BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been attempting to have my issue resolved with Loan-care since XXXX XXXX XXXX They have been extremely difficult to work with and lie about investigating and fixing the issues with my mortgage account. i have called numerous times just about 30 or more attempts explaining where they have my information mixed and yet they still continue to report that i am passed due 2 months. I was originally set to come out of my forbearance in XX/XX/2022 i payed that month like i was told to do so. Due to some issues with underwriting and at no fault of mine Loan-care then gave me a new date for me to come out forbearance and that was XX/XX/2022 and again i paid that month as instructed. In XXXX i called to make my monthly payment and was informed by the representative that XXXX was already covered due to my payment in XX/XX/2022. He informed me that i did not have to make a payment at that time and the next due date was XX/XX/2022. From XX/XX/2022 to now i have paid my mortgage every single month and have even submitted my bank statements to loan-care. They continue to harass me with phone calls twice a day and have even sent Foreclosure documents to my home. Now they have ruined my Credit Score with the false reporting i am behind {$3000.00} dollars or two months delinquent. When i call There is not 1 representative that can resolve my problem even though they see where the mix up is. I have not received any help and they continuously try to harass me for the 2 months they are stating i missed. My life has been in shambles because of this i cant apply for credit lines to help my business or my personal life overall my credit and its reputation have been ruined i had 100 % on time payments my whole life beginning in XXXX. I speak with Loan Care every single month atleast 2-3 times have done so since XX/XX/2022 and no one has helped me. I have spoken with Loss mitigation and Supervisors countless times and yet they still havent resolved my issue. I am not behind on my mortgage and i work hard in order to pay it every month. I even contacted XXXX XXXX XXXX XXXXl and signed up for someone to help me. They contacted loan care and was giving the same run around they have given me for months. Please help me get my credit back in its good standing and for loancare to finally resolve this issue

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 2023-03-22
Company: Experian Information Solutions Inc.
State: DC
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:
I sent a letter on XX/XX/2023,. Its been over a month you I have to receive any update from you.

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 2023-03-22
Company: EQUIFAX, INC.
State: NC
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX 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 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 item 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Eastern Account Systems of Connecticut, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: OH
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:
On XXXX XXXX and XXXX XXXX I placed a call to Equifax and XXXX Consumer Solutions. I informed them that it is inaccurate names, addresses, phone numbers, and employers information being wrongfully reported without my consent nor to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Early Warning Services, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a case number with XXXX XXXX XXXX. XXXX  owes me for zelle money the was fraudulent taken from my account. They wanted me to handle zelle but zelle tells me the want to speak to the bank and the bank tells me to talk to zelle. Its just back and forth. XXXX  has never tried to help me. Zelle or the bank owes me XXXX. This money was sent to people I dont know. Ive sent them all my information with the people that the money was sent to. I had know control of my account when the fraud hit me. I just want this fixed. Between zelle and the XXXX XXXX I feel all my money is stolen from companies that should be helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX - XXXX Account name : XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item 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 explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
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: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-03-23
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My phone was taken without my permission and used to XXXX XXXX money to 2 people over 66 transactions of $ XXXX {$150.00} sent continuously to these two individuals that I have never done transactions with prior. I did not give anybody authorization to use my card or my phone I was unaware of transaction being made because I didn't have a phone. I don't know who is responsible for making these charges I reported the charges and when I submitted the to the bank the ftc identity report the bank decided the end their relationship with me before the 10 day investigation passes so they don't have to provide me a provisional credit. I also experienced a system error and they sent the wrong person my money with their pay anyone even if they are not on chime it says you can send money to anyone by entering their phone number. I entered my son 's phone number and I sent him {$300.00} for his birthday I made sure the info I entered correctly hit send while my son was with me he never received the money and chime sent it to some man 's chime account and never notified my son of the money. I then requested the money back from this man appearing in my recently sent contacta I requested the {$300.00} and for some reason my son received a text message saying I requested {$300.00} from him to my chime account. I was told that I have to track this man down to get my money back when I am not the one who sent him any money I sent money to my son 's phone number a phone number I pay for. It is not my fault they redirected the money to somebody else 's account. They also would not provide me any contact information for this man to try and get my money that they wrongly sent to the wrong receipent. I find it all conviennt that they want to cancel my account before the 11th day when they are legally responsible to issue a provisional credit to my account for the unauthorized activity that should have thrown red flags and never should have been authorized. I want my money that was sent to this stranger returned to me or send to the correct phone number that I entered when sending and I want a provisional credit for the 66 unauthorized transactions that I am currently disputing before they shut down my account because I am protected from unauthorized purchases and that is my right by law. They can't close my account to prevent from issuing these provisional credits after I provided them with the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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 reporting credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account numberXXXX XXXX XXXX XXXX : account number-XXXX XXXXXXXX XXXX  XXXX : account number-XXXX XXXX XXXX XXXX : account numberXXXX 15 USC 1681 section 602A states i have a right to privacy. 

