BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.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 What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say 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 Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I went to purchase a car at ( XXXX XXXX XXXX ) XXXX in XXXX, Florida after being told I could get a car for less or equal my current payments and get a rebate due to my XXXX XXXX membership. I was pushed into a car loan with a {$630.00} payment which was {$100.00} more than my payment on the car I was trading in. The new loan came out to be {$30000.00} on a XXXX  XXXX XXXX, {$12000.00} more than the car was worth new and $ XXXX {$18000.00} more than it would be worth it when I drove it off the lot. The loan was made under duress as I spent 8 hours at the dealership waiting for the financing to go through. I told the finance manager at XXXX XXXX I was concerned about the amount of the payment for the car, especially because it was not the car I wanted but the car that the salesman and the dealership would get the most rebates on. I wanted a XXXX  they pushed me into an XXXX. The finance manager told me I would be able to refinance the car within 6 months. So I signed the contract because I was tired and it was XXXX. I called XXXX in XX/XX/XXXX and informed them of these practices and they said they would look into it. I had a medical accident in XX/XX/2018 which caused me to miss several days of work and end up needing XXXX. I called NMAC and told I couldn't pay the bill and could we work on a payment plan as I was going through financial hardship, they would not help. I asked to refinance the car, they said they don't do that. I called the dealership and their response was to put me in a new vehicle which I walked out of that conversation. Eventually, the lost wages caught up to me and I could not pay the car anymore and had to surrender to repossession. I tried to avoid it at all costs but NMAC would not help me. I was upfront and honest about my situation and was told I shouldn't have taken out the loan if I couldn't afford it. I didn't know 3 months later I would have an accident that would hinder me from working and cost me wages. I also would like anyone to know that finance managers are lying when they say you can refinance the car after 6 months. I have paid {$120.00} a month on the repossession since XXXX but that is a lot considering I was unemployed from XX/XX/XXXX-XX/XX/XXXX due to covid-19. I have told NMAC all of this and they still are coming after me for {$18000.00} on a vehicle that was financed for {$30000.00} that wasn't worth more than the original {$18000.00}. This loan was again made under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an email address XXXX from some source stating it was XXXX XXXX about my credit score being decreased to XXXX and did a dispute and got a message saying contact XXXX  about the dispute and I contacted XXXX  which informed me that this collection agency or the company that I represent wasn't on my credit report. I even contact the collection agency and would give me accurate information. Here 's the link I click on below stating it's from lending tree : 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 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 2019-09-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was un able to open a checking account at chase bank? And I would like to know why it only showed up on XXXX credit report no other reported show up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Mr. Cooper Group Inc.
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A company, Mr. Cooper, bought my loan from my original bank, XXXX XXXX XXXX. As soon as my loan was transferred I began receiving a relentless stream of marketing emails and phone calls. I have asked Mr. Cooper to stop calling me with marketing calls, they have not complied with my request and subsequently I have had to block their phone number. This is problematic, since, if there is a legitimate issue it will be difficult for them to get ahold of me. Furthermore, I receive daily emails, also attempting to sell me something, usually a refinance. I have an online account to monitor my mortgage, unfortunately there is no way to opt out of marketing emails. I am very frustrated by Mr. Cooper 's unrelenting efforts to sell me additional products, I make my payments on time, I've never missed a payment. I need them to stop harassing me. As it currently stands if they have a legitimate issue with my loan, I won't know about it because their phone calls and emails will get lost in the flood of marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX, has a loan on my credit report. XXXX XXXX, does not tell me how much I owe, where i owe this money from, or who has now purchased this debt so that I can contact them and pay it. 

Theyre predatory.

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 2019-09-05
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck on XXXX.19 in my husband 's name ( XXXX XXXX ) for XXXX from XXXX XXXX. It was into our new account at Suntrust bank. I deposited the check in the drive through, and was not told a hold would be placed on it. We got 2 letters in the mail, 1 stating it was being held due to a new account, and 1 stating it was being held due to confidential information that it might be fraudulent. I've called XXXX multiple times, and have been told the account is being monitored. My husband called the local branch and was told our funds would be released on XX/XX/19. However, they were not released. I received a direct deposit into the account today for XXXX from my new job at the XXXX XXXX XXXX of the XXXX XXXX XXXX. I went into the local branch in XXXX VA today, XX/XX/19. When XXXX XXXX called the corporate line, she was told that Suntrust has terminated our relationship. No one can tell me why. They also say since " there was new activity in the account today '' ( aka my direct deposit ), it might take 4 weeks until we receive a check from the bank. I have bills to pay, including childcare, and have NO access to MY funds. I don't understand why they allowed my direct deposit to go into the account if they had already " terminated the relationship. ''

