BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Experian Credit Reports : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$3600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$860.00}

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 explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: LA
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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} ; XXXX XXXX* Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Empowerment Ventures, LLC
State: OK
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Money frozen says acct on hold since their site crashed XX/XX/XXXX. talked to dozen of customer reps promise to fix it refund it or send a check. NOTHING ever happens they intend to keep the money of XX/XX/XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$3800.00}

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 2015-07-08
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a XX/XX/XXXX Chev Colorado at XXXX XXXX XXXX XXXX ( aka XXXX ) in XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I have called them, gone to see them and sent them numerous emails regarding the tags for the car, and to date have received nothing. Also, 2 months after I got the truck the engine 's gone bad. I have paid my pymt each month to the lender, but the dealer has given the 'too bad, so sad ' about the truck not working. The repairs of the engine are almost {$2000.00}, so the truck has sat parked in my driveway since late XXXX. They have been very unresponsive about the tags. So now Im supposed to pay for a truck for the next 5 years that only worked for 60 days after I bought it? I find this such an injustice and what burns me is that I 've had to constantly call them about the tags and the dealer 's last response to me was 'well at least you cant get in trouble cuz you cant drive the truck til its repaired anyway ' ... .really?! That just shows their complete lack of empathy for their customer! I 've been dealing with a jerk at their dealership named XXXX XXXX and another guy ( speaks with an XXXX accent -- he wouldnt tell me his name ). Their DMV rep told me back in XXXX that she 'd get the tags and correction of my address on registration taken care of in about 15 days ... .its been over a month without a reply from them. My issue is not with the lender, but with the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
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:
My XXXX score for this my mortgage company was reported to ve XXXX I have never missed a mortgage payment ever in the 11 years I have had it. It could also be that XXXX needs to be corrected as well because I never miss my credit card payments so this is the wrong score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Called to inquire about sending a Western Union money transfer and explained to the agent that I needed to send money to a relative affected by XXXX XXXX in XXXX Tx. Inquiry about fees to send and he did n't mention that a Special code of " Help Texas " could have been applied!! Was told I would find out the fees once I submitted the amount of money to be sent! Very disappointed that I was n't informed since this was my first time sending a money transfer online ... 
Agent replied the only way to get my fees refunded would be to re-do the transaction which I had no more time to complete due to a medical appointment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
LVNV Funding has been harassing me about a debt im not aware of i requested validation Per the fdcpa all they could furnish was a statements of itemizations i asked for a document containing my signature they did not provide me with any signed documents i have been in and out of the hospital sense 2015 i have suffered XXXX XXXX XXXX and XXXX XXXX which has not left me unable to XXXX i am now bed written lvnv funding went ahead and took legal action before  properly validating the debt which puts them in violation of the fdcpa and fcra for reporting this on my credit report.i am XXXX years old and i will not tolerate this please send me a contract or signed document of me opening an account with XXXX XXXX XXXX or lvnv funding i dont have a contract with neither of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX my deceased husband and I opened a joint checking account. That account came with a lock box. In XXXX when my husband XXXX XXXX died I went into the branch and closed that account. I established my own account in XXXX. On XX/XX/XXXX, 7 years later Chase bank took money out of my individual account. 
They stated that it was past due fees for the lock box that was closed in XXXX. There was never one correspondence in the past 7 years that would indicate that lock box was open, and was not closed at the time the account was closed. Chase gave no warning and took money from my individual account at another branch, without following laws regarding debt collection. The bank has the debt listed in my deceased husband 's name. They have been unable to present any documentation that would allow them to debit my account for for this money.. They sent a letter after they debited that completely omitted my deceased husband 's name from the debt when they took the money from my account. 

I have uploaded the only correspondence, that has been sent to me regarding this box, they have omitted my deceased husband 's name from this document. They literally just attached this lockbox to my current account after 7 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : 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 2015-09-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a loan because work was slow and loan was for rent. 
This was over 4 years ago I lost my job and became homeless could not get a job just 8 months ago I got on XXXX living with mom finally get on my feet still no job but getting progressI get a call from some office and it 's for ace cashLady talking to me like I 'm idiot until I got mad she said they taken me to court blah blahOk is this possible if so I want to fight these guys and old tactic they using that is illegal in CaliforniaSaying took the loan with intentios of not paying it backSo I said listen lady are a you mind read or whatHow can you try to tell me you know why I got the moneyThat 's what you said not meShe like I 'm not the bad guyI said yes you are I 'm not the idiotMy loan was for XXXX $ now they want XXXX $ Take me to court I said I do n't have it when I do I 'll pay what I borrowedBut she said I 'll give you 2 days to pay or they will send to courtGo head loan will be 7 years soonThese dept collectors need to be sued along with ace cashThey give money and charge you 3 times amount like a loan shark last I check that 's illegal wait tho if they take me court I 'll need to pay count fees tooGive me jail time I will not be apart of this ACE CASH scramWhat should I do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
I'm quite upset because I believe I'm being disregarded by your company, despite the fact that I've told you many times that the following items on my credit report are false and unverifiable, and I don't validate them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: GA
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/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: NJ
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 been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 2022-07-21
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: Information belongs to someone else

Complaint:
I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 non-monetary relief
Consumer complaint received 2022-07-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.

Company response to consumer: Closed with explanation