BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I fell behind on my payments when the XXXX car sat in repair shops for almost a year. After getting the car back I was making my payments a few days late after the company threatened to repo my car. I replied to their last text saying payment would been made in 4 days when I got paid. The next day they repossessed my car. My payments were not 90 days consecutive missing. I also noticed that all my payments were going directly to interest and nothing to the principal. I called them and tried to make arrangements but the only arrangements they offered were to make an immediate payment or repo. Now for me to get my car back, not only do they want what my loan amount was behind in total but huge fees and bond for a total of {$2100.00}, when payments were only {$320.00}. If one can't pay {$320.00}, how do they expect one to come up with $ XXXX in 15 days? On top of that, to get the car back is the tow and lot fees, which I have not even bothered to check on. I would still have my car had they simply waited 4 days for payment and payments would have been made monthly as required. I have read many reviews on consumer portfolio services and I am not the only XXXX they have done this to. I also noticed a week later the loan company has done a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: OK
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:
When married, this account ( XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.

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 2020-03-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My wife and I are trying to buy a house and the realtor that we are working with ran our credit today XX/XX/2020 to see what we qualify for but he told me that we would not be able to get a home loan right now because my credit report came back with several negative accounts. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX and US BKPT CT CA XXXX XXXX. I never opened an account with any of these companied nor have I ever filed for bankruptcy. I have never given anyone permission to open an account in my name ; I did not benefit anything from any of these accounts and I did not contribute to any payments made or any purchases. I filed an identity theft report with the federal trade commission as well as a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Closed accounts with Bank Of America on XX/XX/2013. The accounts are more than XXXX years old. BOA is reporting incorrect closing date, phone number and address to XXXX XXXX XXXX. I've called BOA customer service on several occasions in attempt to correct the information but it has yet to be resolved

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 2023-07-12
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX a multiple unauthorized cash withdrawal at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ca XXXX in different amount {$320.00}, {$400.00}, {$380.00}, {$200.00}, {$400.00} all in the same, same location. All this transaction is not mine the debit card was in my possession. As found out about this transaction on XX/XX/2023 I called and reported this transaction to wisely debit account to notify them that there is unauthorized withdrawals on my account. After 3 days they emailed me that there is no error or fraudulent on my account how could that be possibly no fraud occurred when I am not the one whos doing the withdrawals. Ive reported this incident to the police and give them a case number XXXX to prove to them that it was not me who did those withdrawals. I requested to show me their proof of investigation but until now I havent heard them. I am reaching to seek help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Clark County collection agency is garnishing my wages without providing me documents for the debt that is owed. I emailed the collection company asking for proof of debt. I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NJ
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:
I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized three months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$590.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1000.00}. According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 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 2019-01-03
Company: ProCollect, 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:
Procollect this is an egregious display of greed. Here I am on a fixed income and you're trying to collect on a nonexistent fraudulent debt from a apartment complex I have not resided in for over 4 years now. 

Not only is it blatant identity theft. Its unprofessional for procollect to take upon debt collection on behalf of the original creditor without verification or even attempting to contact 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 explanation
Consumer complaint received 2021-07-01
Company: Regional Management Corporation
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I contacted the company : regional finance company of New Mexico and XXXX XXXX XXXX XXXXXXXX, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using shiftsmart I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.

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 2019-05-10
Company: Experian Information Solutions Inc.
State: UT
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 XXXX is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months, I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized three months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.

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 2023-06-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX recently added a XXXX  day late payment to my credit report for an account that has since been closed since XXXX. There hasnt been any late payments to this account and this issue was updated and resolved by XXXX XXXX in XXXX. As of last week, XXXX XXXX card has added a late payment to a closed account for XX/XX/XXXX out of the blue. Im not sure why XXXX XXXX  has added this information because I have credit reports reflecting no late payments from this company and it was paid never late. I dont understand why XXXX XXXX would update a closed account with incorrect information and would like it to be removed as the account was never 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to communicate this matter with to get this account remove from my report in XXXX XXXX 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX  XXXX, self XXXX, performance on my job and my duties as a mother. I also have done an XXXX  report which will be updated along with this complaint. I have been delt with unfairly.

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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 " Capital One '', " XXXX XXXX '' has violated my rights. 

Under 15USC1681 section 602 states I have the right to Privacy 15USC1681 section 604a section II states a consumer reporting agency can not furnish an account with my written instructions Under 15USC1666B states A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage contacted us to refinance our loan with them. 

After the original loan was closed and paid-off in their system, they withdrew {$2200.00} as a payment on the paid-off loan from our bank account. After contacting them, to have this reversed ( since the loan was paid-off ) they have refused to return the funds. 

Twice I provided proof ( bank statement & copy of their own online statement showing receipt of funds that are unapplied ) they withdrew the funds. I have called 5 times over the last 4 days and they are refusing to return the funds stating they are 'looking into it ' but don't have proof they received the funds.

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 2019-08-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. As you can see date it was Last Reported was still XX/XX/XXXX in XXXX, XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX. Date Last Active is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX repectively which make the report inaccurate and a violation. Otherwise I demand immediate deletion of this account from my credit file.

Company response to consumer: Closed with explanation