BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}

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 2022-08-16
Company: EQUIFAX, INC.
State: NY
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 this accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 US 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 absolutely 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 2022-08-16
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 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2022-08-16
Company: AMERICAN HONDA FINANCE CORP
State: NY
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX HONDA XXXX XXXX, XXXX HONDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
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:
I am a natural person, I am a living being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/2019 I was financed for a XXXX @ XXXX by XXXX XXXX XXXX. I drove the vehicle and had issues with it and called and asked if I could trade it for another vehicle, possibly a truck. The salesperson ( XXXX ) said that it would not be a problem " we can do a trade if that is what you want. '' I called on the next day and XXXX answered saying that XXXX was not there. I stated I was supposed to do the trade today for another vehicle. He responded that XXXX will be in tomorrow. I never received a call to confirm from anyone, so I went in to the office the next day and XXXX asked me to wait so that I can sign the paperwork. I received the keys to the truck and drove it for 1 week. A mechanic said that the 4WD is not good on this vehicle. I returned the truck on XX/XX/XXXX and called prior to get all documents needed to rid myself of this business. I signed 1 document ( indemnification document ) and received words from XXXX XXXX ( store manager ) that he would send an email the following Monday to end the deal. I have yet to hear from anyone at the location after making several attemps to call and visit since XX/XX/XXXX. I have contacted TDA finance and they have both vehicles still under my credit and 1 account shows late. The agent stated that I will be receiving calls soon from the collections department if there is not a payment made. I called XXXX sales and still no answer, call or contact. The store manager is never in the office and none of the other staff have a clue on what should be done. I have contacted the Corporate office to only get the same treatment. This has affected my credit and is also absorbing large amounts of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: GAMACHE & MYERS, PC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Atlantic Credit & Finance, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I received a response from The XXXX regarding my issue with Atlantic Credit and Finance and they acknowledged receiving my payment and that such debt was satisfied. They said debt was being handled by XXXX XXXX and they have been directed to start the satisfaction of judgment process and they attached a copy of a release letter from Atlantic statingthe account in question is settled and the consumer has no further obligation to the account. I called XXXX on XX/XX/2019 inquiring about this debt from Atlantic Credit and Finance. They did not receive anything and that the account was now sold to XXXX XXXX XXXX XXXX # XXXX. I called they stated they had nothing from Atlantic Credit or XXXX and stated I owed more money on the act. I explained to them the situation and that they couldn't help me but that I still owed money!!!

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 2018-12-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient systematically misdirected me into an income-driven repayment option without making it clear that I would not student qualify for Public Service Loan Forgiveness even though I am working in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a student account at Citibank four years ago. The bank clerk told me there was no cost. I opened my account this month and saw that I received two service fees. XXXX and XXXX. {$25.00} each time. I called and complained about customer service. So I know that Citibank changed my account to an account that requires a service fee without telling me. Then, under my complaint, they only refund half of the service fee. I am very dissatisfied. Citibank has all of my information. But they did not inform me that my account will change.

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 2022-08-16
Company: NATIONS DIRECT MORTGAGE, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the middle of the XXXX winter, approx XX/XX/XXXX, our furnace shut down, and we needed it repaired immediately, as we had elderly and a XXXX XXXX XXXX XXXX living in the house, and the heat was not working. I had to call my oil company to service it, and it was an unexpected expense. Due to the high cost of oil, and the service and repair charges, we were unable to pay our mortgage. In the beginning of XX/XX/XXXX, we applied for home owners assistance from the New Hampshire HAF. We were told that we could get assistance if we applied for a loan modification and were denied. We submitted a request for a loan modification on XXXX XXXX... I was asked to submit some missing documents, which I did.. Several days later I called my servicer for an update. They requested more documents. Eventually I faxed, and e-mailed everything they asked for. For the past several weeks I have called for updates, and was told there were no updates. This has been going on for 2 months, with no update. We need the servicer to make a decision ( approve or deny ) the loan modification request so that we can get current and avoid foreclosure. I feel the servicer is taking much longer than they should, and need a decision ASAP. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Hillcrest Davidson & Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I cancelled my XXXXXXXX XXXX XXXX. I received notice on XX/XX/XXXX through XXXX that a collection has been added to my credit report in the amount of {$37.00}. I have never been notified of any amount due. I have the documentation of the cancellation. I have disputed the debt with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account information incorrect

Complaint:
XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.

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 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting  my credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my  credit score to  be impacted.

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 2023-01-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-16
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: Account information incorrect

Complaint:
XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: American Credit Acceptance, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX ,  2017  I received an alert this morning from  XXXX  and  XXXX  that my complaints agains t American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my credit score to be i mpacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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:
No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
Trans union is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.

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 2023-02-10
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 these items were erroneous. The XXXX 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
US BANK CHARGED THEIR MONTHLY MAINTENANCE FEE TO MY ACCOUNT PUTTING IT IN THE NEGATIVE. THEY THEN CHARGED ME XXXX BECAUSE THEIR MONTHLY MAINTENANCE FEE PUT ME IN THE NEGATIVE. I CALLED THEM TO SPEAK TO THEM ABOUT IT. I TOLD THEM THAT IT WAS UNETHICAL IN MY OPINION TO CHARGE A CONSUMER FEES ON FEES THEY CHARGE. THEY REFUSED TO WORK WITH ME OR REFUND ME THE MONEY. I ADVISED THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB.

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