because I sent it to the wrong account. He said it wouldn't be applied until Wednesday, which would put me at 30 days. I said if it cleared the bank already and the money is there, why can't you apply it immediately? Where is my money? I then asked to speak to a supv. He put me on hold and came back and said everything 's okay. It will be applied on Monday. ( A more detailed explanation will be attached ) XX/XX/XXXX I receive a statement indicating I had an unsatisfied lease and money had been applied to that, which is less than my new lease amount. So, I want to know two things : Why are you saying my previous lease was unsatisfied and yet sell me another car? And why send this statement 8 mos after the lease expired? And another thing, where is the difference between the two amounts ; where did that go? I never received notification about a balance owed on the previous lease until I addressedXX/XX/XXXX payment. So now my account will always have an overdue balance because the " misapplied '' my misapplied XX/XX/XXXX payment. My credit dropped 30 points. I was devastated. I had made numerous calls and each time I am told something different. This is extremely frustrating. The last Rep I spoke with did open a fraud report, by I no longer trust these people. They even had the audacity to send a survey via email. Really? Trust me, you don't want to know what I really think about you or XXXX XXXX   in XXXX XXXX, NJ. This whole lease experience was a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.

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 2019-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.

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 2020-01-27
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
In XXXX and now in XXXX Equifax does not give an annual credit report from XXXX XXXX XXXX Equifax fails through XXXX XXXX XXXX and through direct contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to you today to bring to your attention an incident that took place with a Chase representative in XXXX of 2018. I called into Chase to discuss unauthorized charges on the account. When I went into detail with the representative, he told me to be more responsible with spending. The conversation went downhill quickly, the purpose of the call was to freeze the account and launch an investigation but after the call I was notified of a credit line increase. This gave me chills, not only did the account not get frozen, the unauthorized charges could be even more damaging with the increased credit line. No doubt this occurred out of spite with the Chase rep. I immediately cancelled autopay and blocked any payment to Chase through my bank, at this point I was literally fearful of this rouge representative. As soon as I finished up with my bank, I then called back and discussed the incident with a supervisor who assured me that they would review the call recordings and reverse the increase. 

The account has since been closed and charged off ; this does sadden me as I had previously maintained a 10+ year account with Chase always in good standing. I have recently received a letter from XXXX XXXX XXXX XXXX offering to settle the account. I am willing to settle the account with the agreement from Chase that they will delete from the credit bureau. The situation WE are in is due in part to the rogue agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on or about XX/XX/2018 i was trying to obtain a small personal loan i answered what seemed to be a professional ad i was going through the process like normal on the phone with the company after most of the transaction was complete and my account info was given for a deposit to be made via ach method which i know is common they had all of the sudden asked for what they called an insurance payment to be sent i immediately told them no and wanted nothing more to do with their company as this was a red flag i then looked at my account and noticed several payment i had made prior had been disputed and put as a credit in my account there was a credit card payment car insurance payments and even a withdraw from an actual chase atm at my branch concerned i raced to chase bank and closed my account with a manager and told her what was happening these crooks were able to dispute XXXX dollars in payments i had previously made and withdraw all of it from my account this is a clear case of fraud as i know and was told by several chase branch managers but after working with the fraud department at chase they are not refunding the money that was stolen the did give a temporary credit which i used to repay my bills that had been reversed after a few weeks they told me i was responsible for the amount stolen this is an outrage and very unprofessional i sent all they asked for and they still will not credit my account i just dont understand i also think some one at chase is working directly with the criminals and i told chase that as well i have no idea how they can be so negligent and allow my account to be compromised in this way the way the fraud department is handling this matter was even a shock to chase management themselves they all noticed a clear case of fraud there is even a charge for a currency exchange thamk you for all your help as i have nowhere else to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My name is XXXX XXXX - I live in XXXX, North Carolina. 

Someone has opened a credit card in my name with Citi CBNA - I have contacted the bank but they have not responded to me with via phone or online. I would like to find out how has used my social security to open this credit card.

