BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Went into Infiniti of XXXX XXXX on last week to purchase a vehicle from an individual returning the vehicle from being leased. The individual and I agreed on an amount and I had my own financing through my bank for the vehicle however was told by finance manager at the dealership that I must use infiniti in order for them to carry out the transaction because the dealership would not make any money off of us otherwise. However he stated infiniti would not approve me for a loan and so he ran it with other banks which he did not discuss this with me prior to doing because I would have never agreed. However there was a bank approval of a 12 % interest rate which was unacceptable for me being that my bank offered me a 4.3 %. During the appraisal of my current vehicle for trade in purposes the finance manager stated that he noticed there was a card in my car of XXXX offered by another dealership which I stated to him the dealership offered me XXXX so he basically tried to prove that I was lying. However the XXXX was from XXXX in the XXXX was from Nissan. He Basically admits to seeing this car but that is going through my personal belongings because those cards were not out and visible. I sold my vehicle on Friday to XXXX and closed out the loan with my bank so that I could continue with the infiniti transaction which the dealership stated to be there on Saturday at XXXX XXXX to sign for the car and close the deal-Infiniti. They canceled two hours prior and told me we have to wait till Monday after I had sold my vehicle and had no transportation for the weekend. He also stated we would need a letter from my bank because theres been so many fraud cases with out-of-state banks and were not really making any money off this deal so we have to be cautious. That wasnt an issue, yes there probably is lots of fraud going on in regards to that but it was the fact that if he needed a letter from an out of state bank he shouldve just said that and left the part out about the Fraud because then it felt personal. Several things went wrong with this particular dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Ability Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never attended an XXXX XXXX. I have disputed this debt with XXXX XXXX as well as Ability Recovery Services for the last 2 years. If you check my federal student database you will see I graduated college in XXXX from XXXX University. After that I went to XXXX XXXX, XXXX XXXX XXXX, and now XXXX XXXX. I have never enrolled in XXXX XXXX and yet I have 3 reports of debt owed in the amount of {$930.00}, {$920.00}, and {$820.00} supposedly having taken place all in XXXX of XXXX. This is incorrect and damaging information and is prohibiting me from being able to purchase a home.

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 2022-06-24
Company: Mr. Cooper Group 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:
I had a home loan thru Mr. Cooper. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company IC system brought my debt from XXXX telling me that I have to pay them that I owe them money And they have put it on my credit report which is causing me and my family not to get a loan for a vehicle or Any personal loans I do not owe these people I've never seen any agreement with these people And it's against the law for someone to sell anybody my debt yet I want to put me in debt to cause my credit score to go down

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 2022-06-24
Company: Experian Information Solutions Inc.
State: PR
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:
The company is reporting late paiments and i never paid late. The account they reportin late paiments is XXXX XXXX XXXX XXXX of the account 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 2022-09-19
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Fair Credit Reporting Act XXXX  Account # 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 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft. Please see attached.

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 2022-08-19
Company: ALLY FINANCIAL INC.
State: VA
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:
Account was charged {$97.00} late on XX/XX/XXXX, this put my account into the red. 

I called on the XXXX, customer service was unable to dispute the charge at the time and was unable to set up fraud alerts on my account ( which I had never turned off ). 

On the XXXX I was able to lock my card & file a dispute on the card through Allys website. 

In this time I never once lost my card or disclosed my PIN.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- TransUnion -- XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX I got a Credit card with a {$500.00} limit from XXXX XXXXXXXX XXXX when I came home from XXXX in XXXX XXXX XXXX XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous APR 19 % interest on their janky credit card. I never paid them again and told them XXXX XXXX XXXX close this account with that XXXX! 
It's XXXX and XXXX XXXX Bank now has a third party company, Credit Control LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my XXXX  was born. My child is now XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXXXXXX has sold my petty debt XXXX times since I told them to XXXXXXXX XXXX  with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : 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  The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy XXXX years ago and this debt is over 12 years old. Moreover, I did not enter into any written agreement with any of the XXXX private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. XXXX XXXX XXXX  Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! XXXX Truly, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: PR
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:
The company is reporting late paiments and i never paid late. The account they reportin late paiments is XXXX XXXX XXXX XXXX of the account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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 status incorrect

Complaint:
According to Medical Debt Relief Act of 2021, I have a XXXX-year waiting period before medical debt will be reported on a consumer 's credit report. The date of delinquency for this bill is ( XX/XX/XXXX ), which means I have until XX/XX/XXXX to resolve this debt. Im in the process of resolving this bill with my medical insurer. The Debt is being reported by : The Department of the Treasury

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 2022-06-24
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: Account status incorrect

Complaint:
I have reached out to transunion by online and mail. They have an account from XXXX XXXX XXXX  that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to 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 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: Velocity Portfolio Group
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:
On XX/XX/2022, CKS Prime Investments, L added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EdFinancial Services
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I never went to XXXX and I am receiving letters and phone calls from the department of education for loan payments. I would like this account removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These hard inquiries is invalid and preventing me to make a home purchase I tried to have it removed but the creditors and the bureaus are refusing to do so.

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 2022-08-22
Company: EQUIFAX, INC.
State: OH
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 Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Avid Acceptance, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX Account Number : 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 2022-06-06
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was a transaction on my Chime checking account for the amount of XXXX at XXXX that I did not authorized or approved on XX/XX/22 at XXXX am EST. I noticed the alert of this on my notifications and I immediately called Chime Bank and I informed the company of the fraud that was committed on my account. They informed me that there was nothing they can do about it until the transaction was no longer pending. Today, XX/XX/22 at XXXX am, once the transaction cleared, I filed the dispute. Not even an hour later. I received an email back from the dispute team stating that it wasnt any error made. I called the company back and asked to speak with a supervisor who verified the fraud who told me he escalated the dispute and asked for my account to be credited. After speaking with the supervisor. I grew weary of not seeing an update on the dispute and I called the company back in a few hours and spoke with another supervisor who stated that they were the only person to speak with and that the fraud was a correct charge. I have noticed that this has been happening for years with other former Chime Bank members and decided to remove the remaining amount of funds from both my Chime checking and saving accounts. They prevented from transferring the funds to my new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I HAVE SENT OVER SEVERAL DOCUMENTS OF REMOVING ACCOUNTS THAT HAVE BEEN NO LONGER TO REPORT ON MY CREDIT REPORT, NO ACCOUNTS SHOULD BE REPORTING ALSO I HAVE TRIED TO REACH OUT TO REMOVE UN AUTHORIZE INQUIRES.

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 2022-06-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The Old Navy store located at XXXX XXXX XXXX, XXXX, OH XXXX signed me up for a credit card without my permission. I returned to the store upon discovering this to have it canceled. The store manager said it was cancelled. Today I just got an email about a missed payment. Clearly it wasn't cancelled. I suspect if this store is using this underhanded tactic to inflate their sales numbers then they are not alone. Perhaps an investigation is in order.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 explanation