BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the charged off status of XXXX accounts that Experian shows as being charged off in the current month. I have sent in requests for investigation as well as provided them proof that in no conceivable way could the status of these XXXX accounts be charged off in the current months. 

Experian has consistently failed to investigate properly and each subsequent time has come back and updated the reporting to report the current month in which I disputed it as being the month the accounts are charged off. 

There is inaccurate payment history with these XXXX accounts that Experian fails to investigate or yield correct information. I have provided them proof on XXXX separate occasions that have yielded incorrect reporting again and again. 

Attached is a copy of the XXXX XXXX credit card account that display the inaccurate information. It is not possible for me to have a charged off payment status under these XXXX accounts since there is no balance due and the accounts have been paid and closed. Experian is knowingly reporting inaccurate information as I have previously provided them with evidence that these accounts are reporting inaccurately. 


The accounts are the following : XXXX XXXX which has inaccurate monthly reporting and other data issues. 
XXXX XXXX which also has inaccurate monthly reporting and other data issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

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 2017-02-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received letter dated XXXX/XXXX/2017 that I owe XXXX to " XXXX XXXX XXXX '' - I have never owed this debt. I tried calling National Credit Systems and the agent hung up on me. I want this corrected and taking OFF credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I didnt realize that I was being scammed until things started not to add up. Not I have been scammed out of {$670.00} by a fake Dr on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a loan from Cash Call in 2013. The amount was {$5000.00}. I did n't understand the terms of the loan because the transaction occurred within a couple of days. I then lost my job and defaulted about 7 months later. Cash Call made it very difficult because they would not work with me until l could get back to work. The interest is now 119 percent. Now Cash Call is threatening to file a lawsuit and the balance is over {$35000.00}. 
Initially the salesman who I spoke with never explained the terms of the loan. Therefore it is my believe that there was despection. When I tried calling him back to let him know I lost my job it was impossible to get him or someone to speak with. 
The collection department would call about XXXX times a day but used blocked numbers or unrecognized numbers. I spoke with someone in that department who was not willing to work me on a partial payment. My salary was and is still very low, and I am not capable of making payments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid before the collection agency started collecting. 
Was never in default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a truck in XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Texas. I made my first two payments on time, but due to layoffs and the corona virus, I was late on my third payment. It was due XX/XX/2020 and I paid it XX/XX/2020. I had spoken with the bank ( United Auto Credit ) and they assured me that if I made the payment my account would remain good and that I would be back on track. The dealership urged me not to pay the payment, telling me that my loan was no longer valid. I made the payment because the bank insisted it would be okay. During the time, the dealership called and texted me repeatedly telling me to bring the vehicle back. The bank insisted I must maintain possession of the vehicle. As of today, XX/XX/2020 I was informed that my loan account had been returned to the dealership to purchase. The dealership informed me they would repurchase the vehicle and file it as stolen if I dont return it tomorrow. My cousin who has been in the car dealership business has went over my contract and even he says something isnt right about this situation. I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have tried to pay my car note online at XXXX XXXX for over two weeks. Before they switched their systems. I had my reoccurring payment set up with my bank account for 2 and a half years with no problems. Now, my payment has been rejected two times f5rom the online process through my bank account and would not be accepted via EXXXX Debit Card or XXXX XXXX through their XXXX XXXX. I called XXXX twice and my bank twice. My bank, XXXX, says they are not rejecting any payments from XXXX ( as XXXX emailed me and said my financial institution was rejecting the payment, three times XXXX. I called XXXX twice, the first time they said that it was my banks fault and to try again, which I did. Today, XXXX I called after I received another email saying the payment I tried to give on XXXX ( third time trying ) was rejected and I had incurred a late fee. I spoke to someone in their Customer Service department, but I could not really understand her. She said my bank account information was incorrect ( which it was not ). She said she would waive my late fee and connected me to their payment system XXXX XXXX. XXXX XXXX could not accept my XXXX Debit Card, XXXX Credit Card, XXXX. I checked online and the late fee has not been waived. I am highly frustrated and super inconvenienced since I had all the information in my account previously, and now it is not working. This could affect my credit score, and I have not received any help from XXXX in regards to paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: AL
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:
My Experian score was XXXX in XXXX, XXXX in XXXX and has been XXXX since XXXX. I have had no late payments, my credit usage has been less than 10 % the whole time, I have not closed any accounts nor opened any new ones, no new inquiries, no changes in my existing credit limits. Experian either can't or won't explain why the same factors that were good enough for a credit score of XXXX in XXXX is good for only XXXX now. There is no reason at all for such a sharp decrease in my score two months in a row and Experian has done nothing but give me the party line about how they calculate their scores and what can cause them to change. None of those things that can cause change has happened, and my credit score has plummeted very rapidly. I would like them to either correct whatever is wrong or give me a satisfactory explanation for such a rapid, drastic change when my circumstances have not changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Account information incorrect

Complaint:
I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, XXXX, and Equifax all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
There are many areas that my complaint fits under. 

