BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: Foreman Financial Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a car loan for which I made two years payments for, on a three year loan. After the car was impounded in 2013, I attempted to work with Forman Financial and their collections department, and was told loan docs and payment history would be sent so we could work out a payment plan. However, the documents I requested were never received and the loan was charged off. I would like charge off removed and the amount reflected in the report to show what was owed after the two years payments and XXXX down payment. I am also requesting copies of the loan documents and payment history. Also my credit report shows that they recently increased the loan amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX  XXXX  # 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

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 2016-04-09
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I purchased a ReloadIt pack and loaded {$240.00} on it to put on my prepaid debit card. After loading the pack it was said that I had to open a safe on Reloadit.com and add the card that I want to load in the safe. After adding the card and the reload pack to the safe, I attempted numerous times to load my card to get a message that says card is being verified. On the pack it says instant load. I called Reloadit and the representative says it takes 4hrs and its a federal government regulation. I asked for where it says that and she said in the terms and condition, when asked what part she hanged up the phone on me. I called again and was told its in the arbitrtation agreement and it is a federal law for the wait. But again it says instant reload.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/XXXX, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, Experian, XXXX, and XXXX, each of these accounts year to date credit reporting ends in XX/XX/XXXX. There appears to be no credit reporting since XX/XX/XXXX on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.

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 2022-05-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been an American Express cardholder since 1983 and I currently pay fees of {$5000.00} a year just for having the American Express XXXX ( XXXX ) card. I recently disputed a charge on my account ( Billing Error dispute # XXXX ) - I did not receive products provided by an online merchant. The original charge was {$210.00} and the amount in dispute was {$100.00} ; only hqalf of the goods were delivered. American Express sided with me in the dispute by issuing a credit, but only credited me back {$86.00}. No one at American Express can tell me why I was credited with this weird amount ( and not the full amount ) other than " that is what the computer told us to credit you with ''. The Fair Credit Billing Act ( section 1666 ( a ) ( B ) ( ii ) requires American Express : " In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. '' This was not done, but American Express refused to reopen the case. The American Express response to me stated simply : " Merchant has provided the enclosed documentation for your review. '' No shipping documentation was included

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
i took this loan out in 2009 for {$9000.00} it has been transferred to three different lenders since then.The interest rates are so high.even when it its deferment or forbearance. teh monthly payments are not affordable.my loan is now at a little under {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This firm is using wrong tactics on me to collect the debt. They are saying in the letter they sent a letter to Postmaster on XXXX XXXX to verify my physical address and they are saying on XXXX XXXX they received a response from the Postmaster indicating I had moved and left no forwarding address. This is absolutely false and should be prosecuted for giving false information that I moved. I have been receiving mail and also received a letter in XX/XX/XXXX dated XXXX XXXX. I have been at the same address for the last 16 years. Did they contact the XXXX XXXX company, the Gas company and Water District to verify my address. It will show with them my accounts through out and still have. If I had moved, I would not have accounts with them for that address. They are saying I declined to verify my address in XX/XX/XXXX and that is also false. Instead I asked them to verify my address and they did. I have phone records how many times I called this office numerous times since XX/XX/XXXX to get rid of this account. They had my phone numbers to contact me. Then they are saying my last payment made on the credit card was XXXX XXXX, 2012. I asked the Bank to verify where those funds came from. They said it came from the Business account when I never had business account in 2012. The last payment made was more than 4 years ago. The bank made errors before also on the statements. In order to file a suit they are showing payments made in 2012. I need proof how that payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortage balance of {$1.00} in full via a XXXX billpay check on XXXX XXXX, 2016 to BSI Financial. BSI refused to apply my payoff to my account and instead continued to send me late fees XX/XX/XXXX on a {$1.00} balance!!! Upon speaking to a supervisor, I was informed that they could not apply the final payoff payment until I paid them {$41.00} to record the deed with the courts as PAID! I requested proof of this policy in writing which I never received. On XXXX XXXX, 2016, I sent the {$41.00} recording fee anyway so that I could be DONE with this crooked company who has refused to apply payments in a timely fashion for the last 4 years!!! Now, they refuse to still apply the final payoff of {$1.00} and refuse to complete the recording of my payoff with the courts and continue to send me late fees on {$1.00}! Why is this company still in business!!??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: LA
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:
This is my formal notice of an intent to sue with Experian Ive tried 4x to get this issues resolved and they come back saying investigation verified how are you verifying this information I wasnt given a full file disclosure and also you are using my information without my written consent which is identity theft, According to 15 USC 1681 ( b ) Reasonable procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter which Experian did not follow 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit reporting : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy which Experian did not give me using my private information without my consent and making these derogatory reportings Experian reported information onto my consumer reports based off of transactions and experiences without my consent and this is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) According to the XXXX XXXX Act I was suppose to get a chance to direct whether I wanted information about a transaction onto my report or not, I wasnt and Experian did post transactions anyway According to 15 USC 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give Experian written instruction to report any of 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 non-monetary relief
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: PA
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:
I have never gave my consent to the credit bureaus to expose anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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: Account information incorrect

Complaint:
XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

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 2021-11-17
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX regarding a collections debt from XXXX. I sent this company a certified letter to validate this debt. The debt was not validated but sent from a company with a different name Cavalry Portfolio Services , LLC. In the amount of XXXX. The account listed is XXXX. The address is different as well. The address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX was sent certified verification mail. XXXX XXXX XXXX and/or Cavalry Portfolio Services , LLC did not verify this debt but instead sent me a bill. Nothing verifying the debt. This is clearly an abuse of collections tactics. This is not my debt and is from XXXX don't have or have had any business with this company in the past or currently. This is harassment! I demand that this collections company cease and desist all collections efforts and stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Medical Data Systems, Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. MedicalRevenueService ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XXXX/XXXX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with XXXX  XXXX/XXXX/XXXX. I am awaiting the results.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Since Summer XXXX I've been trying to fix this problem. I have a student loan from XXXX University, administered by XXXX XXXX. My loan and payments showed in my Transunion credit report. I disputed to Transunion the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, Transunion responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though XXXX XXXX confirms they have been reporting my payments to Transunion on a monthly basis ; ( 2 ) Transunion says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the account exists, it is mine and it was in my Transunion report. ( 2 ) XXXX XXXX has evidence of reporting my information to Transunion, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.

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 2021-11-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Account # XXXX Does not belong to me. 
XX/XX/2021 I have noticed inaccurate information on my credit report XX/XX/2021, I have sent to Nissan motors a request to verify this Account # XXXX 30+day pass and on XX/XX/2021 there was a response from Nissan motor XXXX on XX/XX/2021, I have reach out to XXXX XXXX XXXX, to Investigate the account. 
This account was never investigated by XXXX Came out as verified. 
XXXX has updated my account. Showing two accounts. With a different account number showing # XXXX Which this account, is one of my old accounts, that is paid in full. XXXX has sent me a letter saying that they will not conduct any further investigation after this latter rich 30 days. 

On XXXX Account # XXXX. Is showing Too Account # XXXX and XXXX. 
Which this XXXX is the Same account.as Account # XXXX. 
Experian Have. Investigated this account. updated account and still shows as verified. 

on XXXX this Account # XXXX is Different from XXXX XXXX XXXX not reporting accurate data and not reporting the right day this account is Supposed to be out of my credit report. 76, terms. Every other reporting agency is reporting 75. 

I have included. A copy of my Social Security card. California ID. 
Proof of residency. the Verified letters, that XXXX send To me. A copy of the contract. The letters. Requesting. Verification. of my behave. Copy of my credit report, that shows inaccuracy on all three major Credit bureaus I also have sent Copies of the Dispute to all Credit Reporting Agent agencies. XXXX XXXX XXXX. CFPB You should receive a package by mail. on Monday XXXXwith a contract that shows a signature that doesn't belong to me. The name is spelled wrong and is not signed by me. I want this remove deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Sent several dispute letters about inaccurate information being reported to consumer reporting agencies along with asking for general disclosures 15 USC 1638 so I can know my consumer rights with this financial institute. I've sent 2 negotiable instruments for payment in XXXX and XXXX ; the company has failed to comply with the law regarding negotiable instruments. I haven't received the negotiable instruments remittance back from Fortiva or a letter of dishonor stating why they were not accepted which the law clearly states these are the steps that should be followed. Before the account was closed in XXXX and I disputed the billing errors ; Fortiva charged me late payments the same day the bill was due XXXX and XXXX. The account has be closed since XXXX and I'm still waiting on a response from my disputes letters sent in XXXX and with the account being closed Fortiva has failed to comply with the law reporting late payments interest while the closed account is under dispute.15 U.S. Code 1681s2 I have XXXX emails from the company Attempting to collect a debt from XXXX. The list of violations from this company and there negligence is something I've never experienced. 

FORVITA ACCOUNT # 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 2020-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I noticed there is New Chase total account and credit cards account open under my information. I have not acknowledge or consent to opening these accounts. Please authenticate the account holder and provide documentation. I have not consent to or acknowledge of these account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on XXXX and one on Experian. While 0 on XXXX further proving this information inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation