BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: Global Credit & Collection Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Global credit and collection Corp took post dated funds out of my checking a account a week before the agreed date. I had called Global at the end of XXXX  and requested they take three payments out two of them being XXXX and the last payment being XXXX. They were to start the deduction on XX/XX/2019 and it be biweekly so the second payment t was to be on XX/XX/2019 and the last payment onXX/XX/2019. Global took the first payment out has agreed but the second payment was deducted on XX/XX/2019. I did not receive a notice regarding this until XX/XX/2019. This notice came in the mail with my XXXX  XXXX  documents and it does not have a post date on the envelope. The funds were withdrawn from my checking account on XX/XX/2019. Even the manager and representative said it was in their notes to deduct on XXXX and they didn’t know why it deducted on the XXXX the manger I spoke with said it was human error. I also know per the FDCPA they are not to deposit funds from a post dated payment early and have to send the intent to deposit letter 5-9 days before the deposit. Global has violated two regulations of the FDCPA. Since they did this I did request them to return my funds, which they did, and wipe the debt clean and be as paid in full, remove from my credit report, and send me a paid in full letter. Which they refused to do. I would like this company to be held accountable for not following FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to lift my credit freeze mailed all the appropriate documents to remove the freeze, to make a purchase and they will not lift the freeze. There is no live or human phone number to contact only by mail and that is bullshit. I don't know if they care but I lost out on buying my first time home because of this... I want the freeze removed I have tried everything... I sent my Social Security card number, my Drivers licence, my auto insurance info etc... where did it go? who the hell has my personal information? I am pissed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
Firstmark Services is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with Firstmark. I have 2 accounts with Firstmark and on my credit report it is saying I have 4. They originally reported the two accounts under FirstmarkXXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the Firstmark/XXXX  accounts from my report. XXXX and XXXX said that they couldn't delete the accounts until Firstmark told them to, regardless of what documentation I send them. Firstmark didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, FM/XXXX XXXX XXXXXXXX XXXX They did not delete the accounts under the XXXXFirstmark name with XXXX and XXXX prior to reporting the same accounts under the FMXXXX XXXX XXXX name , so now the accounts are listed twice. I have disputed this with XXXX adn XXXX twice, but they keep coming back that Firstmark verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into Firstmark this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. Firstmark has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage servicer assigned to my account refuses to on board me. They claim to not know who I am. They also claim to not be able to take a payment from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Linebarger Goggan Blair & Sampson LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received on XX/XX/XXXX from Linebarger Goggan Blair & Simpson, LLP, a debt collection law firm. 

The notice claims that I owe a debt related to a parking violation that occurred on XX/XX/XXXX in XXXX, TN. I do not own the vehicle in question, and never registered a vehicle with the license plate in question. 

I informed the debt collector that I had co-signed for a similar vehicle nearly a decade prior to the parking ticket, but that I no longer owned or had any interest in the vehicle, and I was unsure if that was even the vehicle in question but that I never owned or operated any other vehicle with that description. 

