BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: Army and Air Force Exchange Service
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Late Payments Being Reported : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The above mentioned account is being reported as severely derogatory on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed a dispute with XXXX and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of 30 years and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and XXXX closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through Credit Acceptance needs to be removed off of my credit

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 2021-11-24
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: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2020-04-19
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this charge in XXXX due to fraudulent credit card use/not authorized. I thought this was removed from my credit years ago when I made the initial dispute. i paid what I owed, the remaining balance is not mine, like I have stressed NUMEROUS times. I was buying a house in XX/XX/XXXX and I was told this was taken care of. When I call SEARS, ( meaning within the last couple of years ) they have no record of this account. I receive no correspondence whatsoever from this company about said 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 explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.

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 2020-04-10
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:
I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Today XXXX XXXX I received my updated credit report from TransUnion stating that new information was updated on my credit report with XXXX XXXX XXXX acct # XXXX. I see no changes to this account nor my report. I disputed this account over and over again TransUnion seems to be the only XXXX reporting this account XXXX has removed this account due to the inaccuratcy that this company has displayed over the 5 years and XXXX investigation is due to be concluded by Satuurday XXXX XXXX company has n't responded to their dispute as of yet. Please help me to get this issue resolved. Please find that I have included my TransUnion Report, XXXX removal of this account.

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 2021-11-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
False and defamatory information continues to be included on my credit report by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.

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 2015-10-08
Company: Financial Credit Service, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from Asset Recovery Associatesfrom ( XXXX ) XXXX. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was XXXX XXXX I was being called to settle an account with XXXX Bank opened XX/XX/XXXX and Defaulted XX/XX/XXXX. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of {$2400.00} and I could stop this action from their lawyers if I settle as they would remove {$800.00} in interest. 
I asked for something in writing from Original Creditor as the female representative advised that this account had gone through XXXX creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of XXXX, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from the original creditor stating this was a valid debt. I explained that I appreciated that they had that information, but I was concerned this could be a scam due to the fact that I had never opened an account XX/XX/XXXX ( i was XXXX years old at the time ) and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my XXXX address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. 
I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for XXXX or XXXX? She became irritated with my inquiry and stated that the account was defaulted inXX/XX/XXXX. 
She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is a follow up on complaint # XXXX since I have received a reply from the XXXX Dept. at the XXXX that I am attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Gatestone & Co. International Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from a company called Gatestone. I initially ignored the call because I had no debt but decided to call them back the second time. They asked for my current address and prior address ( since I just moved ) which did not match their records and last XXXX digit of my SSN ( which they asked for and which I should not have given ). They then said it was for an XXXX CC I was a secondary for but I told them that I am not a secondary for any credit card or loan. They gave me the last XXXX digits of the supposed card and I confirmed with them I had no such account. They said they will then delete the my contact details ( work and cell numbers - which they used to call me ) from the account. I called them back because I decided to call XXXX and I did not recall the last XXXX digits of the account they said I had. I was able to talk to the agent assigned to my case and he provided the last XXXX digits. Note, that I had no issues calling this company and getting someone on the phone in the two instances I called them. 

I called XXXX and they confirmed that I have no account ending with the XXXX digits in all my current and prior accounts with them and that they do not work with such debt collection company. They also said that they call their customers directly about unpaid balances and do not go straight to a collection agency. 

I tried to call the company back and let them know about my conversation with XXXX and suddenly unlike prior instances, my call went into voicemail for the " XXXX XXXX Department ''. This never happened in the two other times I called them and I called during office hours. I left a voicemail anyway indicating that I have talked to XXXX. Now, I am worried because they have my cell, work numbers, my current address and last XXXX digits of my SSN and I am now wondering if they created this phantom debt or bogus account digits for a debt supposedly I have to get personal 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The accounts listed below are still reporting on myCredit Reports and need to be DELETED immediately : 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 2018-03-14
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX, my credit report is showing inquiries from XXXX. I did not authorize these inquiries and would like them removed immediately from my credit report. 
Name of Company XXXX Date of Inquiry - 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 non-monetary relief
Consumer complaint received 2018-03-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I sent a previous complaint XXXX ; this is in follow up. 
In summary Carrington Mortagage took over my loan from XXXX XXXX   in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00}. XXXX at 11.2 % interest rate. I was in touch with them and completed loan modification papers. My payments are automatically sent from my account. The XXXX payment was sent on XX/XX/XXXX and it was returned to the account on XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XXXX. 
The letter also said my current loan and agreement was still in place. If that this is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It does not make sense to me. And why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt like they were deliberately trying to take my home ; this behavior from them seems to be confirming that. I donot know what else to do. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
American Express XXXX XXXX has written me regarding charges made on a American Express card ending in XXXX that I did not make. The American Express Credit Card was not in my possession. This information was given to them several times but they continue to call and do not identify themselves, Recently calls received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at which time I blocked their call but I have received a call today XX/XX/XXXX even after their number was blocked. These charges were made in XXXX I explained they were not made by me, this information they continue to ignore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Texas Guaranteed
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:
MY NAME IS XXXX XXXX XXXX AND I BEEN TRYING TO CONTACTA STUDENT LOAN COMPANY THAT HAS BEEN REPORTING ACOOUNT WITH A STATUS OF COLLECTION, OR PASS DUE OR WITH SOME TYPE OF PAYMENT ISSUE, ALL OF MY STUDENT LOANS ARE ALL PAYED SO THE BALANCE IS 0 AND AS AGREED. 
THE ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My TransUnion credit report dated XXXX/XXXX/2016 reflects XXXX hard inquiries for credit facilities for which I DID NOT apply : XXXX XXXX on XXXX/XXXX/16 and XXXX XXXX on XXXX/XXXX/16. I suspect identiy theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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