BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
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:
Infiniti financial reported me 30 days late in XXXX/XXXX 2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted Infiniti in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to Infiniti at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF ED / XXXX ( Open Date ; XX/XX/XXXX, Balance {$4100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2200.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$610.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2900.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$700.00} ). XXXX - XXXX XXXX ( Open Date XX/XX/XXXX Balance {$1600.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I  was contacted by a loan representative located in the XXXX XXXX   Branch office. The loan representative failed to identify herself. 

I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. 

The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. 

I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. 

The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. 
I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. 

XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. 
XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. 

XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. 

Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently checked my credit report and notice incorrections on my report that were not mine. 
the credit bureau did not remove the information that was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
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:
Select Portfolio Servicing bought my mortgage from XXXX, which was the Mortgage holder at the time. It was a couple years after I filed chapter XXXX bankruptcy. I did not include my home in the bankruptcy and submitted the courts documentation, the same documentation I am uploading here, showing that it was not included. I am not sure how many years ago that was. They continued to report it as part of the bankruptcy. It has now been 10 years after the filing, and it has fallen off my record per Federal Law. They are still reporting the house was part of a bankruptcy. I tried to get a loan, and Select Portfolio told them either on the phone and/or submitted documentation to the loan agent, telling them that the home was part of a bankruptcy. I am FED UP of this misrepresentation and now they are not only misrepresenting me still, they refuse to change it and they are messing with my future..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a hotel branded card, online, serviced by Chase. The automated response from them was one of, they needed to do additional research. After a few days of not receiving a reply, I contacted Chase. I was told my request was not approved since I had opened up several new credit cards in recent years. This, in spite of a long-term relationship with Chase, with an exceptional credit rating, and large lines of credit with this financial institution. I received a letter several days later, reiterating Chase 's disapproval of my request. I then escalated to the executives offices. I was contacted by XXXX, who basically told me that they could not approve my request, for the same reason. The inflexibility shown by Chase puts me in a quandary. I want to cease doing business with them. However, if I cancel their cards, I will be penalized because the credit reporting agencies will crucify me, with drastic cuts to my credit scores. This, because of my cutting away, of large lines of credit. It appears that multiple credit inquiries can also stain your credit history. Why do I not have a protected option of killing off Chase 's products? Right now, my only recourse, is to replace those lines of credit with non-Chase resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Account number XXXX XXXX  This account was set up to help build credit. And a monthly payment is made and saved into a untouchable account till the XXXX is paid with 12 consistent payments. 
I was understanding that I could cancel at anytime. This was cancelled because I just suffered from a declared disaster from hurricane XXXX and now COVID. As I tried to cancel this and thought it was until it showed up on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never had a XXXX  account this is fraudulent

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 2019-06-07
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I pulled my XXXX, XXXX and XXXX   credit reports and I noticed a collection that I was not privy to having. I immediately typed up and signed a letter and sent it to NCB Management Services , Inc. requesting that they send me a validation letter that included a breakdown of the debt that they are stating that I owe, I aslo attached a copy of my Driver 's License and Social Security Card. I requested that they send me : What the money they said I owe was for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that showed I agreed to pay what they said I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with their license numbers and Registered Agent or Agent of Service : According to the Fair Credit Reporting Act I am well within my limits to request validation from them, I did not receive a response. On XX/XX/2019 I sent NCB Management Services, Inc a 2nd letter requesting validation. On XX/XX/2019 I received a letter from them stating that " after conducting an investigation, we have been unable to substantiate the allegations in your dispute ''. 

According to the Fair Credit Reporting Act, NCB Management Services , Inc. are required to send me proper validation that I owe the debt that they are stating that I owe and as of yet I have not received anything of that nature and I am looking into pursuing legal action towards them. So today, which is XX/XX/2019 I am sending yet another letter which will be my THIRD letter asking them to validate the debt that they are stating I owe!!!!! 

It is unfair that a collection agency is reporting that I owe a debt to the 3 credit reporting agencies and I am not aware of the debt but they will not take the time to send me proper validation. This collection is drastically hurting my credit and limiting me from buying a house, apply for credit and providing a stable living situation for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : 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 2019-06-07
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian and XXXX refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX Account Number 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 2019-06-07
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a collection letter from CBE GROUP , INC dated XX/XX/XXXX stating they are collecting as an agent off XXXX XXXX , XXXX in the amount of {$5500.00}. I was able to answer one of the many calls made by CBE on XX/XX/XXXX and spoke to XXXX, who insisted that I verify his information but I told him to send it in the mail. I also told him that after CBE GROUP first call there, should have been something sent in writing. 

Affiant do not now and have never had any business, written, expressed, alleged or implied, with CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX and does not, in any manner agree to contract with, re-age, renew, or revive any alleged contracts or agreements upon which CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX may incorrectly claim, allege or presume exists I owe. Affiant 's records  show that CBE First Contact occurred XX/XX/XXXX ( " First Contact '' ) by a robodialed, automated telephone call to a telephone number listed in the name of the Trust. Affiant 's records show that since First Contact, CBE, did, in willful violation of the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) and before mailing collection letter within five days of First Contact, call a telephone number listed in the name of the Trust 15 times. Records show that CBE, being without any lawful permissible purpose did, in willful violation of the FAIR CREDIT REPORTING ACT ( " FCRA '' ) governing permissible purposes, did, before or on XX/XX/XXXX request and obtain from XXXX, XXXX unlawful access in the consumer credit report of the Trust. 

On XX/XX/XXXX, an affidavit was mailed USPS Certified Mail to CBE GROUP, INC and received but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX experian ran my credit for XXXX  for a line of credit. Experian reported key factors that adversely affected my credit score : lack of sufficient real estate account information. When asked by XXXX i reported that i have no mortgage as i own my own home as of XX/XX/XXXX. I have no mortgage due to paying cash for my home and no mortgate was needed. It seems as though because i never had a mortgage Experian is using the fact that i never had a mortgage to somehow show i am at a higher risk of repayment therefore lowing my credit score and increasing the my cost for credit.

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 2023-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I noticed in XXXX that my credit report contains late payments reported on XXXX andXX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016 and XXXX XXXX University in the summer and fall ofXX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team  relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.

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