The collections representative that I spoke with was exceptionally rude and insisted that since I had once co-signed for a vehicle a decade earlier, that was since paid off and no longer in my name, that I was now responsible for the parking ticket debt. I called back the next and was told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
Unfair decision or discrimination based on my personal credit history?. They closed my American express account XXXX for no reason and I reported to them that the last transaction was not my authorized purchase because of my credit card got stolen but they are insisting me to pay them with accumulating interest for months that im trying to disputing the charges. In addition, if my account was XXXX it should be cleared by now because its over 7 years or more they should remove it from my record thats the rules. I suffered enough for those years that i did not authorized the charges. My credit score is weak because of them and it should be cleared by now. I also recently applied for credit card through American express but they denied me twice. On XX/XX/XXXXXX/XX/XXXX AMERICAN EXPRESS CARD Declined. On XX/XX/XXXX DELTA SKYMILES OPTIONS CREDIT CARD FROM AMERICAN EXPRESS Declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Monterey Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just applied for a Mortgage and became aware that a negative credit report with XXXX and XXXX has not been withdrawn by Monterrey Collection Agency despite being contacted several time by myself and my attorney XXXX XXXX XXXX in XXXX. I attended a meeting in XXXX XXXX XXXX in XXXX for promoting a week Timeshare with the XXXX XXXX and signed a commitment to purchase with the understanding that we will try the timeshare for few days before a final commitment. We used the three days offered by the Company XXXX XXXX and found the place NOT satisfactory, the beach was invaded by vendors and the Hotel facilities were far from expected. We let the Company know of our disappointment and advise them that we will not be part of the timeshare program. We the received in XXXX several calls from Monterrey Collection requesting payment of {$15000.00} with interest accrued the total requested was {$24000.00}. My attorney advised that the document was signed in XXXX and could not be enforced in the USA unless ordered by an Arizona Court, that as a case of legal matter this agreement would be controlled by the Arizona Revised Statute 12-544 since it was signed outside USA and outside Arizona and the limitation period is 4 years. See attachment. We never used the facility or the timeshare beyong the three days offered in XXXX and was not aware that a negative report was filed on Credit Bureau until we applied for a Mortgage in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 status incorrect

Complaint:
I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXXand XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX  from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like NMAC chooses to report fraudulent information on people’s credit report. NMAC is nothing but FRAUD FRAUD FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Nicholas Financial Inc.
State: MS
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 I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in JXX/XX/XXXX, the XXXX XXXX obviously provided validation, and XXXX   and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX  that claims that Nicolas Financial is the culprit.Additionally: They say in the prior complaint that they could not locate this paid and closed account, upon calling they were easily able to locate the account and discuss this with the credit reporting department in their organization who still has not corrected this erroneous entry into my XXXX report and does not seem to have a clear understanding/comprehension that marking a paid account 30 days past due as the current status is not just inaccurate but false, the Status of this account is paid/current further this account has not been marked as disputed by me as inaccurate and is directly and negatively affecting me. This is a 3 year old problem!!! Once again this account reporting is in violation of the FCRA section 609. for further reference the account number on the file is reporting as #XXXX, My maiden name if it helps them locate it in their records is XXXX. I ask that this account IS REMOVED in its entirety otherwise I will take all further necessary action due to me by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-04-26
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX claimed I owed money on a shipment from overseas. I asked the shipper to pay this bill. They did not. XXXX XXXX sent me several bills while I was trying to get the shipper to pay. XXXX sent my account to TransWorld Systems , Inc. for debt collection. Meanwhile I paid off XXXX XXXX. Transworld continues to send me collection notices even though this debt is paid. I would like them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: NY
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:
Equifax is showing these two things on my credit report I pulled today. I do not recall any of these items. I did not get any services at that time and if I had it would have been covered by XXXX. 

Also I do not know what it is from, the information is not listed. No one to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
City Bank - Costco Visa card XXXX City Bank - Homedepot {$4900.00} XXXX XXXX XXXX {$8700.00} I registered for Covid assistant to skip a payment. I am one of the employee who got furloughed due to COVID-19 back in XXXX from XXXX XXXX XXXX XXXX. 
I Am taking money out from my XXXX so I can pay off this 3 agencies. I requested a extension because it takes 30 to 45 days to get the founds and it got denied. By my surprise is that they have been charging me late fee and reporting late payment every month to the tree credits bureau on all this months and that have brought my accounts to the limit where they have treated me to close my accounts. 
Bad credit is giving me a super hard time to get a place to live that I can afford my self and my XXXX sons. I am really struggling at the moment trying to get a solution and thats why I am doing this complaint and I beg you to please help 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 2023-06-22
Company: Giggle Finance Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took this loan out in XXXX and they have always given me an issue! I have had a hardship with bills increasing! They make threats and harrass people unprofessionally! I will sue them for illegal practices!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Account is being reported inaccurately. It is current.

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 2020-12-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I contacted Experian via mail to dispute inaccuracies on my credit reports. I have not received a response from the company to date XX/XX/2020.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account number # XXXX, XXXX XXXX XXXX  Account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation