BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NY
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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX. XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: ENOVA INTERNATIONAL, INC.
State: VA
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:
Upon reviewing my credit reports in XX/XX/2021, I found an account from NC Financial ( at some point the agency began reporting the same account under Net Credit and NC Financial ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: NJ
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:
We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On or about XX/XX/2023 Chime closed my accounts. They said the account was closed because of suspicious loads ( deposits ). The only deposit was my regular paycheck. I understand that a lot of fraud occurs with banking and although my direct deposit is always from XXXX I understood that they had to be thorough in checking the legitimate deposits. I sent the documents to support that the deposit was legitimate and I gave them time to resolve the issue. I called back in XXXX and inquired about the funds. I was told that the balance of my account in excess of {$1700.00} would be mailed to me. I gave it more time and called back in XXXX. They requested proof of address, paystub, ss card, and state identification, I provided all that information again. In total I sent the same documents at least 5 times. After sending the information requested I received an email stating my account was ineligible for a refund. I recently spoke with a representative about this matter who again asked me to provide supporting documents and I did. He personally reviewed them and told me that he could see no reason for not reopening the account. I assumed the matter was resolved and attempted to log into the account to which I still do not have access. I called again and got the same run around. I did some online research and discovered that Chime has been notorious for closing accounts for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I sent a cashier check to toyota financial on XXXX via us postal service using certified mail in the amount of {$10000.00} to po box XXXX, XXXX XXXX iowa XXXX. As of XX/XX/20 they have not process the cashier check and it is worrisome. They are providing me with different turnaround timeframes from XXXX business day to XXXX business and even XXXX business days. I submitted a complaint with them with reference number XXXX with operator ID # XXXX. 
I am attempting to pay off car loan right after they cash the cashier check of {$10000.00} ( principal payment only ) but unable to pay the remaining balance until they cash the {$10000.00}. In addition, daily interest is adding daily which. 

I want to ask Toyota financial to cancel off any additional daily interest from the date of XXXX present because my personal bank will be making a final payment on the remaining balance after the {$10000.00} is process. 

thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Barkley Bank Delaware refused to accept my claim of identity fraud and the fact I had proof the account was opened fraudulently by someone 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 explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2021-12-20
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a pre-paid XXXX phone ... ..NO CONTRACT and NO AUTHORIZATION to auto-deduct payments from my checking account. XXXX was the XXXX number assigned to my device. Again, this was a PRE-PAID cell service. I had paid PRIOR to every month using my debit card. After a while, I noticed on my bank statement that XXXX was illegally auto-deducting money from my account WITHOUT my knowledge or approval. In addition, the amount that XXXX began illegally auto-deducting from my checking account was significantly more than the advertised, quoted, agreed upon monthly pre-paid payment. After noticing, I tried several times to cancel my service via the XXXX app. The app was not working correctly, so I called XXXX and spoke with a lady ( XXXX representative ) about my unfortunate experience. I was very upset and made it clear that I would no longer use XXXX because of the illegal auto-deductions and overcharges. I made it very clear that I wanted a refund for the overcharges, my Sprint account ( phone number ) to be closed immediately, and the illegal auto-deductions to STOP. Per our conversation, she agreed to close my account ( phone number ) immediately, but couldn't authorize a refund for the overcharges. She then stated that another XXXX representative would call me within a few days to talk about the 'refund ' part of my request/statement. I never received that call. I did however notice that XXXX stopped making the illegal auto-deduction withdrawals from my checking account. Unfortunately, many months later, I discovered via XXXX XXXX that XXXX sent my account ( phone # ) to collections with a bogus balance. I do not believe I'm the only victim.

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 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Dispute of Inaccurate Credit Information - Reference to Federal Laws and FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information that appears on my credit report, as furnished by the credit reporting agencies. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and referencing federal laws that pertain to my credit information. I kindly request that the Consumer Financial Protection Bureau investigate, intervene, and delete all information that is not 100 % accurate per consumer law on my credit report as soon as possible. 

Additionally, I previously submitted complaints to the CFPB ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting deletion of all inaccurate information and monetary compensation for each violation in accordance with the FCRA, other Federal Laws and regulations. 

The specific inaccuracies I am disputing pertain to the following charged-off accounts, which have been reported on my credit report : XXXX XXXX XXXX XXXX XXXX charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged off XXXX. XXXX # XXXX charged off XXXXXXXX XXXX XXXX XXXX XXXX charged off XXXX. XXXX XXXX XXXX XXXXXXXX charged off XXXX. XXXX XXXX XXXX # XXXX charged off XXXX. XXXX XXXX XXXX XXXX charged off XXXX. XXXX XXXX # XXXX charged off I dispute the accuracy of these charged-off accounts, as well as the reporting of income information on my consumer report, which is in direct violation of my rights and has caused serious harm to me and my family. 
Furthermore, I am seeking monetary relief of {$1000.00} per violation for the following dating back to XX/XX/XXXX to present : 1. Defamation of Character.

2. Negligent Infliction of Emotional Distress.

3. Violations of 15 U.S.C 1666 ( b ).

4. Violations of 15 U.S.C 1681.

I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies promptly investigate these matters and delete the inaccuracies on my credit report. Please provide guidance and assistance to ensure that my rights under the FCRA are protected and that I receive the monetary relief to which I am entitled. 

In accordance with the FCRA, I expect a thorough and timely investigation into these disputes, and I request that the Consumer Financial Protection Bureau work towards a resolution of these issues. Attached is my consumer report for you review. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home loan through XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shortly after closing, the loan was sold to Nationstar. 

Nationstar must purchase these loans, but not assume responsibility for the legal closing documents associated with said loan. 

