BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NV
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:
Equifax is letting XXXX report inaccurate information it has been past 30 days with no response from the company and they have failed to take action. The letter was sent certified XX/XX/XXXX and I have not received verification from the company by law this account must be removed. I called today XX/XX/XXXX and spoke to XXXX XXXX and she told me there is nothing I can do and agreed this information should be taken off my report but there was nothing she could do on my end. Equifax is reporting a past due XXXX dollars and has the account as opened as well as the monthly payment being incorrect. It also shows a balance of XXXX dollars when the account is paid. This is my last exhaust to remove this account from my credit profile it has had last effects on my personal life and me being able to move on to the next chapter of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, 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:
BAsically I applied to Equifax for enrollment and monitoring about a week after the announcement because I was one of the breach victims. They said they would get back to me. I tried again on their website and found, rather unbelievably, one had to have a mobile phone to complete the application or one could n't finish it. I gave up my phone because I do n't use it much. So this preclude many people like myself from application. I wrote complaining and received a form reply telling me they would contact me. So I am effectively at risk a month after trying to rectify my situation. There was no option on the site to enter any other data for qualification than the mobile phone number. Equifax does n't really give a XXXX. 

PS The site mentioned in the attached reply is the one I mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I pulled my credit after getting denied for a loan inXX/XX/XXXX, I noticed that there was a collection on my credit that I was not aware of and have never received any information pertaining to this debt or the opportunity to dispute and or validate prior to XX/XX/XXXX. I filed a dispute with all three credit bureaus asking for validation of the debt. On XX/XX/XXXX I received a letter stating that they received a letter of dispute but that the dispute was lacking any specific information to conduct an investigation. I attempted XXXX more times through the credit bureaus and each time it come back validated but no information was giving as to how it was validated as well as what documentation was use to validate this account. On XX/XX/XXXX I sent a letter via certified mail to this company asking for specific information regarding the validity of this account and again I received another letter stating the same information that they received a letter of dispute and was lacking any specific facts when the letter listed asked for specific information. This company has had almost XXXX months to provide me some type of information to validate this debt and has not provided me with anything. Their lack of cooperation is causing a serious hardship to my financial situation and a violation of the Fair Credit Reporting Act. I have attached the letter that have been sent, the one that is addressed to XXXX was sent to the other bureaus addressed accordingly but this is to show what was sent showing that I asked for physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: LEXISNEXIS
State: LA
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:
Several years ago my ex who is currently XXXX XXXX for this used my ID to get a car and he had wrecks and everything in the car. He got tickets and everything because we look alike and he had my ID, he could pass for me basically. He was XXXX for using my identity and XXXX and XXXX XXXX XXXX  where he is in XXXX  today. 

This got it reported to LexisNexis under my name. I got most of the stuff cleared up as you can see by the attached document but LexisNexis states that two claims reported by XXXX were verified. However after I sent XXXX the proof they quickly responded and deleted the claims from name in their system. The weird part though is that they state that while they deleted it from their system they could not delete it from LexisNexis report because they don't have a montly reporting cycle in place. 

After contacting LexisNexis by phone they explained that this was true. I have no clue why that is nor do I care. However the law states that if it is an invalid account it must be deleted from the credit file and LexisNexis last time I checked compiles consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2021 a check was cashed against my account from a mobile deposit. The check is not mine nor do I have anything to do with it. The other person who was supposed to be removed from the account was the one who attempted to cash a {$5000.00} check using a bogus name and fake signature. She was paid {$600.00} of that the check was returned and the bank is trying to hold me responsible. I sent backs a removal form to remove her, because she unfortunately makes bad choices and had bounced a large check against her old XXXX XXXX XXXX account. After discussing my concerns in depth before this happen access should have been blocked. This situation is a threat to my good name and credit and USAA is not disputing this transaction that was done against me. I repeatedly asked for USAA policy regarding scams or fraud and I could not get a straight answer. I am in disbelief that a bank would allow this type of illegal behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is complaint number 4 for the same issue. I am now ready to get the media and an attorney involved on this matter. Chase continues to " lose '' my payments that are coming from a 3rd party payer, XXXX XXXX, due to the fact I am XXXX  XXXX and can not work. The payments are being sent correctly to the right address and are not being applied. I am being charged late fees, which WILL NOT be paid by me. Chase has inconvenienced me tremendously and my health is suffering due to the added stress. If this is not handled for the LAST time, the next time they will hear from the media and my attorney. Due to the Americans with disabilities act, I am not responsible for fees that happen because of something I can not control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft because there is a collection account from a medical company and i have insurance.