Company 1st contacted me on XXXX regarding a debt I did not initially believe was mine. I thought it was a scam and asked them to send me something in writing before I would communicate with them. They told me that I must set up a payment arrangement right then or they would take legal actionOn XXXX the company contacted my employer and identified themselves to " verify my employment '' then they contacted me, since I had not received anything by mail, I again stated I wanted something in writing before I would discuss anything with them. I also told them I was recording our phone calls ( legal in Oregon XXXX, they got upset and hung up on me. 

XXXX I sent a certified letter asking them to validate this debt. 

XXXX I received XXXX letters, one with a summary of the debt and one that indicated that they had contacted my lawyer and threatening legal action. 

XXXX. I received the information on the validation of debt that stated I had XXXX days to dispute the debt. 

XXXX They filed a claim in XXXX XXXX court. 

I have now realized this is my debt from my daughter and there was some confusion between me and my ex husband, I have no problem that I paid the original {$220.00} debt, what my issue is, is that my rights under FCDPA were clearly violated and I had to pay and additional {$93.00} of " fees '' because they filed a lawsuit before they gave me a chance to dispute the debt. In addition they contacted my employment and since I work XXXX I am aware they have done that with other employees as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: WI
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. the list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX bank 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 XXXXXXXX # XXXX XXXX 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 States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has Reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Loan has been closed with Dovenmuehle Mortgage for over 2 years. I received a letter from California State Controller XXXX XXXX advising me that I had a credit balance with their company for {$1400.00}. The letter advised me to contact their customer service to retrieve the funds owed to me. 

Starting in early XXXX of 2022 I begin to contact them. From the start I was given wrong information and transferred to various departments. Initially I was told a check was being mailed and nothing else had to be done. After waiting a few weeks, I called back in and they told me I had to email them the letter from XXXX XXXX, Which I immediately did. I waited a few weeks and called back and they said they did not receive it, So the rep on the phone had me send it to her directly when we were on the phone. She confirmed receipt back in XXXX and said the check would be sent out within a week. 

I called to check on it last week and they said they no record of my request. 

I have made over XXXX calls now and spent over XXXX hours on the phone with this company trying to collect money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I am having an issue with XXXX and XXXX XXXX  removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like. 
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights. 
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I recently moved from XXXX FL to XXXX FL. I submitted an application to XXXX XXXX to roll my 401K into an IRA account. I then updated my address to reflect my current location. Apparently, the address change caused XXXX XXXX to freeze my account for 15 days, advising that I could not take any actions on my account until XX/XX/2017. I called and asked what I needed to verify in order to process my rollover, but they refused to accept any verification. If they are going to take such drastic measures with customer accounts, at the very least there should be a way for customers to unfreeze their accounts over the phone. Also, when changing my address online, I should have received a notification BEFORE submitting my change request stating that the change would cause my account to freeze for 15 days.

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 2021-12-29
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I SPOKE WITH SOMEONE WITH EQUIFAX NAMED XXXX AND WAS RUSHED OFF OF THE PHONE WITHOUT RECEIVING PROPER ASSISTANCE. XXXX WAS RUDE AND WOULD NOT LET ME TALK. ACCORDING THE FRCA ANY UNVERIFIED INFORMATION MUST BE REMOVED FROM THE CREDIT REPORT. 
I CALLED REGARDING A DISPUTE I FILLED MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this debt on two previous occasions with two separate debt collectors. Each time the cases were dropped. I sent certified letters. File complaints via CFPB. None of the debt collectors were able to provide the debt was mine from XXXX XXXX XXXX. My identity was stolen. The other collectors were XXXX XXXX and XXXX / XXXX. I will be sending a certified letter to ERC.

Company response to consumer: Closed with explanation