Per my original closing documents, handled by XXXX XXXX XXXX, my LTV was scheduled to reach XXXX % on XXXX/XXXX/XXXX, and as stated, gave me the right to request PMI cancellation. I reached out to Nationstar, only to be told that I must submit a signed document, enabling them to perform an appraisal ( at my expense ), before POSSIBLY cancelling the PMI. The cost of the appraisal was more than the PMI accrual between XXXX and XXXX %, so after sending a signed request to cancel PMI ( not the form they have on file, giving them permission to appraise property ), I decided not to pursue this further until I reached XXXX % LTV. 
According to this same closing document, I 've reached XXXX % LTV on XXXX/XXXX/XXXX. Upon speaking with Nationstar, they state I am only at XXXX %, but not eligible for automatic cancellation until I reach XXXX %. 
This directly conflicts with both my closing documentation, and the Homeowners Protection Act of XX/XX/XXXX, both stating automatic removal of PMI once reaching XXXX %. 

This is taking a considerable amount of my time, and I 'm not overly confident that Nationstar will comply with my request, stating they have a right to continue charging PMI until XXXX % LTV is reached. 

Your assistance is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a new vehicle. I was connected to their one of their sales reps, XXXX, who showed me around and was very kind. I was very clear with her and everyone I encountered that I had recently retired from the XXXX. 

After choosing the vehicle I liked, I negotiated with the manager, XXXX, who I also told about my military status. We agreed on the pricing and away I went to sign all the documents. I was sent to the finance rep, XXXX, to finish off the deal. I told him I recently retired from the XXXX and on my reqest for credit paperwork, it says what I currently do and my military status. 

I signed everything, financed some of the vehicle with Honda Financial ( their in-house lender ), and left to go have dinner. When I got home, I pulled out the paperwork to review it and make sure everything was good to go. Well, everything was not okay. I found a {$490.00} error XXXX made so I immediately called him to tell him. He denied the mistake and told me everything was right. It wasnt until I told him my wife and I both have MBAs that he started to really look at the numbers and then said oh yes, there is a mistake, but just come in and I can fix it. 

So i go in the next day at XXXX in the morning to meet the director of finance for our meeting and of course, he can not meet with me for whatever reason. I was taken care of by another finance rep who was nice and saw the error immediately. Resigned the paperwork and off I go. About a week or so later, Honda Financial sends me an e-mail with instructions to set up my account. 

As I looked around their website, I found a special deal for Active and Retired Military that provides a {$500.00} discount which NOBODY at the dealership mentioned. I called Honda Financial and they gave me the go around saying they can not apply this discount to the loan. I called Honda and they told me I had signed a contract and that there is nothing they can do. I called XXXX XXXX XXXX XXXX, where I purchased the vehicle and they said nothing could be done since they were already paid for the vehicle and they really dont care what happens afterwards. 

This is the reason I am filing this complaint- seems like they dont care about Military personne and are providing advertisements to lure people in but in the end, they dont deliver. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX 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, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please stop the Default / foreclosure process as my property is currently in default, and Nationstar Mortgage told me in a phone call on XXXX/XXXX/XXXX, that the foreclosure process shall begin on XXXX XXXX, XXXX. 
Please investigate XXXX ( XXXX ) separate matters : 1 ) Please investigate the criminal misconduct of Nationstar employees and their affiliates whom illegally intercepted and forged XXXX ( XXXX ) XXXX money orders which I mailed by certified mail, earmarked for my XXXX XXXX payment. Understanding the unsavory reputation of Nationstar Mortgage, I made copies of these money orders BEFORE I mailed them to Nationstar Mortgage, via certified mail. As a result, I retained the serial numbers of these money orders and was able to order copies of the 'processed 'money orders from XXXX showing these money orders had been altered /forged illegally and 'cashed ' for the personal benefit my Nationstar employees and their affiliates. Nationstar Mortgage has NOT provided a refund for these money orders, which were used for the personal benefit of Nationstar Employees and their affiliates, at my expense nor as Nationstar Mortgage provided me with a credit toward a future mortgage payment. Please provide an update regarding the investigation, as well, regarding the police report submitted on XXXX/XXXX/XXXX. 


2 ) Nationstar Mortgage deliberately omitted a 'principle reduction /debt forgiveness incentive clause ' totaling {$330000.00} ( {$110000.00} per year over the first 3 years of the loan ) from the loan modification agreement, that was explicitly stated on my Trial Payment Letter. 

3 ) Nationstar Mortgage is attempting to foreclose on my home by mismanaging federal funds from a federal program operated by the State of California, ironically called " Keep Your Home California '' ( KYHC ). In this regard, {$100000.00} from this federal program was wire to Nationstar Mortgage on my behalf, and posted to my account on XXXX XXXX, XXXX. Nationstar Mortgage provided explicit authorization for me to utilize these funds for future mortgage payments via email. To be clear, my last mortgage payment from my personal funds was made to Nationstar Mortgage in XXXX XXXX, as Nationstar Mortgage was made the payments from XXXX XXXX though XXXX XXXX, utilizing the federal funds from XXXX 

This agreement is well documented. To be very clear, written authorization was provided both via email from Nationstar Mortgage and reflected in Nationstar Mortgage Statements. I am told that Nationstar has applied a portion of these federal funds to the months of XXXX XXXX through XXXX XXXX, but is now refusing to apply any additional federal funds toward additional future payments. 

Nationstar Mortgage told me in a phone conversation on XXXX/XXXX/XXXX that I still owe mortgage payments for XXXX XXXX, XXXX XXXX and XXXX XXXX, such that on XXXX XXXX, XXXX, the foreclosure process shall begin for my home.

Company response to consumer: Closed with explanation