BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: LOBEL FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My father and I tried to purchase a car from a dealership called XXXX XXXX in XXXX, FL. I had to get a loan through a bank to help with the purchase of a car and the guy from the dealership told me that I got accepted for a monthly payment of {$380.00}. My father was living closer by the dealership at the time. So he went there to make all of those payments such as the down payment and whatever other fees that needed to be taken care of. I was in Kansas at the time so when it was time to sign the contracts it had to be done by mail. The guy from the dealership sent me the links through email to print out and sign to send it back. I never got anything reported to my credit account until XXXX month later when the dealership received it. By the time the contract reached the bank and my first actual statement came in that was when I realized that something was wrong. I contacted the bank and asked them to send a copy of the contract they received from the dealership. When I received it I noticed it was a completely different contract with a completely different price and the dealership forged my signature on that new contract. I have tried to report it to both companies the dealership and bank, XXXX months have passed and no one is doing anything about it. I contacted the bank to see if there was anything they can do to help and they said all they can do is file a report and go from there. The bank i am financing through is called Lobel Financial. They still forced me to make those payments by threatening to repossess my car. So in order to make sure that doesnt happen I made those payments for the car. After I made my first actual payment they decided to report to my credit account as a delinquent account literally the day after i made the payment. A couple days later i pay the rest of the amount that was owed on the account. And the day after i completely pay off what I owe they decided to repossess my car with no warning. On XX/XX/2023 when I made the first payment it was over the phone with the bank and the guy I was on the phone with told me that they canceled the repossession and that I had until XX/XX/XXXX to pay the rest before they go and try to repossess the car. Then 4 days later on XXXX XXXX I paid the rest that I owed. I got both confirmation emails from both payments saying how they were approved. Then on XX/XX/XXXX around XXXX they repossess my car with no warning and no reason why. I tried calling them but they do not pick up the phone. Now I have to wait all weekend to contact the bank since they are closed on the weekends and try to get my car back. I have text messages, receipts, and statements to prove all of this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 XXXX XXXX and myself XXXX XXXX submitted an Assumption Loan Application with PennyMac which is my daughter 's Mortgage Company. My daughter is no longer going to marry the other half owner. Thus, I am was in the process of assuming the ex-fiance part of the existing loan. 
Today, XX/XX/2023, Wednesday at XXXXXXXX XXXX we were denied the Assumption Loan. XXXX XXXX from Pennymac informed us that we were denied the Assumption Loan because our debt ration was at XXXX XXXX. The required assumption debt/ratio is XXXX XXXX. When I asked show me the numbers exactly how that XXXX XXXX debt ratio was arrived to no avail, XXXX XXXX said he could not give me the numbers nor the procedure as to how the XXXX XXXX debt ratio was arrived. 
I asked for Pennymac to send me in writing how they arrived at the XXXX XXXX ratio. 
XXXX and I were approved for a {$420000.00} loan just XXXX weeks prior with another Mortgage Company. Our debt/ration was a XXXX XXXX At an interest rate of 6 %. PennyMac 's decision seems biased based on the fact that my daughter is financially in better standing since her and her exfiance purchased the condo. I am in excellent standing with a credit score of XXXX, my daughter 's credit score is XXXX. The headquarters to PennyMac Assumption Department phone number is XXXX XXXX XXXX XXXX is the Supervisor that I talked to on Monday after nobody would answer several phone calls and emails. XXXX XXXX 's email is : XXXX Please assist my daughter and I on identifying why were denied an Assumption Loan with numbers used to calculate our Debt/ratio. Lastly, I feel we're being discriminated against to due to our gender and XXXX  surname!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.

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 2022-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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 been an a victim of Identity Theft for a few years now. Fair Collections & Outsourcing XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted Fair Collections & Outsourcing XXXX XXXX/ and the Original Creditor and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the XXXX and FTC! This is unacceptable!

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 2023-08-17
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 a new collection was added to my credit report by Consumer Adjustment Company Inc. for {$400.00}. They claim that I opened the account in XXXX, 2023. 

They did not attempt to contact me prior to reporting it. I have no knowledge of this debt. I disputed it XXXX week ago with the credit bureau but they claim it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Spring Oaks Capital, LLC
State: OH
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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: CA
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:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account :

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 2023-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a paycheck ( {$1800.00} ) and went to deposit it at the Chase ATM on XX/XX/23. I got an error message saying the check couldnt be processed, but the ATM never returned my check, nor did I receive a receipt. I went to inside the branch to speak to the teller to grab my check from the machine, but apparently they dont have the clearance to just open the ATM machine. They gave me a customer support number to call to file a claim. I called customer support I gave them all the information and they told me to wait 2 weeks for them to investigate. I had told my employer about the situation and they tell me the check has already been cleared and funds debited from their account, and deducted from their account. I even faxed a screenshot of the transaction from my employers side XXXX XXXX  XXXX XXXX ), that the funds had been taken from their account, even though according to my employer XXXX says the check is pending transaction. 

Fast forward 2 weeks, I call customer support and they tell me the check is not found, so they cant return my funds. Someone on the Chase side processed my check and has my money hostage. They closed my case and said there is nothing they can do to help me. I went into the Chase branch today to follow up. The representative mentioned that they are going to escalate the matter to another department. The did not mention how long the process would take. My employer also filed a claim on the XXXX  side. XXXX said they will investigate, but the process could take up to 90 days. I cant sit around 90 days to potentially be told the same thing today and not have my funds reflected on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate 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 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months. 

( 4 ) Capital 1 ( 5 ) Bank of America ( 5 ) Regions

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 2023-06-11
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:
ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX EXPERIAN XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} 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 2022-12-03
Company: EQUIFAX, INC.
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account unde.. ) open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, And according to the FRCA 15 USC 1681everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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: Information belongs to someone else

Complaint:
Identity Thief XXXX XXXX XXXX XXXX XX/XX/2021 {$6300.00}, XXXX XXXX XX/XX/2021 {$510.00} XXXX XXXX XX/XX/2021 {$1300.00} XXXX XXXX XX/XX/2021 {$770.00}

Company response to consumer: Closed with explanation