BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
After my three year lease with Nissan Motor Acceptance Corporation ended, I received an invoice for {$4200.00}. I promptly responded and paid {$660.00}, the amount I was certain was due to Nissan. With respect to the other items in the original invoice, I sent Nissan a letter dated XXXX/XXXX/XXXX disputing certain items, asking for verification that certain expenses had been paid and asked for verification of the basis of certain charges. 
The next invoice I received a letter from Nissan credited my payment but did not respond to any of the issues raises in my letter. I then sent another copy of the letter, and had the post office provide me with a tracking source that the letter had been delivered. On XXXX XXXX, XXXX I received another letter from Nissan reminding me that the balance of {$3500.00} was due, and staring that if I did not pay the amount due, my account may be referred to collections and the credit reporting agencies. 
Nissan has an XXXX number to call, and I tried it twice, finally hanging up in frustration after being on hold over 12 minutes. 
The majority of the amount Nissan claims is due is likely valid, e.g., the amount Nissan claimed paid to the XXXX for an annual car tax. I am only asking for verification that Nissan paid the bill from the city .A majority of the amount in question can be resolved by Nissan providing me with the backup requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: IL
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 have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-07-28
Company: EQUIFAX, INC.
State: IL
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 have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've been disputing inaccurate accounts with Transunion and XXXX  for over the past year via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX & XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX  account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. XXXX  and XXXX  deleted this XXXX  account because it couldn't be verified. This XXXX  XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for over a year now with Transunion and XXXX, each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, XXXX  reported previously XX/XX/XXXX, according to the last payment of XX/XX/XXXX that does not coincide with its Date of last activity recorded, which means that the Balance Owed amount and Past Due amount is inaccurate. XXXX  reports a payment pattern to XX/XX/XXXX on a closed account dated XX/XX/XXXX. This account is still inaccurate and Re-Aged which leaves Transunion and XXXX  in violation thereof ... ... Moreover XXXX reported by Transunion and XXXX  have been requested repeatedly to be updated, its last report date has not change since year XXXX, which means this disputed account has not been investigated. On this account Transunion reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports a inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to ... ... XXXX XXXX is another account that XXXX  reports a inaccurate Late 90 Days on a {$0.00} Balance Owed account, its last report date has not change since XX/XX/XXXX, which means this disputed account has not been investigated. This is inaccurate reporting, XXXX & XXXX XXXX needs to be updated immediately ... ... Also my personal history needs to be updated it records an inaccurate name XXXX XXXX this is not my name. Delete XXXX XXXX from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Remex, Inc.
State: NY
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that REMEX would verify the debt. So I took it upon myself to ask REMEX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: CA
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 DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments

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 2020-03-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraud account showing up on my experian 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 non-monetary relief
Consumer complaint received 2017-05-20
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
hi i have over  XXXX  hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack 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 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking # XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Information belongs to someone else

Complaint:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: LA
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm a co-signer on my son 's student loan through Navient/XXXX. I 've been paying for years on the loan and the balance does n't seem to move. Also, when I talk to representatives, they seem confused and give me conflicting answers to my questions. Recently they just raised my interest rate to almost 10 % without notice. When I called for them to explain the reason for raising the interest rate, there answer was because of government regulations. It says on there website that interest rates can only be raised because of your credit score. My credit score is excellent and I do n't understand their reasoning. I am disgusted dealing with Navient and never seam to get an honest answer. When I asked if there is someone I can talk to in person, there reply was there is n't anyone in the company that I can talk to or physically go to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Bread Financial Holdings, Inc.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection bill was sent to an address I have never lived at. It was for something I had never received nor signed up for. When I called the debt collector on the bill XXXX XXXX XXXX ( XXXX XXXX XXXX is the name on the credit report ) all they would tell me is that it was for magazines through XXXX XXXX and that I needed to pay the {$910.00}. I told them I never received any magazines and never signed up for any, and in fact I never even saw a bill for any until this one, that my mother received at her new home which I never lived in ( not to mention I haven't lived in the city they sent it to in over ten years ) and that this was a scam. The Collection agent told me it was a not scam and that it is on my credit and it has to be paid. I can't fathom paying something I have nothing to do with. This is a SCAM, it is FRAUD. They should not be able to do this to people. They have provided zero proof that I ever was involved in whatever fabrication is being made up. At this time I don't know if I need to get an attorney or what the next steps should be to get this removed from my credit, because I refuse to pay something that is fraudulent. 

I disputed with Experian, they said they investigated and it remains but provided no proof or details on what the investigation entailed. They said I can file a complaint with this agency as my next step. I am asking for guidance and help to overcome the fraud being manipulated on me and my family.

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 2020-03-30
Company: Experian Information Solutions Inc.
State: PA
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 a recent victim of XXXX XXXX. I am a consumer in pursuant of 15 USC 1692-A3. Experian, XXXX and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently paid off my balance on my account. The account has been closed since XX/XX/2021. I paid the balance off on XX/XX/2021. I received a statement in the mail stating I still had a balance. I called comenity bank and they informed me that I paid off my balance to late because I had finance charges that came after for {$2.00}. I havent gotten any letters or emails up until this point. So because of this outstanding {$2.00} finance charge I now owe {$14.00} because of late fees and more finance charges. I called the company and told them that I am willing to pay the {$2.00} that I owed for the original finance charge, but I am not willing to pay the extra finance charges and late fees because I had no idea this was happening. XXXX the supervisor told me that there was nothing that they could do and it is what it is. I dont understand how I can accrue more interest and charges when my account has been closed and I have had no communication from them other than this statement 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Wilson, Riley & Associates
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been filing complaints since 2011!!!! 

Violation of Fair Debt Collection practices. Claiming to be an attorney office, no website or contact information provided. Yelling, screaming, and calling names. Refusing to communicate via writing as requested. Contacting family members and friends trying to collect a FALSE debt. Threatening police will come to serve papers. This company is a fraud. They have violated ALL of the following Fair Debt Collection Practices listed below : Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not : use threats of violence or harm ; use obscene or profane language ; or repeatedly use the phone to annoy someone. 

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they are n't ; or indicate that papers they send to you are n't legal forms if they are. 

Debt collectors also are prohibited from saying that : you will be arrested if you do n't pay your debt ; they 'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so ; or legal action will be taken against you, if doing so would be illegal or if they do n't intend to take the action. 

Debt collectors may not : send you anything that looks like an official document from a court or government agency if it is n't ; or use a false company name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation