BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: Diversified Consultants, Inc.
State: NV
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 was contacted by DCI about a XXXX XXXX  bill. I explained that I filed bk on XX/XX/XXXX and they were automatically included since it was under 500.00. The representative told me that since the account did not go delinquent until XX/XX/XXXX that it was not included. I explained that I was disputing the account because the account has been past due since XX/XX/XXXX and that it was included and that the amount was incorrect. I notified the company that I was disputing this account and they have made no attempt to validate. This is not a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: Solar Mosaic LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2021 i Tried to get solar on my house I went through XXXX XXXX XXXX they had me do a loan with Mosaic I canceled XXXX with XXXX XXXX  after mosaic put a lien on my house Which I was told that they would only put a lien on the solar panels so they messed up my refinance of my house and to get the lien removed I had to pay {$250.00} I canceled with XXXX XXXX and do the paperwork I also told Mosaic I have canceled and I had told XXXX XXXX  as well it took them till XXXX And constant fighting to have them submit the paperwork to each other that I had closed the solar and wasnt continuing and the loan was not mine finally XX/XX/XXXX I got a letter from Mosaic saying my account was closed and that any money I had given was going to be paid back and since then I have gotten a letter from debt collector Emails saying that I owe money as well as a {$13000.00} loan being displayed on my credit report I tried to dispute it however Mosaic said that is up to date that I still owe I have called them multiple times and nothing changed however in their system and I quote the loan is closed. They are harassing me with a debt i do not owe.

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 2018-05-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I will address this in a simplified format since I've complained about this same issue with the CFPB already. Chase Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt with their branches, Executive Department, Consumer Relations Department, and their collections department with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: SYNCHRONY FINANCIAL
State: UT
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:
XXXX continually calls me about a PayPal debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.

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 2019-11-03
Company: Nelnet, Inc.
State: PA
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:
Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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 have obtained a copy of my credit report from Transunion and i have found several inquires on my consumer report that i did not authorize nor did i give permissible purpose or written instruction for this information to be furnished on my consumer report. Transunion is in violation of the FCRA 15 usc 1681b.

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 2021-06-05
Company: Bread Financial 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 these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/EXPRESS Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Their investigation did not fix an error on your report

Complaint:
On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can't get Transunion Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of Transunion is N/A.

XXXX  is XXXX and just fine.

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 2017-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, 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 do not recognize nor did I authorize the following inquiries to be made : Wells Fargo Dealer S XXXX XXXX, 2016

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 2022-07-19
Company: SLM CORPORATION
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter. 
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Former Complaint XXXX - DITECH FINANCIAL LLC After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XXXX XXXX, XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. 

Notwithstanding for my surprise, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XXXX XXXX, XXXX to {$110000.00} on XXXX XXXX, XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. 

These are their last sentences from their letter on XXXX XXXX, XXXX, which I uploaded : Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Not sure this action was fulfilled??? 

Please allow additional time for corrections to reflect on the loan account. 
I did and I found the above surprise!!! 

Ditech sincerely apologizes for any inconvenience this has caused. 
Is not an inconvenienced because they passed the fees and escrow issues to my principal account. Apologies based on my expense???????? Seriously?????? 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX B IRCH XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items of information, other than records of 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 knows 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 non-monetary relief
Consumer complaint received 2020-06-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife received a phone call from a restricted number at XXXX XXXX then another at XXXX XXXX so she answered. She advised the gentleman that she was my wife, and we had called Friday to get assistance with payment as she lost her job due to covid 19. No empathy he kept asking if she could make payment after she advised him numerous times why she couldnt and what had happened again no empathy she had to tell him she used to be a collector and that it wasnt okay how he was treating her. She said 2 times shed have me call after I got off work at XXXX for a deferment. He then again asked if Id be paying the balance due, she again had to tell him the situation. As a collector they have to call from a number you can call them back on thats also a law and theyre calling from resticted numbers. This is the 2nd time we had this issue with the company. We tried getting it defered on time and on friday they told me they couldnt help me or collect payment on my account. I sent them a message and they stated they had a cease and desist on the account I asked to remove it and someone call me to help with deferment. Never received a call. Until collections calls today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: DE
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:
Mercantale continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 explanation
Consumer complaint received 2022-07-19
Company: Commonwealth Financial Systems, 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:
So I have an open XXXX XXXX  account XXXX  on my XXXX XXXX XXXXXXXX I don't know why! I have not had services with them! my credit went down a lot! I already tried to talk to this company but they do not answer me! 
I have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened an account with Ctizens Bank in XX/XX/XXXX. In XX/XX/XXXX, without my knowledge 4 more accounts were opened online and overdrafted. I did not find out about these accounts until i tried to open another bank account in XX/XX/XXXX and could not due to a low XXXX score. I then ordered a XXXX report that were all close due to account abuse. On one account the date reported was XX/XX/XXXX, and the charged off amount was {$320.00}. On aother account the date reported was XX/XX/XXXX, and the charged off amount was {$790.00}. The third account was reported on XX/XX/XXXX and charged off for {$1000.00} and the fourth charged off account was reported on XX/XX/XXXX and charged off for {$390.00} I did file a police report and I have sent numerous letters to Citizens Bank asking for signature cards to be sent to verify that indeed I did open these accounts ( because I did not sign any ) or if they can not provide such evidence to remove the negative marks off of my XXXX account and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Obtained free annual credit report from Transunion on XX/XX/XXXX. The high balance in the report for a credit card was {$13000.00} from XX/XX/XXXX to XX/XX/XXXX with a credit limit of {$24000.00}. That is a utilization ratio of 56 % which is WAY more than the 30 % utilization ratio recommended for good credit score! That number is nearly double the correct value of {$6000.00} for month XX/XX/XXXX which is a utilization ratio of 25 % ... under the good credit criterion of 30 %. The report itself shows the account balance for every month between XX/XX/XXXX and XX/XX/XXXX ( see attachment 1 ) with the value of {$6000.00} for XX/XX/XXXX. I filed a dispute with XXXX bank about the high balance being wrong. Their reply was that they had provided accurate monthly data to Transunion and had no control over how Transunion stored and used the data. I then filed a dispute with Transunion about the high balance being wrong. Their revised report still had the value of {$13000.00} BUT also removed all the monthly balances which demonstrated that the {$13000.00} was wrong. I then refiled the dispute. The reply to the refiling was " VERIFIED AS ACCURATE ''. Attachment 2 shows the report dated XX/XX/XXXX shows the incorrect {$13000.00} with NO monthly balances to show the value is wrong ( see attachment 2 )

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 2017-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I mailed a  Multiply Inquiry  Removal Letter  On   XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquires, that were being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request submitted included  XXXX  hard inquires that were not factual and I received the same response for all inquiries, which was " Inquires are a factual record of file of access. If you believe this was unauthorized, please contact creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response  XXXX  days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation