BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS 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
Consumer complaint received 2015-10-30
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
I have had an automatic payment set up for the XXXX of every month since 2010. I have paid over the required payment every month. On the XXXX payment I changed the amount to the minimum payment due for financial reasons. Discover is telling me because I changed the amount of the payment it changed my due date the XXXX of the month. I was never notified of this change. I have always known that after the XXXX of the month all my bills are paid and what is left is mine to survive on for the month. Discover did not try to take the payment until the XXXX of the month. They continued to try on the XXXX and the XXXX. Since I get paid on the XXXX of the month there were no funds in the account. They caused XXXX overdraft charges plus a {$.00} foreign transaction fee costing me {$75.00}. They refuse to refund this amount to me due to their uncharacteristic change of due dates on my bill. I could not access my account due to my computer being down so did not realize this had happened until today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # 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 explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: OH
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:
The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My home insurance by agreement in my filed mortgage is to be held in escrow. Prior to leaving in XX/XX/XXXX for vacation, I sent my invoice from my insurance company to Chase. This clearly stated the payee as being XXXX XXXX XXXX XXXX XXXX. When I returned, I followed up and after being on the phone for about 20+/- minutes, I was asked to stay on the phone to help solve the problem with the insurance company and I told them that they could call me back when they had them on the phone. I had an appointment. No call back. After my appointment started the process over. The representative was rude and just wanted to not say they were wrong. 30 + minutes on the phone they sent the check to the wrong company.. my fault was the implication. They could n't find time to put a next day mailing to solve the problem. I drove to the insurance company and made the payment. Long story short, they had no compassion with a customer and this representative actually started speaking loudly over my questions keeping me from getting answers that I needed. They had the wrong company and paid to the wrong company and as much as said I was the one who made the mistake. The only insurance company I have had in the 13 month ownership of this property.. so upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Miller, Stark, Klein and Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone from Miller Stark Klein calls me several times a day, every day, at my place of employment in XXXX. 

The callers refuse to tell me why they are calling, saying only that it 's regarding " a complaint '' and that they are going to " file charges. '' The caller then insists that I confirm personal details like my birth date, address, and Social Security Number, which I refuse to do. They wo n't tell me what the " complaint '' is about or anything else about the issue. I was told that the call was being recorded and " would be used in court. '' They called back immediately ( within a few seconds ) after I hung up. The last person I spoke to gave her name as XXXX XXXX. The number on my caller ID displayed as ( XXXX ) XXXX, which is an Illinois number, but she claimed to be calling from North Carolina. When I hung up, she called back immediately ( not XXXX seconds later ) and continued to harass me ; the caller ID then displayed XXXX XXXX XXXX XXXX. 

I have told them more than once that they are calling my place of business and to stop calling me there, but they continue. I also told XXXX XXXX that if the debt is legitimate, she needs to send a letter to my address on file detailing the situation. She refused. 

These calls are being made to my place of business and need to cease. If this is indeed a legitimate debt ( and I 'm assuming it 's a debt, not some other type of " complaint '' ), this company needs to send written details to my address on file.

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 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, cardmember initiated contact with Capital One and went through a very lengthy process to get the account un-restricted. I was advised there was a lift on the account after the representative contacted my bank and had them on the phone with me to verify information on the account. I called back 30 minutes later and was told that the account was restricted and that they would need to send me a text message and contact my bank. Prior to this, I had a " Supervisor '' on the phone who was unwilling to assist or cooperate with any of my requests. Needless to say, I believe she was very unprofessional over the phone and my thinking is she needs to be terminated. Each representative gave different accounts of the processes that occur for Available Credit at Capital One. This is a reminder that being rude to customers over the phone will not help any company long term. Either I get representatives who can not articulate sentences in English well enough, or I get people who have a clear neglect for building on customer relations and just ignore requests over the phone while being rude in the process. Complaint is also being addressed with the FTC, the XXXX, and to investigate what Capital One employees are doing with my information. I also feel that every representative including supervisors need to be drug tested, as their inability to handle situations professionally leads me to believe that they may be under the influence of some type of abusive substance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 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 2015-10-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I noticed that I had a split file with Equifax. I contacted them and had the files merged together, but there were XXXX accounts reporting that had previously been deleted. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I called and requested to have the accounts deleted and was told no! I notified Equifax in XX/XX/XXXX that I had been a victim of identity theft and provided them with the police report and all requested information. They were prompt in correcting my reports then. Later, in XX/XX/XXXX I suffered a split file on two ( 2 ) separate occasions. Both times Equifax stepped up and fixed it quickly removing all previously deleted items and restoring my good name. However, there seems to have been a lapse in handling. It is n't my fault that I have a split file and it never happens with any other credit reporting agency. I 'm simply requesting that Equifax delete the previously deleted files from my credit report immediately. The accounts are : XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$6300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREEDXXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$830.00} n/a $ XXXX XXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2020, I SENT THE CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW

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 2015-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015. I opened a dispute with Equifax due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Equifax is legally required to conduct a " reasonable investigation '' of this matter. 5 days later on XXXX/XXXX/2015 Equifax " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Equifax did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Equifax to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a short sale offer for what my property appraises for and on XXXX XXXX, 2015 I was informed by my mortgage lender that instead of taking the offer and/or countering the offer at a reasonable amount they are going to proceed with the foreclosure sale. This will push me into a foreclosure situation. I have done everything that I can and I am desperate for some type of assistance. I feel as if the lender is n't doing what the government says that they should do, which is provide foreclosure alternatives to homeowners like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: First National Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debit was paid to XXXX on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by XXXX to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something XXXX failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since XXXX never sent me a letter showing that the debt was settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have been a toyaota customer since XXXX, recently I renewed my lease for a newer model as is my option. I recently discovered, that my credit report has XXXX hard inquiries on the same vehicle. Why would Toyota need to have XXXX inquiries that appear on all bureaus, I was approved and signed the papers on XXXX the date of the initial inquiry? I was not advised that an additional credit inquiry was being made. I authorized XXXX. TOYOTA MOTOR Inquiry XXXX XXXX, XXXX TOYOTA OF XXXX Inquiry XXXX XXXX, XXXX I have requested a correction and have not received a reply or response. In addtion I am the Co-Signer on a vehicle and I am not botified of any issue with the payment but my credit was noted 30 days late. I am of the impression that due diligence requires that I am to be notified so I can resolve prior to affecting my credit. This vehicle was a issue and a complaint was never responded to, the initial payment was said to be XXXX, after a reveiw additional service was added when this was discovered before the first payment they revised the contract and the new payment was XXXX. I have reuested a copy of the initial contract since this chanrge was not disclosed. Causing a lower model to be purchased to fit budget, when it was not a valid accurate amount. These XXXX transactions lowered my credit score XXXX points..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2015-08-18
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland Funding said they sent me proper notice, which they did not, I also sent a letter to them to see if we can work out some type of arrangements on this debt and no response. Each time I reach out to them it is no response. This alleged debt is damaging to my credit and I need it removed. They failed to validate the debt and they fail to respond to work out some type of payment arrangements so this can be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am a recent victim of identify theft. I have reported it to FTC. In my recovery efforts, I requested for credit alert. I also discovered that American Express has erroneously reported to the the XXXX major credit bureaus, XXXX, XXXX and XXXX that I have had an open resolving credit line with them. I have no knowledge or record where that account came from. I have called American multiple times that the agent stated there was no such account, and therefore they would not do anything for me. 
I request that American Express investigate why that Unwanted credit card account has been opened and placed in my credit reports. Is it a situation similar to the many unauthorized accounts in the recent case of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I was in a wreck in my Nissan truck. It was a total loss, XXXX and XXXX paid Nissan Motor Acceptance Corporation in full. XX/XX/XXXX I received a certified PIF. Email, letter and verbal confirmation from XXXX with Nissan stating that, " Thank you for financing your vehicle through Nissan Motor Acceptance Corporation and our participating dealer. This letter certifies that your vehicle is paid-in-full and the lien has been satisfied as of XX/XX/XXXX. 
Thank you for your past patronage and we look forward to assisting you with your financing needs in the future. if you have any questions, or if we can be of further assistance, please feel free to contact our office at XXXX. We are available to assist you from XXXX central time, XXXX through XXXX. 
Sincerely, Consumer Communications Nissan Motor Acceptance Corporation Customer Center XXXX '' I am now in the end stages of closing on a home and Nissan is reporting to the credit bureau that there is a balance owed on the account. After months of trying to get it resolved they will only keep me on hold indefinitely or hang up on me. I have sent them copy 's of the email and letters they sent me with the issue still not being resolved. 
I am XXXX from being wounded in XXXX while in the XXXX, this delay on my home is literally killing me because I have XXXX that are worsening due to my living conditions. I need help resolving this and am not getting a solution from Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2020, I SENT THE CRA 'S ( XXXX, XXXX, AND EXPERIAN ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW

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