BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-04-07
Company: Experian Information Solutions 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:
This is a request for assistance with Experian, XXXX, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX  XXXX  Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL 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 2019-07-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Discover credit card company.

Then onXX/XX/2019 Discover sent me a letter stating that they received communication from me or my agent indicating that I would no longer be able to meet the financial obligations on the account. And as result Discover has closed the Discover credit card account.

Since XX/XX/2019 to XX/XX/2019 ; I have called the Discover customer service telephone line several different times asking Discover to correct the mistake of closing the account and to re-open the account, but Discover has repeatedly told me the account can not be reopened and that Discover has the right to close the account at anytime according to the terms and conditions.

On XX/XX/2019 I called the Discover general inquire telephone line and spoke with XXXX, Agent XXXX in the Ohio office. She stated that Discover received correspondence from either me, my agent, or my

Power of Attorney stating that I would no longer be able to meet the financial obligations on the account, and to closed the Discover credit card. She explained that Discover 's terms and conditions states that Discover has the right to pull the credit from the account if it is determined to be in Discover 's best business practice. She provided me with an address to correspond to about the account at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. She further stated that once the accoun
t is closed that the account could not be reopened at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Diversified Consultants, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have identified information in my credit file that is inaccurate. The findings are inaccurate from Diversified Consultants for a XXXX XXXX XXXX account. The balance was originated in XX/XX/2017 and paid in full in XX/XX/2017. I never received a collection notice from the above named Agency. I spoke only with the XXXX XXXX XXXX representatives. This is the sole reason that I am disputing this inaccurate information reported against my credit as being negative, it has adversely affected my credit which has been denied in the last 60 days. I request that the inaccurate report put on my file be corrected or deleted inaccurate, incomplete or unverifiable information. This is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-12-22
Company: EQUIFAX, 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:
Ive noticed a fraudulent account on my credit report and I have submitted a complaint with the federal trade commission. I have already reached out to let you know about this account but nothing has been done. The account is affecting my score. I am currently trying to purchase a property with my family. Please remove this account from my report in accordance with section 605 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Account information incorrect

Complaint:
This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.

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 2021-12-01
Company: OneMain Finance Corporation
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 XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX  Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXXXXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX  XXXX XXXX On XXXX XXXX XXXX XXXX  XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

Fair Collections is Closed/Charge Off Account and Comments Say XXXX and XXXX Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... XXXX XX/XX/XXXX... TransUnion XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX XXXX XXXX Is A Closed Account On TransUnion and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2018-06-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Opened a XXXX charge account. Created a XXXX account and placed an order. Order was cancelled and account was locked, now can't use account. I opened a XXXX charge account. I placed a XXXX order and requested that the order be shipped to me using the same name, address and phone number that is on my XXXX store credit card account. My XXXX store card was successfully charged and then a few hours later I recevied an email saying my order had been cancelled due to " verification issues ''. I tried to log into my account and it said it had been suspended. I called XXXX and after waiting on hold for over an hour I spoke to someone who said they would put in a request to allow me access to my online account again. I received an email today ( XX/XX/18 ) saying that my XXXX online account could not be fixed due to " Verification Issues ''. So now I am left with a XXXX charge account that has been approved and opened by XXXX XXXX but the retailer ( XXXX ) will not let me shop at their store. Since XXXX did not contact me to help with their " verification issues '' I have no other option. I can only shop at XXXX with this charge 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 2019-07-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery is reporting a paid collection acct on my credit report for {$130.00}. I have not worked with this company nor do I have any collection acct with them. This information needs to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 have 3 charges on my American express card, first was made on XX/XX/2018 in the amount of {$2600.00}, then 2 more transactions on XX/XX/XXXX same merchant in the amount {$2600.00} and {$2500.00}. 
I contacted my manager that was at the time holder of additional card and he advised me that he didnt do this transactions. Then i contacted Amex and made a billing dispute, after XXXX moths Amex sent me something in XXXX claiming that they got prove from another side. I reviewed this documents and noticed that signatures dont match. I called Amex and opened fraud dispute. 3 days later get letter from Amex that their decision stands. 
I contacted merchant and ask them to provide additional information, after providing to merchant all details of transactions and documents that Amex sent merchant respond was that they have no history or record of said transaction and have to take this with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a house fire in XX/XX/2018. We received our insurance check promptly, endorced the check and sent all requested paperwork to our mortgage company ( Flagstar ) immediately upon receipt. To date we have yet to be issued any money from our insurance check. We have been told they will issue it, then another excuse comes up that it hasn't been issued. When we call back to find out what the issue is, we are told there is no issue and they will send the check, which as yet to occur. The last instance ( today ) I was told for the second time they want a copy of the contractor 's license ( not initially requested by them ) and when I call in, I'm told that the state of Pennsylvania doesn't require that. It has been two months without any money, which means no repairs can be paid for, no heat in my house ( in the middle of winter ), and a mortgage company that seems to be holding onto my insurance money and giving us every non-valid excuse in the book to hold onto the money.

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 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
The date of XXXX XXXX at approximately XXXX I decided to go to XXXX XXXX XXXX to finance a Vehicle XXXX XXXX XXXX XXXX During this Process I worked with manageXXXX XXXX he proceeded to walk me through the entire process and explain to me the requirements for financing the vehicle. He asked if I would be putting anything down on the vehicle. I explained to XXXX, I wouldn't be putting anything down since they were under Truth In Lending Act pursuant to 15 U.S. Code 1605 : ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge. 
( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

XXXX then begin to tell me that a down payment was required, even though I'd just explained to him the laws and also explained to him it was false and misleading information. Pursuant 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. 

XXXX explained that I'd been denied by Capitol One Auto Finance. I then explained to XXXX once again that this was false and misleading and pursuant 15 usc 1681 thats adverse action because they can not deny me an extension of my own credit.

Company response to consumer: Closed with explanation