BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUME R REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TN
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 and associates listed {$790.00} delinquency report in XXXX, I disputed it in XX/XX/XXXX, they relisted it as being new in XX/XX/XXXX. They keep re-aging the account and marked it as a credit charge and it's a hospital bill that tenncare paid because I'm on XXXX. I complained to equifax about and have filed 22 disputes because the company is re aging the account that was paid and it lowered my credit report 47 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vehicle lease was turned in, was not aware there was a lease turn in fee. No notifications sent to me. Had a XXXX $ fee when I checked my old account which was later taken off due to Honda loyalty buyer and submitted paperwork. Mine and my mothers credit dropped as she was the co signer due to a separate {$20.00} fee that i was unaware of. Tried to resolve it, paid the XXXX $ and they would not take the report off of mine or my mothers credit. Lack of communication on their part and I would never hurt my or my mothers credit score over {$20.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was locked XX/XX/2020. I called the bank to ask why my account was locked, but I was denied any explanation. I was told it will take 7-10 business day to process the account for closure and another 7-10 business day to mail my balance in form of a cashiers check. I later called them after 4 weeks and was told that my money cant be released because they want to be sure the fund was meant for me. I called again and was told to bring evidence to the local branch to proof the money was intended for me. I submitted the proof on XX/XX/2020 and I was told the evidence has been approved that my money will be mail next business day which XX/XX/2020. I later received a call XX/XX/2020 from XXXX and his supervisor that they can not release the money because they want to further investigate the money. This is being ongoing for over a month. The money that is being held has verifiable source which IRS for my tax return and my unemployment benefits. This is frustrating. I am out of job right now due to COVID-19 and chase bank is holding my money for no reason. I am beginning to believe theres more to this. I want to believe I am being discriminated against because of my name. Please help me to reach out to them to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Attorney General - Child Support have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-04
Company: CREDIT ACCEPTANCE CORPORATION
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've try reaching out to Credit Acceptance Corp any time and still have not gotten a respond I send them debt validation letters asking them how they've verify these items on my report and I've had a car loan with them and still no respond. I've contacted the credit bureaus asking them to remove these accounts from my credit profile and still no responds.I would like these accounts remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Nationwide Recovery Systems, Ltd
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up on a complaint I lodged against Nationwide Recovery Systems for violating the federal law and violating me. Review complaint I previously lodged and the complaint number is XXXX XXXX. How on earth can you have closed this case with everything still pending, they told you they were going to furnish me with a validation of debt which they never did. By law they have to furnish this information to me in 5 days of my request. My request for this information to Nationwide Recovery Systems was over a month and a half ago. They lied to you they lied to the credit bureaus when they re aged my debt. And not a single thing was done by them to remedy the situation. Why is it they are allowed to break Federal Law and not suffer severe fines and audits. This whole complaint process with you was worthless because not a single thing came out of it. How are you protecting me when you simply close the case the moment I took your advice and provided feedback. The feedback I gave you told you they did not comply with their promises, but yet you closed my case. I demand you re open this case and I demand The Federal Trade Commission severely fines them and audits them. I am at the point that I want to file a class action lawsuit against Nationwide Recovery Systems, because if they illegally re aged my debt than who only knows how many others they did this to. First of all they replied to you they were assigned the case in XX/XX/2018. They were not assigned the case they bought this made up debt from another debt collector for approximately XXXX dollars. And they told you they have to contact the creditor with the validation of debt so they can send it to me. That is another lie, when you buy old debt the debt validation comes with the purchase. The initial debt collector would have already furnished them the debt validation from the initial creditor the moment they purchased the bad debt. So by closing this case you are telling me yourself and the Federal Trade Commission it is ok for them to break Federal Law without serious repercussions. RE_OPEN THIS CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my file. 
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 explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MI
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Sunday XX/XX/2018 at XXXX i texted someone from XXXX if two XXXX   XXXX tickets were still available. He called me back and said he could do two for XXXX, i asked how will i receive the tickets he said he would log into XXXX XXXX once he receives the money and email me my tickets. I asked if he is not gon na be at the game how do i pay em for the tickets. He responded just send through your banking app ( I had never used XXXX before at this point but knowing my bank is backing it i thought it would be protected like XXXX ) Sure enough i send him XXXX and his phone turns off once he receives it. I call the bank and they can't do anything about it ( His info for XXXX is XXXX and his name is XXXX XXXX XXXX ) My XXXX was transferred from my Bank Of America account, to his bank of america account. XXXX also said they can not do anything since they can not access someone else 's account to get my money back. I filed a police report through XXXX county sheriffs dept. case no. XXXX. 

People need to know XXXX is not safe or backed by your bank if you are scammed, false sense of security.

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 2018-07-18
Company: Financial Corporation of America
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX XXXX  on XX/XX/XXXX, I received a call from a person who refused to be helpful. I asked repeatedly whether this was an attempt to collect a debt and was told that the company ( Financial Corporation of America ) did not have to tell me that unless I verified my address and date of birth. 

The representative kept calling me sir ( I am a woman- and the person refused to stop calling me sir for a long time- I am very self conscious about my voice ). The representative also informed me that the company would not send any further mailers unless I gave them an address- then the person stated my XXXX daughter 's name. 

I believe this is a scam and told the person that I thought so and the person insisted on wanting to end the call while I asked to research the company online. A " supervisor '' came to the phone at my request and stated that another mailer would be sent. 

