BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-27
Company: Experian Information Solutions 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:
An accordance with the fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX bank ss, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXXXXXX XXXX  Acct # XXXX, has violated rights. 

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 account without my written instructions.

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 2019-07-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company only made one attempt to notify me about this debt over the phone about 2 months ago. I have yet to receive anything in writing from either them or the primary company that was handling this account which is an apartment complex I moved from last year due to poor/ lack of management. The apartment complex never sent me a final move out statement even after I made multiple attempts to get that information. I even went down in person twice and spoke to a manager who has yet to return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Hilco Receivables LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
As of XX/XX/XXXX XXXX XXXX also USA Discounters refuses to terminate my account and refund overpayments since XXXX, they are keeping my account open and taking payments for over 7 years. This company 's location in XXXX Maryland has closed-file bankruptcy and working under new name. XXXX is responsible for managing the direct deposits and tranfering funds with additional fees on old outdated yet active accounts. 

I reporting that XXXX as fraudulently accepted deposits in overages of {$7000.00} if not more. The XXXX implied that there is no contact information for USA Discounters Nor XXXX XXXX only account information, and deatiled information for me ( social Security and Date of birth. 
I want this investigated for fruad. and money owe to me all refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately :

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX bank opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXX services opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right 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 then records of convictions of crime 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2017-07-06
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-27
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-11-15
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a request to Experian on XX/XX/XXXX, asking that agency to investigate errors that appeared on my credit report. They are supposed to respond within 30 days, but I have not yet received any correspondence from Experian.

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 2017-07-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
JP Morgan Chase bank, buys it 's customers credit report sin order to sell them loan rates, and justifies doing so by using the information on those publicly available reports as " security questions '' on your accounts. It makes them unsecure, and when presented with my displeasure, they basically told me they could not set up alternate security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my property in 2005 at the cost of {$130000.00}. Since then, I have been having modifications with the servicer. Since ever, my loan balance stood on {$120000.00} after all these years. When I confronted them, I was told that by balance increased due to surcharges, late payments, litigation fees, modifications fees, inspection fees and others. I asked them why did they include all as my loan balance and continue charging interests on the balance. They failed to answer this questions. I know, that the period of modifications should be treated with caution and other late payments. I asked them to consider removing other surcharges during the time of renovating the property. Please I want my loan account to be reviewed professionally. PHH mortgage servicing is my mortgage from OCWEN. I am confused and saddened over the balance I see on my mortgage after 16 years. Please help me on how to reduce my loan balance. 

Yes, I bought the house at the cost of {$130000.00} plus {$20000.00} down payment, but the down payment didn't reflect on my mortgage balance. It could have been {$110000.00}. But the second XXXX is being paid {$20000.00}. I was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I recently moved to Florida and was told by Toyota Financial services that to purchase my leased vehicle I would need to complete the transaction with a dealership. I visited XXXX XXXX in XXXX, FL and was told that I would need to pay a vehicle inspection fee of {$200.00} and a dealer fee of {$1000.00} plus tax, tags, and title in addition to whatever my lease buyout with Toyota Financial Services is. I was also told that I can not use my own financial company for the payoff. None of these fees are mentioned in my lease agreement with Toyota Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2020-02-21
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Avant Credit Corporation
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX/ {$6000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They lowered my credit limit on 2 cards. I am in the process of managing my debit to credit used. By reducing the original approved credit amounts with an existing balance it reports negatively on the credit report. I am in the process of applying for a mortgage and this contributed to a lower credit score. Creditors should not be allowed to reduce your original credit limit on your CBR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have applied for a Capital One credit card and approved on XX/XX/2020.  I didnt get my card within the timeframe given to me, so I requested for a replacement card. I had 2 different calls at this time, requesting for it to be sent to my new address and requesting to expedite shipping as I am about to leave for a vacation. They told me thats not possible, even though my original card was not received within the time frame given. They also tried to downplay the situation, saying it can take longer than the time frame given. I patiently waited for them to deliver the new card, but finally decided to call in XX/XX/2020 to report that I still do not have the replacement card. I know they said that it can take longer than expected, but a month seems excessive. The representative then told me that he will expedite shipping for me ( originally not possible when I called a month before ). 
XXXX attempted delivery today and said they couldnt get in my apartment complex. They said I can pick it up at a XXXX location. I requested to pick it up at a different location, but was told that Capital One placed a hold on that option, so I would have to request Capital One to lift the hold so I can pick it up at the location of my choice. I called Capital One and spoke to an agent who said that picking it up at another location would not be secured. I asked to speak with a supervisor, who made a conference call with XXXX. We were both told that the sender would need to lift the restrictions for me to pick up my card at a different XXXX location. XXXX ( Capital One supervisor ) told me that she will place me on hold and when she returned on the line, told me theres nothing that they can do about it because their agreement with XXXX is just to deliver it at the address sent. She was with me on the line when XXXX said that the sender needs to lift the restrictions. I clarified with her that what shes saying is that once the card is sent, they do not have anything to do with it anymore. She replied, yes. 
Im not asking for my package to be sent to a new address. Just picked up at a different XXXX location. Their incompetence and unwillingness to assist me have made the situation much more frustrating. It shouldnt take over a month to receive a credit card and customers should never feel like we are on our own once the card has left their hands. This is a corporation that I should be able to trust with my business and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I obtained a copy of my credit report through Transunion and the following phony account is being reported by Capital One Bank on my credit report. I never opened this account with Capital One Bank and when I called them to get it fixed all they did was run me around in a circle but did nothing to correct the problem. Also they have a fake phone number on here for me. My phone number has never been ( XXXX ) XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Balance : {$0.00} Date Updated : XX/XX/2020 High Balance : {$0.00} Credit Limit : {$1000.00} Pay Status : Current Account Terms : Paid Monthl The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief