BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CHASE BANK USA, N. A XXXX, 2017 XXXX 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: AZ
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 XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Within a few dates of having the car it was brought in for service related issues on multiple occasions. On XX/XX/XXXX I canceled my gap insurance and extended warranty and returned the car back to XXXX XXXX. I contacted the lender T.D. Auto Finance to inform them that I was no longer in possession of the car and this account needs to be closed. T.D. Auto Finance is continuing to report this on my credit report, when I am know longer in possession of this car. I have filed a dispute with all three credit reporting agencies, indicating the inaccuracy of this open account. 
T.D. Auto Finance has refused to contact XXXX XXXX as to where the car is located and the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom it May Concern : I would like to file a complaint against Specialized Loan Servicing , Inc. ( SLS ). Upon transferring my loan to SLS there have been numerous billing errors, incorrect information reported to the credit reporting agencies, and an unwillingness to correct any errors. Here are some of the numerous errors that effected my account:1 ) Balance Due : My initial statements listed my balance due at {$150000.00}. This was over twice the amount I owed ( $ XXXX ). 

2 ) Billing Statement Errors : APR/Per Diem Interest Rate : They incorrectly billed me at over 8 % interest. My rate should have been 4.75 %. I was over charged {$320.00}. They later corrected the interest charges but never removed the overcharges. 

3 ) HELOC Billing Rights : Under the terms of my loan, all disputed discepencies must be corrected within 90 days and will not be reported to the credit agencies. 
My attorney contacted SLS in writing on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. We also called numerous times to no-avail. 

4 ) Harassment/Over Charges : The entire balance was paid in full on XXXX XXXX, 2015. They continue to send me bills and continue to charge me fees. They have already charged me recording and processing fees XXXX ( which I have paid ). They continue to send me bills stating I owe them an additional {$1700.00}. 

5 ) Inaccurate information Reported to Credit Agencies : Despite the many errors they reported faulty information to the credit reporting agencies. They never corrected the overcharges. Despite my disputes they reported my account as over 90 days late to the credit agencies ( which was not allowed according to my HELOC agreement ). The account was paid in full in XXXX, yet they refuse to remove it from my credit report. When I call, they have told me that because I have disputed the information, they can not remove the late pay or adjust the inaccurate information. 

I can send copies of all of my statements and bills, the letters from my attorney and an XLS spreadsheet of all the errors that I have experienced for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CO
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/22, I spoke with personnel from Experian, XXXX, and XXXX about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.

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 2022-11-09
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Since XX/XX/2022 Ive been disputing this account that is not mine with no resolution. I was a victim of identity theft, my wallet was stolen, I've provided a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. 

Truaccord wrote that I owe XXXX to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.

Company response to consumer: Closed
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: CA
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 NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( XXXX ), I HAVE ATTACHED THE LETTER PROVIDED BY XXXX TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has a collection account in my name for wish dont owe. The collection company is XXXX  XXXX .I called and disputed it along with the property XXXX I have a ledge with a set balance and they didnt care XXXX. Has a collection account on my credit report that is not in my name and the creditor is XXXX XXXX XXXX XXXX I disputed it and it has not changed

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 2022-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The car was paid off back in XXXX and I ask them can they remove it off my credit profile

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 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-06-17
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In XXXX, I obtained a loan from Mariner Finance. As collateral for the loan, Mariner Finance used my then brand new vehicle and items of value in my home. Due to overwhelming obligations, in XXXX I filed bankruptcy ch. XXXX, which included the loan with Mariner Finance. The bankruptcy was discharged in XX/XX/XXXX. After 8 long years of making monthly payments to the auto loan company, their loan has been paid in full and their lien was released. I attempted to obtain a copy of my title from the Florida XXXXXXXX XXXX  XXXX XXXX  and was advised of the remaining lien with Mariner Finance. I immediately contacted Mariner Finance on XX/XX/XXXX, and left a voicemail requesting a return call. My call was returned on XX/XX/XXXX, from the local office of Mariner Finance, by a lady named XXXX. I advised XXXX of my situation and was advised that Mariner Finance does not have to release their lien as a result of my discharged bankruptcy. XXXX from Mariner Finance provided me with the total amount due of {$3900.00}. My response was that the car is a XXXX with approximately XXXX miles on it and not even worth that amount. I asked about a settlement of {$1200.00} ( 30 % of the debt ), payable in 3 monthly payments of {$400.00} each. I was told I would receive a response to my request later on XX/XX/XXXX. XXXX contacted me, with an offer of {$2800.00}, ( 80 % of the debt ) which must be paid in 3 monthly installments. I advised XXXX that I am unable to pay {$940.00} per month, for 3 months in addition to my current obligations. The call ended. I understand that the debt is still owed ; however, due to the age of the loan ( 7 years ) and my bankruptcy filing, I would expect Mariner Finance to provide me with a more reasonable offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/22, I spoke with personnel from XXXX, XXXX, and Transunion about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.

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 2015-06-06
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. First, XXXX XXXX XXXX tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.

Company response to consumer: Closed
Consumer complaint received 2015-03-25
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX at XXXX spoke to a rep at XXXX financial services XXXX where I was told they would call my job if I did not speak to them, I then told him not to call my job. The rep intern told me I 'm to worried about them calling my job and I need to handle to issue now. I advise I do not want any calls and to send any information by mail. On XXXX at XXXX I received another call after I specifically stated not to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with SLS under account number # XXXX which was a secured credit line for my home. This account was transferred from XXXX XXXX to XXXX on XXXX, 2013. This loan had a maturity date of XXXX, 2013 and during the month of XXXX, 2013, I called my lender and asked for a loan modification in order to extend the maturity date. I was told that it would be a simple process and kept making payments beyond the maturity date ( checks were accepted by SLS and cashed until XXXX, 2013 ). I was not told that the loan modification would take one year, that I would be reported late, and instead, I was told to continue making payments after XXXX, 2013. On XXXX, 2013, however, SLS stopped accepting my payments and they started to report me as late until they completed their loan modification process. They were slow, negligent and mishandled the loan application process to my detriment. They extended the loan maturity date of XXXX, 2013 by continuing to accept my payments and should not have reported me late to the credit bureaus. I am requesting that they remove all derogatory remarks from my credit report, given that I relied on their statements, I continued to make payments beyond the maturity date, as agreed, I was not told I would be reported late if I went through the loan modification process, and they took 12 months to process the extension, which was eventually granted, but by then I lost my home, since I was not able to refinance due to their negative credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XX/XX/2016, I ordered XXXX items using my debit card ( for {$65.00} ) from a web store in the XXXX. The items arrived from XXXX on XXXX XXXX and they were the wrong brand, shape, color, design, etc. 
I contacted the merchant and immediately began receiving spam mail ( now i think the site is fraudulent. ) I called Chase Bank and explained the situation. They gave me a credit and said they would be in touch. 
On the morning of XXXX XXXX, Chase said they required me to find a merchant and have them sign a document stating that these items are incorrect. I offered to send the entire package to Chase so they could see the labels themselves and I also offered to send photos. They are claiming that I must visit merchants and get someone to type a letter for me on their letterhead to say that I was defrauded! This is completely outrageous. I just went to my local store and they looked at me like I was crazy. What business owner is going to agree to do such a thing, especially for a non customer? This appears to be a way for Chase to put the burden on the already taken advantage of consumer. I have been a customer of chase for over 10 years and I have NEVER filed a dispute. There is no reason for them to NOT believe me. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Security Credit Services LLC Starting in XXXX law- suit against myself was filed by this company regarding a credit card debt. XX/XX/XXXX, I was facing a serious health treat was not working at the time, as I was starting XXXX treatment. At that time an agreement form was completed at the court outlining my inability to pay. 
in XXXX, once again they filed a petition, where according to court documents the case was dismissed after they fail to service. Security credit services transferred/sold to several Attorney groups. a few weeks ago, I discovered even after case had been dismissed, they had placed a lean on the home dated XXXX. Security Credit Services not only placed a lien on a home after case was dismissed also failed to update /notify the XXXX XXXX court to update system indicating case had been dismissed. Due to this action, I'm having a hard time applying for a loan. During the last XXXX weeks have contacted every attorney group involved with this case and none has any records whatsoever of this file/debt. I have also contacted Security Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Paradigm Assets, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions. Please respond to this complaint with the Validation of debt attached.

Company response to consumer: Closed with explanation