BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Byrider Franchising, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Short summary of what previously happened was that I setup scheduled payment arrangements for XX/XX/2023 to make my account current. Payments where processed on that date without any problems. Agents from cnac began to call me a couple days after the payments where made harassing me about a XXXX XXXX  balance on my account. I asked where did the XXXX XXXX balance come from. They informed me that they processed a payment for XXXX cents instead of the XXXX payment. I asked why was it processed this way. The agent I spoke with wasn't able to inform me of what happen or why it happened. I asked to speak with manager for explanation and the agent informed me that I was unable to because the senior account manager was busy. I then asked for a copy of all my payments I had made from the start of my loan until now. The agent stated that the computer system was down and he would email me a copy later. He then kept making efforts for me to pay the XXXX XXXX. I informed him that I would not do that being that I wasn't the cause for the balance. When my payment was processed there was not insufficient funds and payment went through. Also that I would being paying a processing fee and a late fee for something that I should not have to pay for. He then asked to put out on my next payment which would make the balance more being that it would accrue to being even later. I told him not to process anything on my account until I could speak with the senior account manager. He then said that I had the option to dispute the matter of paying the once cent. I told him I would like to do that. I asked for documentation of the dispute and he informed me that it takes XXXX hrs to process etc so call back then. Before the XXXX passed I received another phone call from a different agent in regards to my balance being XXXX XXXX and would I like to process it. I informed the agent that the matter was already taken care. He replied that it wasn't and what he could do for me is put the XXXX XXXX  balance on my next payment and waive the late fee etc. I then asked to speak with the account manager again because I had yet to receive any paperwork as far as my payment history or the dispute. The agent informed that I could not speak with the manager and that they would send me my payment history but the dispute was never put in. I have the dates and times of the phone calls which their calls are recorded on their end of all the conversations etc. My payment history shows that I have paid them more than what's on the contract and way more than what the car is even worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
An ex-boyfriend of mine in XXXX knew all of my information ( since, don, address ... etc ) he got a payday loan in XXXX, XXXX. and I being held accountable for his actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Source Receivables Management dtd XX/XX/2023, enclosed with statements with my name, but not my address, with a phone number, but not mine. I asked them to provide me with a contract of the original debt, and they provided me with some statements and typed my name out. I am not aware of this bill and I tried to reach out to them and they refused to take this off my credit. 

This is presenting a hardship for me as I need to have my credit in a position to maintain gainful employment. I need this to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Informative Research
State: TX
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:
Didnt authorize credit pull only asked for rough numbers and did not authorize dealership rep

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Carter-Young, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX In XXXX of XXXX  I was looking for an off campus apartment  at of XXXX XXXX. I applied and was told I dont qualify for an apartment but could with a co-signer and can move in after getting one. I asked my father to co-sign but unfortunately he was unable to be a co-signer because he had filed a XXXX XXXX bankruptcy that had not yet matured to the 7 years and I informed them that I will be unable to get a good co-signer. They harassed me that I would have to move in or else find someone to move in my place. I told them thats not possible since I dont have a guarantor who would be approved and went on to look at another complex that approved me called XXXX XXXX. I signed my lease and stayed with campus housing for 2 years and renewed lease. Im around XXXX I received a letter and notification that I owe XXXX XXXX XXXX dollars, a full years lease for living there. I disputed it to the credit called XXXX XXXX and was told they are under new management and dont have any documentation of me ever Livng there to call the credit company saying I owe and asked. I called XXXX  XXXX  in XXXX and they said they cant give me information beside the amount I owe and to who to set up a payment plan and if I need further information to call XXXX XXXX. I called XXXX XXXX  and same with you around, no evidence of me Livng there call them again. I consulted a lawyer and they said filing a complaint is the best I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF ED/XXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATIONXXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

After you remove these items, please send me an updated copy of my credit report via mail.

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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In my previous complaint Capital one responded that everything was verified accurate and complete but how if the date they stated the account was charged off was XX/XX/XXXX but the fall off date is XX/XX/XXXX see attached screenshots. 
They said the account was open in XX/XX/XXXX but why does the balance history starts from XXXX? Where is XXXX XXXX and XXXX. It is like that because you have all the information jacked up and won't correct it .You are on notice that you are reporting inaccurate information and violating my rights under the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF EDXXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATION/XXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 

After you remove these items, please send me an updated copy of my credit report via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Regional Management Corporation
State: AL
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:
XXXX is reporting a charge off account on my consumer report and it a fraud account. I have already sent a police report to XXXX to let them know that it is fraudulent from the company regional finance llc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
WORST CASE OF PHH MORTGAGE/OCWEN FRAUD The year XX/XX/XXXX was the 30th year of my 30 year mortgage. For many years prior, PHH/Ocwen did nothing but commit one fraudulent act after another against me. Fed up with their fraud, I was finally able to refinance my mortgage and get it out of the hands of PHH/Ocwen. 

In XX/XX/XXXX, I purchased my home for {$46000.00} and after nearly 30 years of mortgage payments my loan payoff was a staggering {$40000.00}! Nearly 30 years of payments and all I got credit for was {$5800.00}! After the refinance was completed, PHH/Ocwen sent me a check for {$5.00}! 

PHH/Ocwen committed such crimes as changing my loan type without my knowledge/consent, placing my payments in a suspense account rather than posting payments directly, failed to pay down principal, always claimed I owed more money ( never submitted me any proof ), placed me on several forbearance plans and even though I never missed a payment, the amount they claimed I owed always increased, and fees - all kinds of ridiculous fees that amounted into the thousands of dollars! When PHH/Ocwen fraudulently changed my loan type from a FHA, they began to charge fees. When my loan was a FHA, I was protected from fees. 

Several attempts for help was made, but PHH/Ocwen never responded to my attorney 's qualified written requests. Nor would they specifically address any questions pertaining to why my mortgage payments were being placed in a suspense account and other discrepancies. They would just send a letter claiming I was always behind in my payments. 

I have no idea where my 30 years of payments went or whose pocket ( s ) it went into. This company has no right to be in business. They are nothing but thieves! Hell won't be a surprise for them. 

( Documents are available for your review. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: DISCOVER BANK
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:
ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX DISCOVER BANK Account XXXX Company Name : Discover XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
It has been well past 30 days since you have contacted this credit reporting company and they have the information to back up my claim a fraud but yet the information exist on my credit report and I am still unable to get into my retirement home due to the collections and negative information still reporting that is 100 % fraud. I have tried over and over again to contact them the originator and the collection agency and all except for this credit reporting agency has closed out the file and remove the information. Equifax And XXXX continues to carry this harmful information on my file. XXXX XXXX has requested removal now over 2 months and Equifax still keeps this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This is a multiple request to remove these unathorized inquiries from my Equifax and XXXX credit report... 

EQUIFAX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief