BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am retired  XXXX  member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my  XXXX  benefits began from AAFES back in  XXXX    XXXX  . I only have my  XXXX    XXXX   pay and   XXXX   Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original  Military Star  account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay  XXXX  Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.

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 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Sometime In XX/XX/XXXX sentry collections placed a collection on my account for an account with XXXX which I do not own. 
I filed dispute with TransUnion which resulted in the dispute being deleted. 
On XX/XX/XXXX sentry credit in violation of fcra places same collection that was disputed in XX/XX/XXXX as a new account on my credit report. 
TransUnion in clear violation of fcra without evidence supporting the relist of a prior deleted information and notice to inform me within 5 days reported the deleted information on 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 explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions 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:
The month of XXXX there have been two lates reporting on my credit report. I reported the documentation to Experian and still have not gotten it resolved. I was never late on any of the accounts and Experian refuse to update my credit report from the 30 day late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want XXXX to delete this information and to be accountable for their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, Equifax and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all  XXXX  credit reporting agencies and they have failed to provide requested information. According to FCR A 623 ( a ) ( 5 ) i f the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.The United States Bankru ptcy Co  urts of   XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.     However,  XXXX , Equifax and  XXXX  actively searches public records for any judgments and tax liens through third party research.     A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research.     Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy  XXXX  and received a letter in return stating The Clerks office does not provide information to credit reporting agencies.     Equifax has mailed me an electronic signature of documents.  XXXX  has not provided any feedback on my request to validate public records.      XXXX  has not provided any feedback on my request to validate public records.     Please see my attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY IS REPORTING INACCURATELY IN MY REPORT AND ITS DAMAGING MY CREDIT FILE FOR 2 YRS NOW, I HAVE TRIED COMMUNICATING WITH THEM AND SEND THEM LETTERS TO ASK FOR PROPER VALIDATION TO THE DEBT THEY CLAIM I OWE FOR {$430.00}. THEY ARE ALSO REPORTING A 120 DAY LATE IN MY CREDIT REPORT AND A LAST PAYMENT ACTIVITY BUT I NEVER PAID THIS ACCOUNT. IM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY IS REPORTING INACCURATE INFORMATION IN MY CREDIT REPORT ACROSS ALL THREE CREDIT BUREAUS. IT IS SHOWING A 120 DAY LATE ON THIS ACCOUNT FOR {$3000.00} DEBT THEY CLAIM I OWE, I SENT LETTER VALIDATION TO THIS COMPANY SO MANY TIMES FOR THE PAST YEAR BUT THEY NEVER BOTHER TO RESPOND AND GIVE ME A PROOF OR PROPER VALIDATION OF THIS DEBT. I AM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME RESOLVE THIS ISSUE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: LEADER ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had Hail damage Summer 2016 in Colorado XXXX. I have turned every XXXX of the insurance checks over to my Mortgage Company. I have submitted all the required notarized Lien Waiver 's from the contractors. The Mortgage company has subcontracted the Loss Draft portion to another company, which have been very rude and difficult to work with. The mortgage company acknowledged that their subcontractor was not cooperating and appointed a person at their Corporate office to help, to date this person has tried to help, although the subcontractor is not working with her either. I had an inspection from their inspector and he said 95 percent of my work was complete. I have outstanding bills to be paid and they are not releasing the funds because they are saying 5 percent of the work has to be completed. The 5 percent outstanding are the XXXX, which may not happen until the weather in Colorado warms up. Several of the bills are over 30 days late to be paid. I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent accounts listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. Please remove these fraudulent accounts from my credit report.XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$4200.00}. I have attached copies of the FTC Identity Theft reports with this complaints. Te 2 reports numbers are XXXX and XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD XXXX XXXXXXXX IN THE XXXX XXXX XXXX INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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:
I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is reporting  XXXX  personal public tax liens fro m  XX/XX/XXXX  and  XX/XX/XXXX .    reference numbers  XXXX  and  XXXX  These tax liens were paid and these leans were paid and satisfied for several years.   I recently contacte d   XXXX   XXXX   XXXX    tax Examining Technician with the compliance Administration collections Division of the   XXXX   XXXX   XXXX   office of tax and revenue, Office of the  Cheif financial  Officer    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   Phone  XXXX  fax  XXXX   XXXX   XXXX  email-  XXXX .  XXXX  XXXX  XXXX  Who issues me certified documents  XXXX  release of the   XXXX   XXXX   XXXX   tax lien, recorder of deeds which states paid and satisfied and a certificate of release of federal tax liens for me to issue to the credit bureaus to REMOVE the liens from my public record.  XXXX  and  XXXX  have both complied.  Transition has  not. They said they specifically need a form which states " withdrawal '' even with proof of written correspondence with    XXXX   XXXX   w hich states specifically '' when a person pays off a loan in full, the lien is removed. the assets is no longer pledged to the creditor when the balance is completely paid. The Lien is removed from the credit reports - thanks again    XXXX   XXXX   XXXX   .   Transunion refuses to comply. I have provided them all this information by certified mail. opened the investigation 45 days ago. They have failed to remove it and reopened another investigation for the same issue. I explained to them t he    XXXX   XXXX   XXXX    does not  provide withdrawal forms to withdraw. The form they provide is a  XXXX  form. I clarified this information with  XXXX   XXXX  as to the language being sufficient of the credit companies to remove they confirmed. I provided transunion with this into. This is cause me detrimental harm to my business ventures, capital and ability to ascertain credit along with affecting my good will.   Please help bring this to a resolution as soon as possible.    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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my information and applied for a Bank of America credit card. According to XXXX, the account was opened on XX/XX/2021. The balance was {$660.00} as XX/XX/2021. 

I contacted BOA but they said they did not find any account under my SSN. I contacted XXXX and they helped me remove this account from my 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 2021-10-22
Company: EQUIFAX, 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 have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX XXXX. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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 am writing a complaint in regards To the three credit bureaus Experian, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.

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 2017-10-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX brand new. In XX/XX/XXXX the transmission had to be replaced. In XX/XX/XXXX the car had XXXX miles cost {$4000.00}. In XX/XX/XXXX the car again started having the same transmission XXXX MILES. 
I was told by XXXX XXXX XXXX XXXX that the transmission would have to be replaced again at a cost of {$3200.00}. The new transmission has only XXXX miles on it. I was told by XXXX XXXX XXXX XXXX XXXX told me that the warranty on the new transition was only for 12 months and if I want the car repaired I would have to pay the full price. 

After doing research the CVT transmission of the XXXX I have found that many consumers are complaining of the same issue. The car will not accelerate when you push on the gas This is a safety issue example if I were to pull out into a busy intersection I may be hit because the care fails to accelerate to the default in the transmission. 

I do not believe I should have to pay for another transmission that will fail again do to XXXX XXXX flawed design.

Has a class action lawsuit been filed against Nissan if so please add me to the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Finance of America Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Finance of America deliberately let the rate lock expire ignoring my numerous follow ups about their failure to contact the appraisal company to get it expedited. After my appraisal was completed 6 days before lock they wasted more time to add more Originate fee to my leaving me with no option but to pay. Basically forcing me pay the fee with no option. 
Looking at other reviews this seems to be the loophole they are using to let lock expire so they can charge more fee. I have complete documentation with clear time-stamps of my follow ups and their responses. Also they fail to respond to most emails in time and even if they which are ambiguous.

Company response to consumer: Closed with monetary relief