BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: PA
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:
called all companies involved. All removed from credit report. But they keep coming even with the credit reporting companies putting a freeze on my info. the keep trying even with the same cards. need my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  {$650.00} Credit collection servic {$370.00} Credit collection servic {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet XXXX, experian and XXXX are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!

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 2023-10-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2022, the XXXX XXXX Virginia tax assessor 's office granted me a 100 % property tax exemption of the base of my status as a VA rated 100 % permanent XXXX veteran. Since XX/XX/2022, I have repeatedly engaged my mortgage company to stop billing me more than {$280.00} per month in property taxes the county is not billing them. As of today, I have engaged both on the phone and in writing, to include sending the tax bills showing XXXX billable no less than six times every couple of months -- to no avail. When I stopped sending the tax portion with my monthly mortgage payment, they sent me a collection notice and a late payment fee each month. I just spent an hour on the phone with multiple representatives, each of whom claim they can not help me because their taxation is handled by a third party. The third party has no public phone contact information and has not returned any of my emails.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975

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 2023-09-25
Company: EQUIFAX, INC.
State: WI
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 XXXXXX/XX/XXXX XXXX XX/XX/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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove all of the unauthorized inquiries attached to my consumer profi le. My consumer rights hasbeen violated and my character is being tournished according to 15 us code 1681b. I am requesting itremove within 15 calendar days.

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 2023-03-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received email communication in XXXX of 2021 that XXXX, the financial rent assistance program through XXXX XXXX would pay my apartment complex XXXX XXXX ( XXXX XXXX XXXX ) {$5300.00} in rent assistance. XXXX XXXX still maintains that the funds were never issued to them, and its almost two years since this incident occurred. I was issued an eviction notice at the time and this debt has since been put my on my credit and has adversely affected by this.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-05-04
Company: Marlette Funding, LLC
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 filed a complaint regarding an other account I had with the same lender report in accurat late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added 3 late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due 2 payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
It's practically impossible for even a well-informed individual to calculate and figure out if the rewards calculated or earned on the card are accurate. I'll appreciate if Citi could please make it simple and just explain how many rewards points did I earn for which transactions in my latest cycle. Please don't regurgitate what is on the statement as I am indicating here that I don't understand what is on the statement, to begin with. As a Bank I would like to trust, this stuff doesn't give me the warm and fuzzy. Thank you

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 2023-05-04
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
Delete my alls hard inquiries in XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Yamaha Motor Finance Corporation USA
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:
In XXXX, I made a purchase of a XXXX  with the financing provider of Yamaha XXXX XXXX, in which due to the XXXX pandemic, I was affected by not being able to pay the fees of that XXXX. 

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it. 

I understand that the accounts can take several years to reflect but the information they provide to the XXXX  XXXX  is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Shellpoint Partners, LLC
State: CA
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:
My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database . Please delete this collection from my credit 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: Bridgecrest Acceptance Corporation
State: AL
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 bought a new car, so I called bridgecrest to get final payoff. I was told final payoff would be {$16000.00} if paid by XXXX XX/XX/XXXX or incurred a fee of {$2.00} a day. My regular monthly payment was made on XXXX XX/XX/XXXX & final payment of {$16000.00} was made on XXXX XX/XX/XXXX, so, I should have received a refund ( roughly {$320.00} ) due to an overpayment. I waited to receive a confirmation from them, but did not. I called to inquire & was told that there are no notes in my account indicating an overpayment or a refund due. They advised me that would have to research. I don't understand why the refund was not immediately processed when they received the payoff. I escalated my complaint to consumer service to inquire about Bridgecrest procedures for processing refunds, but was not given any process. I believe if I hadn't called, I would not receive a refund & my concern is how many other consumers are not receiving money owed if they don't call. Is this a common practice or an oversight? My case should be investigated to determine if this is a trend with Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
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:
Unauthorized hard inquired and unverified reached out to every creditor from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only XXXX XXXX  they pulled my credit multiple times and I need this removed they told me it was only going to get pulled once this is an unconfirmed inquiry lacking evidence unless physically certified verified its demonstrated per 15 USC 1681 B section 604 of FCRA

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 2023-05-04
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 foreclosure proceedings was placed on my property. This a false claim, result of idenity theft and security fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX needs to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over XXXX XXXX inquires on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all inquries are double

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 2023-10-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I fell behind on payments in XXXX of XXXXMy payments were XXXX a month. The car was repossessed in XXXX of XXXX. I had to pay around XXXX dollars ( but was past due XXXX  months including XXXX to be around {$2500.00} and XXXX a month late fees to be a total of {$2500.00}, They have around XXXX past due ). I asked about a payment arrangement to get caught up but they never really gave me one. They stated that I needed to pay XXXX at the end of XXXX. I missed that payment date but paid XXXX the XXXX week of XX/XX/XXXX and another XXXX at the end of XXXX. I continued to pay as I could and ended up calling them in XXXX of XXXX to set up a payment arrangement as by that time they had me past due {$4300.00}. The advised me to start paying XXXX every XXXX weeks. I continued to pay and as of XXXX I am still past due {$3700.00}. The offers they are giving me dont seem to be paying off the past due balance at all. Even with a few payment not being the total amount it never seems to pay off the past due amount. They can never give me an explanation or what they do give doesnt even make any sense. The balance started out at XXXX balance now is XXXX. Thank you in advance

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 2023-10-14
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX XXXX I signed a contract agreement with Carmax, which they advertise to me that I need a downpayment in order to purchase the vehicle, 15 USC-1605 States, no cash should be used in a consumer credit contract or a retail installment contract, which is a violationt, 12 CFR 1026.18 rules are that all charges are in the finance charge, and other fees that was charge, which Carmax did not disclose to me, also Carmax Auto is the seller and holder of the contract, so is subjected to civill under 15 USC 1640, or criminally liable, they have violated TILA by not adhering to the laws, Carmax reported to my credit profile that the contract is a loan but yet they have on the contract that it is a retail installment contract, and in contrary to that the CFPB states that a retail installment contract is different from a loan, so once again Carmax is deceptive in reporting on my credit report profile, 15 USC 1681.2 ( a ) ( 1 ) ( bII ) states persons shall not report false an inaccurate information relating to consumer or consumer reporting agency. 

On XXXX I sent a letter of XXXX with an affidavit to Carmax and got no response, I gave them a chance to rebut, which they did not. they have dishonored the contract and will be held liable. the contract is deemed null and void. and I will be including the right to sue for double the finance charge pursuant to 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
- My mortgage was sold from XXXX to Roundpoint Mortgage XX/XX/XXXX - {$2300.00} was sent electronically each month from XXXX XXXX XXXX XXXX XXXX XXXX - Roundpoint returned the payments XX/XX/XXXX, XX/XX/XXXX but did say there was a problem- I called 4 times after my bank sent me notifications Roundpoint failed to accept payment - 4th time " XXXX '' explained there was a glitch, they needed the Consolidated Bill Pay Provider my bank used. ( XXXX XXXX i pay solutions )- I emailed it immediately XX/XX/XXXX - I paid by router number the mortgage amounts sent XX/XX/XXXX and XX/XX/XXXX but returned by Roundpoint - Called XXXX to confirm Roundpoint had XXXX XXXX XXXX XXXX XXXX XXXX Bill Payer Provider, no one could confirm - Emailed XX/XX/XXXX to confirm Roundpoint had info needed and that payment would not be returned - Called XX/XX/XXXX and emailedXXXX " XXXX '' at Roundpoint could not say if it was corrected and asked for my routing number for payment - Credit score dropped significantly, Roundpoint submitted no payments when payments were made to them but not accepted for 4 months total ( notified this month was rejected again )

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