BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 2019-09-06
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, Continental Credit Control, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX reported a debt collection to the Credit Bureaus that claims I have collection account with XXXX XXXX XXXX XXXX XXXX XXXX for {$140.00}. I contacted XXXX XXXX  XXXX XXXX XXXX XXXX at ( XXXX ) XXXX, and my account is not in collection and does not have an outstanding balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my bank account abruptly without warning, notification or motive. 
I was left unaware of the situation of closure for no motive like overdraft or legitimate reasons. 
Within a few days, i was faced with disastrous consequences like incapacity to cash my paycheck and incapacity to have access to my funds. 
I contacted immediately the customer service which claimed first that my account was closed by the fraud department then later on that it has been decided that my bank account will be closed at their discretion. 
i asked them to give me a legal, legitimate reason for the account closure, the answer was it is heir right to do so. 
I am in shocked, i don t know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Account status incorrect

Complaint:
Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from XXXX  saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.

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 2018-03-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is one of those XXXX loans that were upside down then they went under and my loan was sent to XXXX, where i was offered a numerous amount of loan mods but when I called none of them were valid. Then it was sold to Specialized Loan servicing which has also been a disaster. I have tried to contact them for assistance. My payments are late because I was told my payment was XXXX and thats what i was sending, then it started going up and I was never told that it was gon na happen. So now I am like XXXX behind and never been able to get help. I know I should have gotten a lawyer when all the XXXX situation happened but I wasn't very knowledgeable. Now I am reaching out to all the avenues to see if I can get some help I have reached out to XXXX, SLS, XXXX XXXX XXXX even tried getting help with a company called XXXX. We are always worried that we are gon na come home to find an eviction notice but every month we send XXXX but we don't know what to do anymore Im begging for asssitance and file a complaint on all these companies. I feel that its something wrong that has been done. I have practically been renting my home with no stability.

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to Transunions dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX/XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what Transunion, XXXX  and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate 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
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a hard inquiry on my my credit report. JPMCB card services inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
Chase credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
On or about XXXX the XXXX 2023 my truck was repossessed but I was still paying on my truck and thought everything was fine so I called the loan company and they said I was 104 days late and they still took the money for truck payments but before all this happened my wife passed away so I called the loan company ( Santander ) and asked them to defer the 3 months of payments to the end of my contract and I thought they did but now I dont think they ever deferred those payments and as a result my truck got repossessed my wife passed XXXX so the payments were supposed to be XXXX, XXXX and XXXX that got deferred until the end of my contract they repossessed my truck with no notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Paramount GR Holdings, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am filing this complaint against Good Leap, who is financing the solar panels that I purchased for my home. I am trying to file a complaint against the Solar Panels due to the fact that I am financing a non working product. I have called the solar panel company to rectify the issue to no avail. 

I have contacted Good Leap to address the problem and dispute the charge but they continually tell me that they will call me back but never do. As a result, they are denying me the ability to dispute this fraudulent charge with the solar panel company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
sent closing documents with a XXXX year loan and a payment I agreed with. I signed the same documents multiple times over a XXXX  month period. I get a pre closing documents on the XXXX saying closing on the XXXX. I signed them. I haven't heard from the mortgage company for XXXX  days. then today I get another closing agreement with a XXXX year period and same interest. 
This is for a refinance of a boat loan. and this loan is worse than the loan I'm trying to refinance. They made my appraise my house for {$540.00} and then change rates and term after I do ... under my nose. Fraudulent and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed immediately!

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 2022-03-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.

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 2023-02-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within XXXX  days gives reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.

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 2023-03-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account is closed with a credit balance. Bank refuses to provide money back.

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 monetary relief
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-08-07
Company: DriveTime
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.

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 2018-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with Citizens Bank. Citizens Bank has refused to enclose cancelled checks ( advanced of HELOC ) with monthly statements. I don't have records of the checks I used. I was told that I have to call in or write to request a copy of cancelled check. The representatives sometimes are not friendly, hang up phones, abuse their powers. Sometimes, I was on hold for 50 minutes to speak to a rep.

I request Citizens Bank provided copies of all cancelled checks with monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX has a report of delinquency in error. I have reached out to the company several times and they refuse to remove these reports

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 2023-03-05
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been trying to reach out to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and other consumer protection agencies to get this matter resolved once in for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-20
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: Was not notified of investigation status or results

Complaint:
I have submitted several disputes on behalf of the incorrect information being reported on my credit report. The last dispute was received by the credit bureau on XX/XX/2021. Since then, I have not received a response regarding the investigation I requested into the information on my report. Per the FCRA, the credit bureau is required to respond within 30 days which has not happened. The credit bureau has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. None of this has happened and as a result my personal credit has continued to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My name is XXXX and I just had my first babyboy almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I send a letter to Experian, XXXX XXXX and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.

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