BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.

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 2019-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a XXXX XXXX XXXX XXXX from XXXX. XXXX on XX/XX/XXXX. They asked me about a trade in and I did a trade in of my XXXX XXXX XXXX. They left out the trade information on the purchase order and they also had me initial that I was unable to sue them. No one from XXXX. XXXX signed the purchase order also. I financed the XXXX car with Credit Acceptance and XXXX. XXXX said they would take care of the trade in. They gave me {$1000.00} for trading in the XXXX and on the purchase order they listed it as " deferred down payment ''. I only put down {$300.00}. The XXXX. XXXX  I worked with ended up closing its doors in XXXX and there was a list of complaints which probably resulted in them closing. Their address was XXXX XXXX XXXX, XXXX, CT XXXX. XXXX. XXXX is a franchise and there is still some locations open. On XX/XX/XXXX Credit Acceptance signed the release of my title for the XXXX. I believed everything was all set because they would not mail me my title unless the car was paid in full. Later when I viewed my credit report, I seen that I owed Credit Acceptance {$9300.00} as of XX/XX/XXXX. They attacked me stating they were going to garnish my wages if I didn't pay them. I took this discrepancy to court ; in which the judge ruled in their favor and I am now obligated to pay ( court order ) {$120.00} out of each pay check for a car that was traded in!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
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:
This account was previously owned by another debt collector, which whom I was originally paying {$100.00} to per month. I contacted that creditor to make a payment only to be told that the account was transferred but they had no knowledge as to whom the account was transferred to. I have never been contacted by MCCARTHY, BURGESS AND WOLFFE, therefore I was never properly notified until this account appeared on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violate my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card 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 2017-08-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX mortgage discharged XX/XX/XXXX, XXXX sold mortgage XX/XX/XXXX to XXXX. XXXX files bankruptcy XX/XX/XXXX. XXXX reports loan discharge XX/XX/XXXX.Loan paid off XX/XX/XXXX. XXXX reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
Experian refuses to correct in spite of overwhelming documentation to the contrary. 
XXXX writes they have no record of loan. 
XXXXC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is XXXX 'S.

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 2017-08-28
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:
OnXX/XX/XXXX I settled my whole Dept with your company in the amount of {$300.00}. After reviewing my recent credit scores from Equifax, XXXX, and XXXX XXXX, I noticed that instead of you guys reporting it paid in full, you in fact sent them a notice that I OWED you {$300.00} This in turn has opened a new negative balance on all 3 reports showing that there was a new account opened. I have called each reporting agency and all told me I have to go threw you guys and in turn, I have attempted to resolved his numerous times with absolutely no resolve. I have reported your company to the Federal Trade commission and soon going to report you to the better business bureau and the CEO as well. In turn, if it 's not resolved asap I am going to take serious legal action against XXXX XXXX XXXX. I want this and any affiliation with your company removed immediately with all 3 agency 's. I have paid the debt in full and in turn I will not allow your company to keep any negative judgement on my reporting agency 's. Enclosed is both receipts explaining exactly what your company did. 
Above is This is the receipt that your company sent to the reporting agency 's which in turn allowed them to report that instead of paying you the {$300.00} in full, that I actually had a balance ... ... ..!!!!!!! 

This is the actual receipt that should have been reported and I demand that you take this very serious and report the correct receipt to all 3 agency 's and have XXXX XXXX  taken completely off all my reports. 

XXXX XXXX XXXX, eqifax, and XXXX XXXX have all reported this as not only a charge off but new late payments and derogatory marks on my credit reports. Please tell them all that thes are paid in full. I have no emails to these company 's to send them the paid in full receipt. I want all agency 's to remove all affiliations with this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: NCB Management Services Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against NCB Management Services , Inc for committing identity theft. I have never give NCB Management Service Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB Management Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB Management Services Inc continues its collection efforts I will file for litigation for actual damages caused and NCB Management Services Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Google Compare Credit Cards Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Consumer Finance : My name is XXXX XXXX. I am corresponding because I am dealing with identity theft, harassment, invasion, intrusion and abuse. 

In short, I have an account with Google and I use one of the products call Google Play. The account allows for me to make purchases. I can pay by credit card etc. I have receipts for dozens of purchases and hundreds of dollars. Yes, I have changed my passwords on different occasions.
Someone logged into my Google account, and specifically on the product Google Play and created a false radio station called, " Humble '' with specific music I did not pay for. 

The people who are stalking me are intentionally taunting me by violating my financial boundaries in my accounts and where I have made purchases. The stalkers have created diversions to stop me from day-to-day activities. This issue is about money, but is also race related in that they are doing this to taunt, bully and subject me to invasion of privacy and intrusion. The people who are logging in are framing me. 

If I have changed my passwords, what can be done to fix the issue with my account that I use for purchases? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/Synchrony Bank, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, XXXX is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: OH
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

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 2020-04-23
Company: EQUIFAX, INC.
State: MO
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This is a report on my XXXX credit card, like the first XXXX am also making payment on this card for more than 17 months and the card remain the same I make payments every month the amount remain the same I tried to call them to resolve the issue but they could not even though I stop using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX has violated my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX entered into loss mitigation program with PNC Mortgage XX/XX/XXXX partial payment was returned. When I asked why they had no idea! I tore up the returned check and they reapplied it to my account. 
XXXX  XXXX completed loss mitigation program with no late or incomplete payments. 
XX/XX/XXXX I contacted PNC to be sure that I should only pay normal monthly mortgage payment. I was informed that I still owed {$2800.00} in fees but have the rest of the life of the loan to pay these and to only pay normal payment. I did go ahead and send a check for half of the amount of the fees ( {$1400.00} ) dated XX/XX/XXXX marked to be applied to the fees. Check was cashed by them on XX/XX/XXXX however, the money was never applied to the fees XX/XX/XXXX found out that my credit report erroneously reflects that I have several late payments XX/XX/XXXX contacted PNC to have them remove the erroneous reports but they refused even though they show that my payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 

My name is : XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX My current phone number is : XXXX Also, my current and only address is : XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct

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 2017-04-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient - Firstly, I dont believe i ever approved my loans being sold to a third party like navient but the point of this is they are reporting to the gov. about half of the interest I actually paid to them. The XXXX I received was half what I actually paid verifiable with my bank account and loan statements. Seems to me they are trying to report less interest paid so they can cover up the ridiculous rates and fees. I dont think interest is calculated correctly at all on my account. 

Now, for the past 3 years i have been making double payments consistently. Fortunately unlike so many others i am able to pay these loans with no problem. However, after just making larger payments all of a sudden the interest rate jumps from 2.8 % to 5 % an 80 % jump? Their actions are completely criminal. Why do they use students like this? is my 2 points really going to make/break the bank? Im not even worried about me. Ill be fine but how many other things do they slip in under the rug to rake in millions off the backs of the students of this country. It really needs to be stopped. I dont even know what to do. I feel completely helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2017-08-29
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 disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

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 2017-04-14
Company: BARCLAYS BANK DELAWARE
State: PR
Product: Credit card
Issue: Other fee

Complaint:
I used to have an XXXX XXXX XXXX card. The account balance was {$0.00}. XXXX XXXX closed my account on XX/XX/XXXX. They sold my account to Barclays BANK DELAWARE. I screen and monitor my credit Weekly and received a notification from XXXX XXXX Website and realized that my credit score was below the usual number I had. When I looked closely, I realized that my score was affected by BARCLAYS BANK DELAWARE. They claimed I owe a balance of {$180.00} of {$8500.00}. To my surprise, I never received a card nor activated my credit card from this bank. I called them on XX/XX/XXXX and they told me to create a complaint to your company because they have no control or are able to correct this error. They verified that I never activated it. By all means, I am not paying an APR balance of a card that I am not using, and since it 's late, it 's accruing interest. Please help me with this matter and fraud.

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 monetary relief