I currently have a {$41.00} balance on this credit card and am not aware who used my social security to open this credit card.

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 2021-02-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF EDU XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have already filed a complaint against National Collegiate Student Loan Trust ( NCSLT ) # XXXX-XXXX. I was encouraged by my " for profit '' XXXX  school to take out predatory private student loans while I attended their school for almost 10 years at the rate of approximately {$5000.00} per semester. I never graduated, and am now a XXXX XXXX  XXXX XXXX  rated as individually unemployable. I have a very limited income, and can barely pay my rent since my ex-husband left and stuck me in a lease of $ XXXX/month ( which takes up 99 % of my XXXX check ). Although all of my federal loans have been forgiven due to my military  XXXX status, NCSLT insists that I owe approximately {$120000.00} with ever increasing interest. After the last dispute/ investigation, NCSLT told investigators that they didn't know who I was, and so the investigation was passed onto their collection agency, XXXX , XXXX . Since then, however, I received mail from XXXX XXXX stating that NCSLT intended to sell my financial information to others unless I returned their form with the appropriate checked boxes. In addition, NCSLT has now hired a new collection agency- Patenaude & Felix , A.P.C. See attached documents. I fear that NCSLT will continue to ruin my credit due to these predatory private student loans that were heavily encouraged by my " for profit '' graduate institution that targeted students that were either immigrants or else were the first in their families to attend college prior to 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: GUARANTEED RATE INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was working with a mortgage broker, XXXX XXXX, in XXXX to get a pre approval. I gave him permission to pull my credit to approve me. Yesterday we reached out to speak about next steps on getting a mortgage commitment. We were asking questions about needing a survey and instructions his lender has for the process. He started talking about rates and I said I would need to talk it over with my fiance about our options. I specifically asked him not to run my credit as we were still discussing through options and needed to read paperwork he sent over. I also sent him an email to send me more information on different types of rates. He then ran my credit without my permission and is saying he did not. I looked at my credit report and it says it was pulled by his company Guaranteed rate twice. ( 1 ) XX/XX/XXXX was approved. ( 2 ) XX/XX/XXXX was not approved. I would like to dispute this credit pull and also report him for misrepresenting that he pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Omnipoint Capital
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving phone calls at work and have explained to them I can not receive these types of calls at work. I don't know why they are calling me, they wont tell me any information, or if they even have the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: WELLS FARGO & 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:
XXXX hard inquiry XX/XX/2019 was not authorized

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 2018-07-08
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 account on my credit reports from XXXX, XXXX and Eqifax from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pulled my credit report last week and noticed that a debt collection agency FIRST FED CREDIT CONTROL is noted on XXXX report in collections. I reached out to them on XX/XX/XXXX and gave the rep. all of my personal info they required to pull up my account. They were unable to find me in their systems. I was then told that a manager had to call me back about this situation. The manager hours later called me and stated that I owe {$120.00} for a medical bill in XX/XX/XXXX. I asked who was the original creditor and they were unable to provide this information and stated that they bought the debt from another debt collector and also did not provide that company information. So I am having trouble validating this debt and I do not recall ever getting services from the medical provided listed on the credit 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 2018-07-08
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 collection account on my credit reports from XXXX, Transunion and XXXX from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?

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 2020-11-18
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX : I first recieved a notice that I was being sued by Lyons, Doughty & Veldhuis ( LDV ) regarding an alleged debt. 

XX/XX/XXXX : I filed a response/opposition and was notified by LDV that this matter was no longer being pursued. 

XX/XX/XXXX : A notice for a default judgement was sent to an address of a home that I do not own. I was never given a summons with a court date for which I needed to appear. 

Amongst many other shady tactics, the fact that this company pulled this stunt during the middle of the 2nd wave of a pandemic for which I have lost MULTIPLE loved ones is inhumane to say the least!

Company response to consumer: Closed with explanation