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 2020-07-03
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly called the debt collection agency to pay my debt and left a voicemail, during their regular business hours, and they have not answered or called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX  myself. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by Equifax, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Novad Management Consulting LLC
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My home is under contract & was scheduled to close on XX/XX/XXXX. The closing attorney has been asking for the payoff amount from Novad Management Consulting since XXXX XXXX. Novad failed to send payoff amount to the closing attorney, which resulted in closing getting delayed. The closing attorney and I have made repeated phone calls to Novad with no success. They keep you on hold for 45 minutes - 1 hour, then only say the payoff request has been expedited. They will not give a date when the payoff will be sent. I filed a complaint with The XXXX XXXX XXXX on XX/XX/XXXX, and received a call from Novad on XX/XX/XXXX, saying they never received a payoff request - even though they said on previous calls that the request had been expedited. Obviously their claim is untrue. They promised to send an email to me with further information, but no email has been received. Novad will not allow me to speak with a supervisor, nor will they transfer me to the expedited department - they say they do not have that contact information. I am a retired veteran, living in assisted living, and in dire need of the proceeds from the sale of my home to pay for my living expenses. The buyer is also in jeopardy of losing his interest rate lock, resulting in hundreds of dollars in additional expenses for him. All I ask is that Novad send my payoff amount to the closing attorney so I can complete the sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit Card Company : Capital One Date of Transaction : XX/XX/XXXX Name of Merchant : XXXX XXXX XXXX Amount : {$3600.00} I didn't make any purchase from XXXX XXXX XXXX and didn't take into possession any goods or product related to this transaction of {$3600.00}. I only ordered 2 mattress toppers from the merchant name of XXXX while I travelled in XXXX on XX/XX/XXXX and the original scheduled shipment was on XX/XX/XXXX but I canceled the order on XX/XX/XXXX and reported to Capital One to stop the payment on the same date. I also talked to the sale lady to confirm my cancellation on XX/XX/XXXX. As I called the merchant to cancel my order prior to the shipment date, I assumed the matter had been resolved and I am not liable for this payment. As I can't provide the confirmation of my cancellation in writing, Capital One required me to pay for this amount now even though I didn't receive the product. This is very unfair to me that I canceled my order and informed Capital One to stop the payment on the same date of my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE 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:
In XX/XX/2018 I requested a fraud alert due to several erroneous accounts on my credit report. I submitted several documents to the three credit bureaus regarding the accounts on my report. At the time I was working with a company who said they would remove these accounts and help me rebuild my credit due to this devastating situation. They have failed to due so. I am a victim of identity theft and I am in need of help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was lead to believe that I was going to create my own landscaping business with a business that was being advertised on XXXX called " XXXX in XXXX. '' The people I spoke to made it seem realistic with all the information they spoke and the forms they asked for, they even walked me through the process for filing these forms that included sensitive information about my person. 
Throughout XX/XX/XXXX XXXX XXXX they asked for my social security number, my address and about {$5000.00} in checks to be sent to them for liability/disability insurance for my " company. '' In three different amounts that added up to the {$5000.00}, I sent the checks from 3 bank branches ( Chase, XXXX XXXX, and XXXX  XXXX XXXX ) to these people that where promising my XXXX  business. Once the money was sent and the business partners received it, they were no where to be found in regards to cell phone calls, text messages, and in person interactions. I never had a chance to see these people face to face or XXXX, it was always through phone call or message before they stole my money. 
Immediately I frantically called all three banks to tell them what has happened and if they could help me but none of them did. I bank with Chase and they either never answer or deny to help. XXXX XXXX says since I am not a XXXX XXXX banker, there is nothing they can do to help me either, the same goes for the response XXXX XXXX XXXX. After many attempts of trying to get their help, they show no interest for my situation and how they sound through the phone is even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has a fraud alert on my credit report that I have tried to remove several times. XXXX XXXX won't approve me until this block is removed.

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 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Other problem getting your report or credit score

Complaint:
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with 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 2020-11-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-07-12
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a gym membership with XXXX XXXX. They double-charged my bank account. I asked to speak with someone and no one with authority to fix the issue would speak to me i.e. the manager/owners. I cancelled my account due to moving away which was a valid reason according to the contract. The billing company asked for proof. I had an out of state I.D . all the proof I need. They appearently wouldn't cancel the account as per their own contract terms and sold the account to First Credit Services collections for an amount equal to the entire membership, including what I had already paid. So they charged me for a membership that I already legitimitely canceled. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX http : //www.firstcreditonline.com ( XXXX ) XXXX

Company response to consumer: Closed with explanation