BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XX/XX/2017, I received an email from a potential employer stating that they could n't run a background check on me as their background check vendor received the following when using my SSN : " Information provided is registered to XXXX, order can not be completed. No record found at the credit bureau. '' I spent the next 4 hours on the phone with the FCRA Consumer Disclosure Center, the Social Security Administration, XXXX, and, finally, Experian. The SSA and XXXX could find no issues with my SSN and confirmed my birthdate. Experian, however, told me that a creditor had submitted a birthdate change to my record which Experian changed without consulting me. I was told by Experian that I would have to provide proof of my birthdate and SSN and they will rectify the issue in 3 to 5 days. This could potentially impact my getting a job with this employer. I suspect that the creditor that submitted this information had erroneously typed my birthdate. However, it is beyond my understanding that a birthdate change could be submitted to a credit reporting agency and that reporting agency accepted this as fact when, in turn, they require me to prove via documentation that my birthdate was, indeed, the date they originally had on file. Again, this change has impacted my ability to get a job.

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 2021-08-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an unauthorized charge on Friday, XX/XX/2021 for {$300.00}. On XX/XX/2021 I realized that my debit card was missing, and I had not been aware of the charge until that day. I called Chase bank on Saturday, XX/XX/2021 at XXXX on a 15 minute call notifying them about the fraudulent charge on my account. I received an email notice/letter from Chase Bank on XX/XX/2021 stating that it my provisional credit will be removed because it was an authorized charge when in fact it was not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 talked to Nissan Motor Acceptance Corporation to add my payment history but they denied due to the bankruptcy file in 2012. 
Also contacted all 3 major credit reporting companies but they refereed to your website to report with the proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Waiting more 15 days for response from credit bureaus requesting the item be deleted based on the credit bureaus lack of compliance with the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX County Special - XXXX County Special - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, Capital One was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff. 

The Attorney Capital One obtained, XXXX XXXX XXXX XXXX XXXX has not done their due diligence either. I never notification from them in attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Creditor Claims of America, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to contact Amerihome Mortgage to have the value of my home re-evaluated so that I can have the PMI on my mortgage account removed. The value of my home has risen more than enough to put our account under the 80 % loan to value ration needed to have the PMI removed. I have attempted to follow their instructions twice now. Each time, I am told to write an email and wait 30 days. Two emails, two 30-day cycles, and numerous phone calls has resulted in being told that there is no record of my request and absolutely no one that I can speak to. All that I can do is send another email and wait and additional 30 days. Even though I have received confirmation emails, saying my email has been received, I keep getting told that there is no record of my request and, again, there is nothing that can be done except to submit another email and wait. 

I sent my first email to XXXX on XX/XX/2021. I then sent a second on XX/XX/2021. Upon speaking with a representative today, I was told that it did not matter that the 30 days had gone by, from the last email, and that I would have to submit another email and wait again. 

I feel like this is a very underhanded and deceptive way to keep a fee on my mortgage that I have every justification to have removed. I am told that I can not arrange to have my home value appraised on my own and that Amerihome must arrange it. Yet, I can not get in touch with anyone. 

We are struggling through these times and are making efforts to keep in good standing. We have not missed a single payment nor have we been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: ALLY FINANCIAL 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:
ALLY FINANCIAL is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full. 
- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment On Time CO Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees

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 2021-08-02
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance has given me the most horrible experience. Their company has a history of complaints and unethical practices. Its motto, " We change lives, '' yes they do change your life to XXXX. They have been reporting on my credit for over 5 years now and adding interest I am assuming not sure because the car has been with their company for over 5 years and the interest just started in XXXX. I reached out to them, and they sent me a payment history that is so different than what they are reporting on my credit report. I called and spoke to someone and they told me my account is open when for 4 years my account was closed. How does a closed account become reopened with no merchandise? Credit Acceptance 's loan performance disclosures belie a deeply flawed business model. In XXXX, Michigan thus far in XXXX, nearly one in eight of all available civil lawsuits filed in the city involve Credit Acceptance suing borrowers. They have been untruthful regarding Truth In Lending Act violations due to hidden finance charges. I want this company to " do the right thing ''. Something is wrong with the morals and ethics of this company. People are more than just a profit. Do honest business with clients. Please stop reporting inaccurate and start practicing ethical business with customers.

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 2016-09-21
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Friday, XX/XX/2021, I went to the Chase ATM to deposit a check in the amount of {$4900.00} into my account. I received a message from the ATM stating that Chase will be holding all funds until XX/XX/2021, with no immediate funds to be made available. I was bothered because I am very familiar with Reg CC and thus understand that : 1 ) I should have access to at least {$220.00} from my deposit at that moment.

2 ) I am NOT a new customer. I have been with Chase for at least 10 years ; therefore, a 10 day hold on my deposit is not necessary, nor applicable.

3 ) The check amount was less than {$5000.00}, which means that this does not qualify as a " Large Deposit Hold ''. Furthermore, I have in the past deposited checks that were less than {$5000.00} but over {$1000.00}, and was not given a ridiculous hold time. 

I spoke with Chase and presented these facts. I was told that they could not release the funds because they did not have an image of the check yet in their system. I don't believe this because my receipt from my ATM deposit has an image of the check ; therefore, they have the image too. I also asked why they were placing a customer of over a decade on a 10 day hold to release funds from a check that was less than {$5000.00}, and they could not provide an answer. 

We are now Monday XX/XX/2021, and I still don't have access to my funds. I have bills that were pending payment on that date, and now my credit score and account status are going to be affected by this unnecessary hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The overdraft that is showing on my XXXX from TD Bank is not correct from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!

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 2015-06-10
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment. 

Thank You.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Rent Recovery Solutions
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Rent Recovery Solutions, an invalid debt on my credit repot, was removed due to the inability to verify the debt was accurately mine on the week of the XXXX of XXXX. Upon checking my credit information on XXXX/XXXX/2016, I observed this item was put back on my reports. I did not receive any verification of why this item was placed back on my reports. Also, this item is shown TWICE on my XXXX for the same debt, only the account number was changed and the amount decreased by {$1.00}, which deems this act to be an unlawful practice in an effort to continuously put and keep this fraudulent account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft due to an XXXX  credit breech. This account is unauthorized and fraudulent lease at XXXX at XXXX balance 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 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX acct # 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 permission.

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 2021-08-02
Company: EQUIFAX, INC.
State: IL
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 mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2015-04-19
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
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:
My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.

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 2016-01-12
Company: DISCOVER BANK
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. 

I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. 

I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. 

Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. 

Please help me. Thanks.

Company response to consumer: Closed with explanation