I do not know this company and do not know why they would be contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SANTANDER HOLDINGS USA, 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:
I am requesting these documents because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. 
SANTANDER CONSUMER USA XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. 
My request was sent via XXXX Certified Mail, Receipt # XXXX and was delivered on Sat, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Identification Card, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card for identity and address verification. 
I have received no response from TransUnion regarding my written request to be provided with a free, complete copy of my credit report. 
I have not received my credit report as requested from TransUnion. 
I am a Victim of Identity Theft and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my Credit Report as requested, which is well within my rights as a Victim of Identity Theft.

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 2022-11-23
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Discover Bank services my student loan, this is continuation of my complaint filed on XX/XX/XXXX. Discover has remediated by account based on a Consent Order by the CFPB where they are identified as the Respondent. 

Respondent failed to take proper steps to identify the loan account as belonging to an Affected Consumer and remediate it under Consent Orders Consent Orders XXXX CFPB XXXX and XXXX until XX/XX/XXXX. On XX/XX/XXXX with a {$17.00} credit as a result the Respondent is operating in a space where they are out of their depth. Under the Consent Orders, Affected Consumers consumers potentially impacted by a Consent Order Violation means an act, or omission that was not in compliance with the XXXX Consent Order, while still effect or a Migration Issue means any student loan servicing error arising from the Migration impacted student loan borrowers or cosigners. Respondent is out of their depth with regard to : complying with Consent Orders XXXX CFPB XXXX and XXXX was already in violation of XXXX Consent Order. 
The Compliance Plan approved by the CFPB and implemented has failed as evidenced by their attempt to remediate this account almost two years after the XXXX Consent Order. 
I filed a CFPB complaint on XX/XX/XXXX regarding the increasing interest rate, no one offered help, alarming total payments made {$22000.00}, principal {$640000.00} and interest XXXX. I have made at close to more than144 payments since origination with XXXX and payment started late XXXX or XXXX. I recently paid {$2400.00} which I could not afford. 
Over the years, I had no access to how much I have already paid on the loan because Respondents representatives could not give that information when I asked. This was a XXXX because they did not want you to have access to information showing that you have overpaid the loan. Now, it appears on the statement. 

I have XXXX confidence that as a now identified Affected Consumer that they have serviced this account correctly. I am sinking my credit in attempt to get away from 15.125 %. At two years past the last Consent Order and violation, their approved Compliance plan did not work. 




I in no way should be made to be pay for the continued lack of the compliance and sill that they lack as evidenced in their continued failures in the student loan servicing field. 
I have zero confidence that as a now identified Affected Consumer that they have serviced this account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had quite a few unauthorized uses and charges made to my account, starting back in XXXX of 2022 to present. I have been notified by the fraud prevention department quite a few times to verify if those charges were made by me, in which case I told them that they weren't. Iam very grateful for the fraud prevention department! but ever since I have used my debit card online, I have had problems with fraud being detected on my account like I said Starting back in XXXX of 2022. I have never had any issues with Wells Fargo until the last 6 months. I have been a loyal customer since XXXX and due to all of the fraud on my account the bank. As of XX/XX/XXXX, Wells Fargo has decided to close out my account, and they no longer want to work with me as a customer anymore. This is very frustrating and upsetting to me having to deal with all of this nonsense over the last six months. And now to this day, the banks is trying to tell me, that my account ( after being closed now supposedly going on 3 months ) is negative (. - {$600.00} ) and itis being sent to collections with this negative amount stating that I supposably owe the bank that amount. That doesn't make any sense to me, at all on how they all of the sudden they are saying that I owe them that amount when I had my SSDI payments going into my account on a monthly Basis for the last couple of years now. I just don't understand why or what is going on. Now since my account has closed, I am having problems getting another trustworthy bank to be able to put my monthly XXXX payments into. this is just a very unfortunate situation that i personally thought that I would never have to go through. But I guess not first time for everything...

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 2018-07-18
Company: Old Republic National Title Holding Co.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please respond in writing and advise me of ; 1 ) Any Interest XXXX XXXX XXXX XXXX XXXX XXXX, its subsidiaries, reinsurer and or affiliate have, hold and or own, including Beneficial Interest in properties commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX and or XXXX XXXX XXXX XXXX XXXX, NC XXXX. 2 ) Please provide me with the legal description of any first mortgage loan ( s ) fee simple real estate that you or your subsidiary, reinsurer and or affiliate have accepted without recourse as it relates to the insurer ; ( 11 NCAC 11C .0119 ). 3 ) Please respond to my previous letter dated XX/XX/XXXX as this now serves as my third request. 4 ) Please provide me with the policy numbers as reflected on the HUD dated XX/XX/XXXX for the GAP in coverage spanning XX/XX/XXXX - XX/XX/XXXX. 5 ) Please provide written explanation of why XXXX XXXX XXXX XXXX XXXX XXXX insured stacked and recorded four Deeds of Trust specifically dated XX/XX/XXXX and XX/XX/XXXX that were not in compliance with XXXX XXXX  ( servicer ) closing attorneys specific written instructions. 

Thank your in advance for taking the time to understand my complaint and your substantive response to these specific five issues each being numbered above. 

Regards - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: MIB Group, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out to MIB XXXX. And havent got a respond I would like my MIB credit report frozen! As they are reporting my medical information which goes against XXXX As well as new consumer law all medical bills under XXXX should not be reported! 

XXXX letter Sent XX/XX/XXXX XXXX attempt XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation