BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-12
Company: Affiliated Acceptance Corporation
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affiliated Acceptance Corporation continues to charge me for a membership with a company I no longer am associated with. On XX/XX/2018 I signed up with XXXX XXXX in XXXX XXXX New Mexico for a membership. I was reluctant to do so because I travel extensively and am not able to use their facilities much more than two or three days a month. The employee at XXXX XXXX assured me that this would not be a problem because they could just " put my account on hold. '' XXXX XXXX received a one week notice that I was going to be going to XXXX  and would need my account to be placed on hold. They received a 72 hour notice. By the time I gave them a 24 hour notice, I was charged for the month of XX/XX/XXXX. I wasn't in XXXX XXXX during the month of XX/XX/XXXX and they were not authorized to charge me for that month but they did anyway. Now, Affiliated Acceptance has decimated my credit score by reporting this as a late pay. They know the situation yet they continue to charge me even though I no longer wish to do business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed account listed below that does not belong to me and Experian, XXXX and XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX, reporting XXXXXXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 payment was paid in installments. When a Sun West Mortgage representative called to collect {$1.00} deficit for XX/XX/2020 payment, for some reason transaction didn't clear. Sun West Mortgage used line of credit overpayment to cover {$1.00} deficit to XX/XX/2020 payment. Sun West Mortgage reported XX/XX/2020 payment to credit bureau as 30 days late. XX/XX/2020 wasn't in suspense for incomplete payment. Payment was taken at Sun West Mortgages discretion, so a 30 day late payment for {$1.00} should have never been reported to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NJ
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:
XXXX  XXXX XXXX reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on XXXX  XXXX XXXX 's own ledger ( attached ) and my bank statements ( attached ). I reached out to XXXX  XXXX XXXX on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with Equifax and received notification that XXXX  XXXX XXXX had verified the information as being reported correctly. The late payment is still reflected on Equifax report and both Equifax and XXXX  XXXX XXXX refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
American Express is reporting wrong amount information to my credit file XXXX XXXX XXXX ACCOUNT XXXX : XXXX. 

I would like for American Express remove wrong amount information to my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm a college student at XXXX XXXX XXXX XXXX XXXX XXXX. I was 3 1/2/ hours away at school when this occurred XX/XX/20. Someone went to an ATM deposited a fictitious money order with 2 denominations {$5.00} & the other says {$500.00}. Supposedly, the subject got {$500.00} out of an ATM on XXXX XXXX in XXXX. There are usually cameras on the ATM machines, that would provide evidence that it was not me. The Chase Bank has debited my account refusing to reimburse my account and my direct deposit check was eaten up by this fraudulent issue. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer XXXX XXXX reviewed a copy of my credit report and understand that National Credit Systems is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 

15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Remitly, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I being using Remitly international transfer money, but for the last 2 weeks i have problems.My issue now is about a refund of {$150.00} on XXXX XXXX.I tried to speak with the company and its horrible, only thru chat messages and they say they will fix it, I check everyday and nothing happens.At this point I just want my money back security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover Is reporting on my credit report that I owe the money however, they do not own my debt. I have contacted them several times to make payment and they tell me that they do not own my debt any longer and that I will need to pay someone else. This is incorrectly reporting on my credit as I do not owe this company. I have disputed this item with the creditor but they continue to report this incorrectly and damage my credit during this pandemic. I will not do business with Discover in the future under any circumstance and I don't advise that you do either in that they will sell your information and then incorrectly list the debt on your credit report. Run!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This loan was paid off by my auto loan directly to Td bank. Td bank made an error as If it was past due. They apologized and fixed the error at the time. However, this is still showing as an inquiry. This is not past due, ever in collection etc. loan was paid off in a lump sum on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: LEXISNEXIS
State: IL
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:
Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through Lexis Nexis also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
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:
These hard inquiries were not authorized and are as a result of identity theft. 
Please delete hard inquiries from credit file. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XXXX, I sold my lease end XXXX XXXXXXXX XXXXXXXX XXXX back to original dealership XXXX XXXXXXXX in XXXX XXXX XXXX XXXX sent a check dated XXXX to Open XXXX XXXX XXXX AZ per instructions from Chrysler Capital ( I was told ). Check was cashed XXXX. Ever since that time, Chrysler Capital still has not shown vehicle lease as paid with XXXX balance. XXXX sent me copy of cancelled check which I have faxed three times and emailed twice to Chrysler Capital who states either haven't received or that payoff check must be in Chrysler Capital 's name. But I keep seeing items that Open Lease is one of the distributors of the Lease End for Chrysler. I do not know how to get Chrysler to resolve this matter. Please assist in finalizing this sale and show Chrysler Capital as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: DISCOVER BANK
State: NC
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:
On XX/XX/XXXX around XXXX XXXX I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XXXX until XXXX and I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX XXXX XXXX XXXX XXXX, NC but have not been able to speak to an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with XXXX, specifically the XXXX XXXX XXXX. 

Around XX/XX/, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with XXXX, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had XXXX sent any communication regarding this forthcoming charge. 

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of XXXX resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with XXXX, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. 

Despite my attempts to rectify this issue directly with XXXX, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. 

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with XXXX and a copy of my credit report highlighting the disputed late payment. 

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-04
Company: Experian Information Solutions Inc.
State: WA
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: Investigation took more than 30 days

Complaint:
on XX/XX/20 I sent Experian a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XX/XX/20 .Experian is still reporting these accounts on my credit report. even after 30 days and no verification or reply.

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 2021-01-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank failed to logically and properly respond to the Original Complaint ( CFPB Complaint Number : XXXX ; JP Morgan Chase Case Reference Number : XXXX ). Please see below. We are requesting that Chase redeem a legitimate Certificate of Deposit in accordance with its terms and conditions. The Chase response offers speculations, some without foundation, and does not resolve the simple action of redeeming a modest CD. 

1. Chase comment : We researched the information you gave us, and we are unable to locate any information on the account you provided.

1. Our response : Because Chase can not locate any information does not mean it doesnt exist. We provided the actual CD to bank representatives and a pdf of the CD with the original complaint. Because the CD is a certificate and NOT an account, the bank should not expect to find an account number.

2. Chase comment : The account may have been closed because of our seven-year retention policy.

2. Our response : Because the CD was perpetual and not redeemed, the bank should not have deleted any records. Deleting records of a legitimate obligation is not appropriate. Further, there is no account to close just an obligation to adhere to the CDs terms and conditions.

3. Chase comment : Please contact the state that the account was opened in or go to missingmoney.com to try to locate any further information.

3. Our response : The original complaint explained, in detail, that we contacted the State of Indiana, and was directed to the Attorney Generals Office. That office stated that the Bank had not transferred any funds to the missing money fund and thus the Bank had an obligation to honor the CD. It appears that the JP Morgan Chase action officer failed to read the details of the original complaint. 

4. Chase comment : If you have questions, please call us at XXXX and reference case number XXXX XXXX. Our response : Four phone calls were made to this number and we were directed to Mr. XXXX XXXX. We were told that he would return the calls. Messages were also left on his voice mail box. We never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Integrated Asset Recovery LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am disputing the debt charged off and now this debt collection company, Portfolio Recovery is calling me two to three times a day using a robo call system. They call at XXXX and also call at XXXX almost everday for going on 3 months at this time. 
XX/XX/XXXX they called at XXXX they also called at XXXX XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX XXXX  XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX The have been told not to call my number but still call and they are also using a Phishing technique to get me to answer by using erroneous local phone numbers to avoid their Company 's Name showing up in my caller ID. 
I have warned them no less than 5 times that I would report their practices to the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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