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) 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 convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681s- ( 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 explanation
Consumer complaint received 2023-03-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted LVNV Funding by mail four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed this account because I was unaware that I owed any money to the original company. I was also not contacted by LVNV Funding. The only way I found out about the debt was when I applied for a home loan and they informed me that I had a collection for LVNV Funding. After, I immediately sent a letter to LVNV Funding requesting for verification since I had no knowledge of the account, and had never been contacted regarding the account. 

Since I sent the letters, I have not received any verification, or information, on the account from LVNV Funding. This has prevented my approval for a home loan for awhile now. This is extremely upsetting considering the interest rate increases in the meantime. I would like immediate removal from my credit report of this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a lease contract for $ XXXX on a XXXX XXXX XXXX which matures on XX/XX/XXXX. Midway through the lease contract, my payment suddenly changed. I called Toyota Financial Services on multiple occasions and no one could explain to me the reason for the increase. The monthly bill is not itemized, nor did I receive any written correspondence that there was a change in the contract terms. After multiple phone calls, I stated to TFS that I refused to pay the increase and would continue making payments as originally contracted. Since the lease is about to mature on XX/XX/XXXX I reviewed my account because I decided I would like to extend the lease while I determine the best transportation option for my growing family. I am a working XXXX  and a XXXX  and I depend on my vehicle. I always pay my bills on time. Upon contacting Toyota Financial Services on XX/XX/XXXX I was told that I was ineligible to extend the lease, and that my account had a past due amount of {$89.00}. I was told this past due amount disqualifies me from extending my lease. I again asked for an explanation for why the payment had changed and this time was told it was due to a change in sales tax. I was not notified of a change in sales tax nor does the monthly statement reflect any changes in tax. Additionally TFS could not explain what tax rate was being used to calculate the payment and when it changed. My understanding is this " past due '' amount has been reported negatively against my credit report. I am outraged that Toyota can not answer my questions or provide documentation to support a change in payment, tarnished my credit, and unfairly restricted my options at lease end. I was old I could contact the credit dispute department at TFS by U.S. mail and my lease would still mature on the planned date. This unfair and deceptive practice by Toyota needs to be investigated and this company needs to be held accountable for violating the terms of my lease contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX, I arranged with Exeter Finance to volutarily repossess my vehicle. I signed their form to formalize the repossession process and submitted it to Exeter Finance on XX/XX/XXXX. From that date forward, Exeter representatives called my phone non-stop trying to get me back on my payment plan. I told them I was waiting for their vendor to pick up my vehicle so it could be taken to auction as per their policy. Exeter representatives continued to call me relentlessly until I asked them to remove me from their dialer system until my vehicle had gone through auction. Once I asked them to stop calling my cell phone, they began calling my previous place of employment and have continued calling almost daily or even multiple times per day. They have called third parties not associated with my loan trying to reach me. They have continued with full collection efforts even though they haven't even taken the car to auction to date. They have not acted in any way in good faith to follow their own procedures and are harassing and threatening me with their ongoing, illegitimate collection actions. I have never refused to pay off my loan I am simply waiting for the car to go to auction so they can apply whatever it sells for towards my balance. They continue to charge compounding interest on their already super high interest loan. They apply every payment made in an interest-first manner that never allows the principal amount of the loan to go down. They are predatory and have a collections-first mindset.

Company response to consumer: Closed with explanation