BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-15
Company: AC AutoPay LLC, Denver, CO Branch
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I was approved for a car refinance loan through an Auto Pay lender. I worked with an agent- XXXX XXXX and had the documents notarized and sent the following Monday, XX/XX/XXXX. XXXX called me on XXXX and noted I missed a signature on one of the pages, then noted I needed additional documents. I told him to send me something in writing so that I could get him the documents. I never received an email listing the documents so I followed up with him the next week and was ignored. On XX/XX/XXXX he texted me and said he sent the email but I responded I never received an email and tried to verify my email address. I was ignored again. On XX/XX/XXXX I wrote the company and email asking for a new agent as the loan process has been delayed due to unresponsiveness. A new agent called me on XXXX and said I would have to start the process all over again and would require another hard credit inquiry. 

I declined applying AGAIN since I did not want another hard inquiry and I don't trust this company. I am concerned my data may have been used inappropriately or stolen. The company refused to give me anything in writing and would only call me to apologize.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac mortgage company sent me a transfer letter saying that I would have a new mortgage servicer and that they would no longer process my payments at did the XXXX of XX/XX/2019. So I sent a payment to my new servicer but PennyMac still went into my account and took another payment and says they have no report of it. Even though they talk to the bank to prove that they took the payment out they still say they have no record of the payment being taken out. My account number with the mortgage companies XXXX XXXX. I have forwarded copies well my bank transaction a copy of the money order I sent to XXXX the new service center

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One Auto is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. The past due balance should be XXXX. Also I notified capital one of the inconsistent payment reporting history of this account. XXXX, XXXX and XXXX of XXXX are both reporting 30 days late and which is incorrect. Its impossible to report 30 days late for two months in a row. It should say 30, 60, days late. This is false and inaccurate information.Please remove this account. Due to the FCRA, this is a violation. This debt keeps coming back verified but theres so many inaccuracies that its impossible for that this debt has been verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I tired to log online and it told me my account has been locked so I went to the bank to try and pull out money and the teller told me I can not pull out money and to call this number so I called CHASE bank and they told me I received a deposit back in XXXX and they want proof of the deposit. They will be closing my account and holding my funds until I get proof and if I dont get proof they will keep my money. They havent sent me any letters in the mail nor called me they sent me a notification online witch I cant get to because they locked my account the only information Im getting is if I call and the information is different every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: HI
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:
In previous responses ( XXXX, XXXX ), the company ( XXXX XXXX XXXX ) did not provide me with the requested documents. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2019-02-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2015, I went to BestBuy during tax free weekend to purchase a laptop for college. At checkout, I was offered a BestBuy credit card and was told there would be no minimal payment for the first 12 months by the casher who signed me sign up for the card. I signed up and purchased my laptop through the card because it was a no brainer. Since I was going to college, being able to pay for the laptop overtime later on was helpful at that time. I moved to XXXX XXXX to go to college soon after. I did not receive any mailed statements from BestBuy while at XXXX XXXX because they were being mailed to my old address. It was not until I noticed a huge drop in my credit score that I looked into the problem and discovered it was the BestBuy/citibank credit card reporting that I had not made any minimal payments. I immediately called BestBuy explained what I was told by the cashier at their store when I signed up for the card. All the lady did was take off one month 's late payment. I went ahead and paid in full and closed the account. However, they are still reporting 60 days of " delinquency '' in my credit history which is affecting my credit reports and score. It has almost been four years since this happened and I have called BestBuy to try to resolve this with them several times. I have also filed multiple disputes through the credit bureaus but none have been successful.

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 2021-06-12
Company: EQUIFAX, INC.
State: CT
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:
My FICO scored dropped from XXXX to XXXX ( XXXX  ) and from XXXX to XXXX ( Equifax ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
in XXXX of XXXX I purchased a XXXX XXXX XXXX, at the time they sold me an extended warranty which the contract said I can always cancel and get a refund if I don't make any claims against it. 
I made several larger payments on the account and asked to have them applied to the principal. 
on XX/XX/XXXX I requested to cancel the extended warranty. I received an email from the dealer that said : " Also, I just need to be sure that you are aware that if there is still a lienholder on the vehicle, the refund goes to them directly and not to the customer. The refund amount is applied to the principle of the loan. '' I contacted them via email a few times and mentioned that it was not applied to the principal. I received this email on XX/XX/XXXX : " Ms. XXXX, Thank you for your reply. 
We can confirm that warranty refunds are paid in the form of a check and are applied directly to your principal balance '' It still didn't look right and I emailed a few times more. at first because they did not refund the full amount. In XXXX of XXXX they refunded an additional amount but still did not apply it correctly. 
the entire time they showed that I do not owe payments. Now, I XXXX of XXXX after I emailed again, they called me and said they made a mistake and if they reverse it, the account will be past due and I will have to make up the past due amount and they are willing to give me 3 months (! ). i've been asking them for years to correct it and now they ask me to catch up in 3 months. In addition to that, they added late fees to my account. I do have all statements that show no amount due. I was never late and had they applied it correctly, I would have made certain that I make payments in time!! in addition to that the car has a mechanical issue that they are refusing to fix and we can't use the car!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I accidentally paid my XXXX bill  from my American First Credit Union checking account instead of my usual checking account. I did not have funds in the American First Credit Union checking account to cover the amount I sent to XXXX, so I got an overdraft fee ( I am fine with the fee ), and XXXX sent the payment back to American First Credit Union. ( See document ) American First Credit Union can not accept the payment reversal from XXXX even though XXXX has sent back the money to American First Credit Union. Basically, I am not only out the overdraft fee but also the amount I paid to XXXX, the amount XXXX sent back to the American First Credit Union, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They repeatedly call, leaving a message for " XXXX XXXX '' or something. This is not me and I have no option to stop them calling cos it's a robocall. I XXXX  number and it tells me it's from ProCollect ( not mentioned in spam ).

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 2023-11-15
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
as a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

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 non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance Owed : {$1000.00} Medical XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2020-02-06
Company: Franklin Collection Service, Inc.
State: TX
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 contacted Franklin Collection regarding an account that they claim that I owe them for an alleged debt in the amount {$1500.00} for a company they represent by the name of XXXX XXXX XXXX. I know for a fact I have never had any dealings with Franklin Collection nor the company that they represent. I have asked Franklin Collection to provide some type of competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them or the original alleged creditor. However Franklin Collection has failed to provide this information.I have continued to do my own investigation and have found that I am a victim of identity theft and this account is a result of identity theft. However due to Franklin Collection ignoring my request to validate and verify this account I think they do know this as well and proceeded to report this fraudulent account onto my credit file anyway. In accordance with the Fair Debt Collection Practices Act, I am asking Franklin Collection to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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 your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified that I had an opportunity to dispute this debt. This has been added to my credit report and they haven't even sent me a notice validating the alleged debt -- This company is in clear violation of the credit collection laws -- also they never even stated if they can collect in my state, and they have never even confirmed that the statute of limitations have run out for this debt According to FDCPA codes ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: MI
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:
Yes experian is not giving me a fair credit report dealing with my score. I know my credit score should be much higher than they are reporting. I ask for a fair credit score and to fix that report on there with XXXX XXXX XXXX I told them if they can't provide my I.P address it need to be removed immediately haven't nothing been done and my credit score with them is not right and I deserve a fair 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 2023-11-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief