BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an auto loan originally with Nissan that has now been charged off and closed for {$15000.00}. I contacted XXXX  XXXX  and spoke with a manager name XXXX and I had Nissan loss recovery rep on the line as well within this conference call. I told XXXX  manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that XXXX  doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to Nissan for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with Nissan in the past but I wasnt able at that time due to covid illness and no longer working. I and the Nissan rep was told by XXXX  supervisor XXXX that they ceased the calling and communication on the account and that it depends on when Nissan pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the Nissan rep confirmed and verified with me that Nissan have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that XXXX bought the debt from Nissan as a third party collection. She also stated to me that if XXXX  doesnt collect on debt that they would in turn sell the debt to another debt collection agency because Nissan is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because Nissan no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with Nissan directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I attempted to resolve a debt with Capital Management Services. The debt was taken on from XXXX XXXX. I wrote them and mailed two letters which they failed to respond to within the allotted time. Because they failed to recognize and respond to my letters, I am asking for the debt to be removed both from my history, and my credit report. 

The amount that was owed was about {$5500.00}. I attempted to settle, and they attempted to charge me twice. After learning that I didn't have verification I attempted to request it in the two letters ( as stated above ) and called their offices. I received no response. 

I would like this amount removed from my credit history and 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 2020-06-07
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: Was not notified of investigation status or results

Complaint:
on XXXX XXXX I file dispute to against TransUnion to investigate incorrect information that was reported to my credit report. TransUnion has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 2 wrong addresses and a wrong employer. I requested an investigation for these items and I never received a response or update regarding the investigation.

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 2022-10-04
Company: WELLS FARGO & COMPANY
State: SC
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'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving 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 2020-06-23
Company: MARINER FINANCE, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These companies were pursued in my name without my consent, and they are now on my report as a result of identity theft, I have contacted creditors and bureaus and received no resolve..

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 2020-11-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to the bureau inquiring about my account months ago. They have not responded to my issues and are disregarding a regular consumer dispute. This is very frustrating to have to worry about my credit while in the midst of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: ID
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 accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXXXXXX XXXX. I was in because I was 1 of the 300 top wage earners in the XXXX XXXX. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's avXXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still XXXX for sure and maybe others. I haven't even been able to look at XXXX   becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.

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 2018-10-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
this is not a duplicate request. 

on XX/XX/18 I received notice from Experian that I would need to produce additional information to prove that the chapter XXXX bankruptcy being reported was a result of identity theft, they also stated that all accounts that were previously being reported as apart of bankruptcy have been blocked due to my submission of all required documents including police and FTC reports showing I was a victim of ID theft, they then went on to say that it is not typical for bankruptcies and child support to be a result of ID theft. I have had the creditors included in this bankruptcy to perform investigation and they have concluded that the accounts were not mine or created by me but the bankruptcy that these creditors reported under are still reporting. Experian ask me to submit additional information. I have attached the investigation results from 2 of the creditors that were being reported under this bankruptcy on my XX/XX/XXXX credit report also i have included the letter from the courts which i presented my ID to get this information being reported, but was told there is none under my name and SSN #, and my police and FTC report, this is all I have that can prove that this is not my bankruptcy, please remove this case from my name as it continues to damage me. I have also included correspondence that I received from the " furnisher '' with them ( XXXX XXXX ) denying they have shared my information and that due to the ID theft it is still protected under suppression.

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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX transunion and XXXX  credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days

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 2021-10-14
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When i first moved out i was told i could pay the bill online with any card. I get the bill and call the office shortly after to notify that my account is not active. The employee told me that most accounts do not close immediately, mine was acting weird. So the employee tells me that one of the managers of something ( could be technology or business ) would fix my account so i could pay the bill online. I give it about a week or two and try to login again, but to no avail i could not login. I get no phone call notifying me that the employees did their job. I call again and they said that the last person had given me false information because once an account closes they can not open it again. Why would someone tell me i could pay the bill online if that wasnt true to begin with? I digress, the person on the phone then tells me I have two options : the first being send a money order in. The second being to come in with a card and i could pay it this way. I work full time so coming in wasnt an option until today. So I come in today and the person working informs me that everything I was told prior to today was not correct and THE ONLY WAY I COULD PAY IS BY COMING IN WITH A MONEY ORDER not online with a card, not in person with a card, and not through mail with a money order. Then I call a week before it was due and the same employee I first talked to answered. I tell the employee ( XXXX ) my situation and he said he doesn't know why any of the employees gave me the information I received, when he was one of those employees. The company is XXXX XXXX XXXX. Look up reviews on the management and employees theyre known to be horrible. I emailed the company an email similar to this that expressed more frustration but no response. I would provide documentation but apparently my account doesnt exist, and all my encounters happened via phone call or in person. 
P.S I'm rereading some of the reviews on the complex and it seems as if XXXX isn't the greatest of managers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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 status incorrect

Complaint:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and Equifax that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Equitable Acceptance Corp
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was under the impression that I was consolidating my loan and going into an income based program. The company XXXX XXXX XXXX claimed they were a government agency and apparently used equitable acceptance to finance my loan for a fee. I had no idea I was being charged a service fee to consolidate my loan. They charged {$2000.00} for the service fee. They are drafting my checking account for {$42.00} a month. I tried to cancel because there is no fee to consonlidate your student loans. I can do it myself. I thought the {$42.00} was going towards my student loan balance. However, they said I am stuck with the debt and owe them or they will report it to the credit bureaus. This is fraudulent business practice. By both XXXX XXXX XXXX and XXXX XXXX. My servicing company is XXXX and I believe they are fraudulent as well. They put me in forbearance when I thought I was going into an income based program. Now Ive accrued a ton of interest. These companies are fraudulent businesses. I also have reason to believe they logged into my fafsa account and changed things around which is illegal. They also told me my loan would be forgiven after 10 years which is a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account has US {$1700.00} which has been restricted for more than 180 days. The last transaction date was XX/XX/2019. However, after logging in to my account, I found that I could not perform any operations and could not access the withdrawal page. I have contacted paypal many times by email, but I still can not withdraw cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the Dept of Education and they too could not find any loans associated with ssn. 

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from 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 2021-10-14
Company: Resurgent Capital Services L.P.
State: GA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.

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