BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.

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 2023-04-15
Company: Kashia Services
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$470.00}. Now the company is saying I owe them XXXX  XXXX. They said the repayment would only be {$470.00} + XXXX XXXX in interest. Now they are saying I owe {$2000.00} & my installments are only paying {$2.00} towards the principal every payment. They representative said 1/2 of the {$130.00} payments was the principal & the other half was going to the interest. This was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The companies listed below did not notify me before placing these accounts on my credit report. XXXX, Equifax, and XXXX has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 ordinance of the fair credit reporting act XXXX  account # XXXX, has violating my rights. 
15 USC 1681 section 602 state I have the right to privacy.

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

15 USC 1666b ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IN
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a letter from XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ). 

The letter stated that XXXX XXXX XXXX XXXX is a debt collector and that I owed PayPal {$38.00}. 

I have not responded to this letter as I have NEVER had a PayPal account or used PayPal in any manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX, I was put in a hardship do to my son being in the hospital and I had to be put out of work. In XXXX I asked for my payments to put in deferment due to the hardship. GM said that my loan account could not be deferred due to it being a lease and because of that my late payment is XXXX it caused all the late payments from XX/XX/XXXX to XX/XX/XXXX. I finished the loan agreement in XXXX and returned the property back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: CIG FINANCIAL LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Via certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. CIG Financial is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question.

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

The lender has failed to comply with all attempts to rectify the situation and has continued to harass and threaten to take the vehicle. 

This is a breach of contract and an adverse action for exercising my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Bridgecrest Acceptance Corporation
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:
Bridgecrest refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
PRA is continuing to illegally report monthly on my credit reports as a factoring company. PRA is a 'junk buyer ' and does not qualify as a factoring company. They also have continued to report a balance monthly, as well as reporting as the direct account owner with XXXX. This is a violation of the FCRA, as well as a violation of the terms of their consent order. They continued to contact me illegally as well and have denied this despite offering no proof. They called my father and my work after repeated requests to stop contacting me. They have also continued to claim they have sent me debt validation and information about my account balance, but have failed to provide either. 

It's clear from the below article and consent order that PRA is continuing their predatory practices and their refusal to provide information to me is a direct violation of this. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX   They have also 'soft pulled ' my credit numerous times, in what I assume is an attempt to continue their practices and looking for new ways to contact me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: AR
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 credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I needd you to remove the followinfg items off of my Credit File at the earliest posible time 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 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 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 In Accordance with the Fair Credit reporting Act section 605b, I am requesting that you immediately remove the disputed items oof of my Credit File as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX - Received a text from Chase Bank saying my account had been frauded and I replied YES. Received a call from Chase representative who walked me through how to get my recovered funds, which in turn frauded me out of XXXX through a XXXX feature on the online banking app I use. I had never used XXXX prior ever. I immediately called Chase and then drove to the local branch and reported this. I immediately went and filed a XXXX Police Report ( # XXXX ) As well as an FBI report and a FDIC report ( XXXX ). I have repeatedly called Chase and was just given a letter XX/XX/XXXX that they were not covering the fraudulent charges. A recent ( XX/XX/XXXX ) local news story ( XXXX XXXX : Here 's how to spot it and protect your money | XXXX ) showcased a XXXX XXXX XXXX whom had the SAME thing happen and Chase gave her XXXX back. How can the bank cherry pick who to give money to and who to not give money back to. I am XXXX and should have some protections and not be discriminated against because I am younger than this lady. Chase will not give me information on the receiving bank account and I have no way to recoup my money. I believe this IS and should be covered under Chase policy as well as Schedule XXXX of the XXXX. I tried to stop the transaction while in a " pending '' state and Chase could not stop it, which is not my fault. I contacted them within a minute of the fraud. I did everything a consumer should do to be able to get their money back.

1. How did the fraudulent text know I had a Chase bank account, what my phone number was and what my name was.

2. How did the fraudulent people know how much money I had in the bank to take XXXX. 
3. I believe Chase to be not only responsible but also hiding a data breach of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Altisource Portfolio Solutions, S.à r.l.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has been calling me and all my family members incessantly. I asked them to stop calling family and they told me if I did not make a payment theyd keep calling them. This occurred back in XXXX. Yesterday XX/XX/XXXX they called me and told me if I did not make a specific payment by XX/XX/XXXX theyd turn the debt over to someone else and a charge off would be on my credit report. I told them I could not give them the amount ( {$180.00} ) until Friday XX/XX/XXXX. They told me I should borrow money from a friend or family member or let my bank account go into the negative to make the payment. They are bullies and it is not appropriate for them to be doing and saying things like this.

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 2023-04-16
Company: Carvana Group, LLC
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:
XXXX refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions 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:
I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2023-04-16
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just found out that Shellpoint has been charging me for additional insurance since XXXX XXXX when I had in fact both the required insurance ( HOA and homeowners ). I even submitted a copy of the HOA insurance certificate through the website used by the mortgage servicing company and uploaded my HOA insurance back in XXXX. They ignored my insurance certificate and started billing me for additional insurance until I found out this month. In total I was charged an extra {$480.00} as extra insurance when I was not aware or did not need it. Shellpoint has the contact information for my HOA and could have contacted them directly for verification if needed. They also have the previous certificate with the agent information on it. I provided the copy of the insurance certificate when asked back in XX/XX/XXXX. 
They have been charging me extra, therefore increasing my monthly mortgage payment. This is fraud and unprofessional. It definitely needs to be investigate. 
You will find attached copies of the insurance certificate from HOA and email confirmation from the 3rd party company they requested to have my insurance uploaded to. I also submitted a copy of the letter I received back in XXXX for the same HOA insurance where you can see the 3rd party vendors information website where to send documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23 I was notified by XXXX XXXX that there was a new collection account on my profile. Upon further review, I discovered that the company TRANSWORLD SYSTEMS INC added a collection account in the amount of {$350.00} to my profile. I had no knowledge of this. I never received any communication from this company prior to this and I never had an opportunity to pay the debt or dispute it. I called the company directly to inquire about this, I asked what mailing address and email address they had on file for me and both were incorrect. In my opinion, they made no attempt to verify their information before placing a collection account on my profile unfairly. Had I known about the debt, I would have paid it before it negatively impacted my credit. The company offered me no solace for this. I expressed my concern and asked if they would remove it from my credit report since I paid it in full and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: LA
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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