BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
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:
On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX XXXX XXXX Dealership. XXXX of XXXX XXXX XXXX XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute to Experian due to the reporting of a 30 day late payment placed on my credit report by XXXX XXXX XXXX XXXX. According to the contract for the installment loan, the payments for the installment loan was due on XX/XX/2018 and XX/XX/2018, that is what was stated in the signed contract agreement. I made payments according to the signed agreement. According to the contracted agreements and the date of the payments I made, there was no 30 day late payments. XXXX is reporting inaccurate information on my credit report. I disputed the claim with Experian, I even uploaded supporting documentation, and Experian within one day later, stated that there were would be no change to my credit report due to XXXX reported that the information was correct, however ; I provided supporting documentation showing that there is no way I could of been 30 days late according to the contract. I even uploaded my bank statements showing the payment made. Experian did not even bother to investigate into the documents I sent. They are reporting false information on my credit report that is hurting my credit score.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.

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 2017-09-15
Company: Resurgent Capital Services L.P.
State: TX
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 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX was removed from my Transunion Credit Report. For some odd reason, this account showed up on my Transunion Credit Report on XX/XX/XXXX without any communication from the credit bureau. 

Thanks,

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 2019-12-31
Company: JPMORGAN CHASE & CO.
State: TX
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 AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRUADULENT ACCOUNT IN MY NAME : JPCMB CARD SERVICES # XXXX OPENED : XX/XX/2015 AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Reporting company used your report improperly

Complaint:
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One Bank the account was closed in XX/XX/2022 by Capital One due to a decision to end their business relationship as a result of an internal review conducted by Capital One. The review was based on transactions that occurred within the account. The balance at the closing of the account is and is currently {$46000.00}. After numerous calls and visits to the branch, the explanations of releasing the funds due to the account holder are inconsistent. Capital One is giving the account holder a difficult time releasing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Bread Financial 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:
I purchased a {$5.00} dollar item on XXXX, I thought I paid by PayPal, which I usually did and paid with my own bank account linked. However, next day I got a call from XXXX XXXX  ( my credit monitoring tool I use ) regarding my hard inquiry activity. I checked the hard inquiry company, it is PayPal Credit, they opened an account with my {$5.00} dollar balance without my consent, and requested a hard inquiry on my credit profile. What in the world would I open a credit account with {$5.00} purchase? So I called them to close my account right away the next day. I requested to remove my hard inquiry on my profile, they told me to fax over my information. I did fax over. I asked to confirm if they receive my fax, the customer service replied 1 week later, told me they did not receive my fax doc and informed me to fax to different fax #. I am not happy with the speed of their customer service and why did you tell me to fax to one number, then to different next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: IN
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 noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items

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 2018-12-07
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For a number of months, I've been receiving several calls daily during the week from the same phone number. This phone number changes on a weekly basis. The caller name NEVER appears and the caller NEVER leaves a message. I have never answered these calls. 

When I XXXX these phone numbers the source is always 'National Credit Adjusters ', supposedly a debt collection agency. I have NO debt and have maintained a consistently high credit score for many years. I monitor my credit report through several credit monitoring agencies and in addition to no debt, there have been NO inquiries on my credit record. I'm not sure how they got my phone number, but this is obviously a case of mistaken identity. 

This so-called company does not identify itself or leave phone messages. Based upon the comments of others, National Credit Adjusters attempts to verbally intimidate consumers into paying non-existent debts, debts they no longer owe, or far more than the amount owed. During the summer, your agency received a settlement of hundreds of thousands of dollars from National Credit Adjusters company for engaging in unlawful debt collection acts and practices that harmed consumers. I have no intention of communicating with them and becoming their latest victim. 

I want these phone calls stopped. It would be nice if the company could be put out of business for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX send me to collection for the money I did not owed, I try to called XXXX  for fix the issue and they said that they made a mistake. However the debt collection still ask me to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Theft Please review the security interest section of your contract ( The security interests secures all obligations which may become due under this contract. This means the alleged debt is paid and you are trying to collect a paid alleged debt from me, against the law. According to 15 USC 1692g, Validation of Debts.

Also, please review when NMAC shared alleged debt with debt agency they broke the law and infringement of consumer rights to privacy under 15 USC 1692b, they are able to sell the alleged debt but not information, view attachments.

In the example, you can clearly see the debt collected that NMAC gave the alleged debt collector and any information obtained will be used to do so. The consumer information violated under 15 USC 1692, when they sent me a letter with their logo and stated they were trying to collect an alleged debt. 15 USC 1692e ( 11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Bread Financial Holdings, Inc.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
Self lender reported my account delinquent during COVID-19 shut down leading to my XXXX XXXX loan being denied for credit. My score was decreased by 46 points. I called to request a good faith delinquent removal and they refused. My situation was explained in detail, I had no history of late payments prior to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Data Mortgage Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were on the forbearance program due to being severely impacted by XXXX including multiple battles with XXXX and deaths in our family. We applied for assistance from the Haf program to help get us back on track. The mortgage company kept saying that this was new to them and was working things out on the back end to be honest there is over a year and a half of back and forth and miscommunication from the mortgage company. The mortgage company continued to stall and so much time went by that amount had exceeded what the haf program was able to pay in full. Haf was able to put us on a partial payment of XXXX and the mortgage company told us that they would take the rest and put it to the end of the loan once Haf paid as they did do a partial claim but told us not to sign it because it was wrong because they didnt include the XXXX from Haf that has not been paid yet and told us that once haf paid that they would update the paperwork and we would be good to go. That did not happen. They put our house on auction and didn't even give us a notice. We just so happened to find out when we called again to check on the status. We have been calling them and they have been stalling on fixing their mistake and giving us the run around and whole time they still have our home up for auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-10-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with XXXX XXXX, and 3 pts with Equifax ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both Equifax and XXXX XXXX about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was contacted by a representative representing Nordstrom Card Services back in XX/XX/2018. After advising her of my hardship, she recommended that I enroll in their re-aging program which allowed me to pay 3 monthly payments and then once competed successfully the account would be re-aged and brought back to good standing. I completed the program in XX/XX/XXXX. The account has yet to be re-aged and is still reporting negatively to the credit bureaus. Ive reached out at least 4 times to have this resolved. Spoke to someone twice who stated they would send the account back to a supervisor to have it re-aged. They advised it would take two weeks. Its been 30+ days and it is still in the same status. Ive attempted to call back again ; however, I am only allowed to leave a voicemail for a company called XXXX XXXX. Both representatives initially advised me to enroll in the program again as if I had never enrolled previously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  XXXX XXXX maybe linked to XXXX XXXX XXXX, however, this supposed company is possibly an extortion scheme posing as a collection agency claiming to be working with Discover Inc. credit card company. XXXX XXXX  XXXX XXXX ( or XXXX XXXX   XXXX ) has attempted to steal or have stolen large sums of money from my bank account. Sensitive user information has been compromised. According to their online reviews, apparently there's been countless victims prone to this attack from XXXX XXXX  XXXX. I have not received any legal documentations from either Discover Incorporate Credit Card Company nor XXXX XXXX  XXXX. The incident occurred XX/XX/2018 ; amount in question is {$1500.00}. The collection agency request that I provide a personal budget information in order to have bank account unfrozen ( ransomware attack ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Brown Olcott, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX never provided an invoice for HOA fees. I requested that they send me an invoice, they never did. Instead they put me into collections. After my answer to the court the collection company sent me an invoice from the HOA which I paid and the check cleared. The collections put a lien on my home and then demanded {$2500.00} in money.

Company response to consumer: Untimely response