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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, I have been a long time card holder of Capital One ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for Capital One. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to Capital One in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with Capital One has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and XXXX updated to remove the 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Credit Karma, LLC
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: Account status incorrect

Complaint:
I have submitted disputes through credit karma directly to XXXX  and XXXX  for the same matter and seems to have affected my credit score. I am currently in Chaoter 13 Bankruptcy and they are reporting I have a delinquent account for the amount of XXXX XXXX I have notified my lawyer as well. Last month my score instantly dropped from a XXXX all the way down to XXXX and other than this account I cant find any information on why this has happed to my score. I have done everything I can to get an answer or help getting this removed being that all of my debts are in with the bankruptcy. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to any hospitalsbut this bill is not mines.
Also this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my info and also on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I CALLED, AND SPOKE WITH THE REPS ON DIFFERENT DAYS NO ONE WOULD HELP ME. SOMEONE SENT ME A PACKAGE TO COMPLETE TO GET THE ITEM REMOVED BUT IT HAS BEEN REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Veros Credit, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car was involved in an accident on XX/XX/2021. As a result, the vehicle was declared a total loss. As part of the insurance settlement, I decided to retain the vehicle as-is. I retained the now-salvaged car and the XXXX paid me the remainder of the said settlement. 
The vehicle had an outstanding balance with the finance company, Veros Credit. 
The insurance company paid off the vehicle and since I retained the vehicle, I logically became the legal owner of the vehicle. 
After fixing the vehicle, I visited DMV for registering the vehicle to my name, but DMV required an Affidavit in Lieu of Title which would prove the release of interest from the Finance company. 
I have been trying to get the Affidavit in Lieu of Title or any other document proving I am in fact the legal owner and can get the car registered. But Veros credit makes it impossible to get the said docs. They keep me in an infinite loop providing contradicting information. They initially said that they have sent the title to the Insurance company. But it later became clear that the address they sent the title to was my old address where I no longer live. Consequently, I have not received the title. They later said they will re-send the document to the insurance company and it is where I can get it from. But on my final call they said an Affidavit in Lieu of Title is an electronically issues document and can not be mailed in actual copy. 

As a result, now I have a vehicle that was paid off by me but the finance company in reality refuses to assist me and release the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-09-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit has been pulled fraudulently. Please remove inquiry

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 2019-04-02
Company: Advanced Collection Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received written notification concerning this debt, which is in direct violation with the Fair credit reporting Act. I was never given the 30 days to dispute the validity of this debt and I would like the creditor to provide strict proof that written notification was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to temporarily unfreeze my credit. Equifax website is not working properly. Trying to do this over the phone is a joke. Way more of a pain than XXXX XXXX and XXXX. 
After asking a ton of questions they still claim they can't confirm my identity. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, XXXX has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, XXXX you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to PRA, LLC. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Webcollex, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course. i only participates in credit transactions for family, personal and household purposes 15 1692a. CKS FINANACIAL violated 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Validation of the debt XXXX an XXXX XXXX pursuant to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: U.S. BANCORP
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX in Wyoming. I reaffirmed my vehicle lease through US Bank, caught up all payments, and have paid on time or early, in full or extra ever since. I have run all three credit reports ( XXXX, XXXX, and XXXX ), and my lease account is not on any of those reports. At all. I am trying to rebuild my credit and need my positive payment history to be reflected. I went to XXXX XXXX so that I could get it refinanced for the sole purpose of getting it to show on my credit reports, with the lease document in hand and the vehicle physically in the parking lot, and was told by XXXX XXXX underwriters that they could not find record of my lease in credit reports so could not complete the refinance application. I have called US Bank several times, was passed around departments and agents ( and finally a pizza restaurant ). At one point one agent said US Bank reported my lease account back in XX/XX/XXXX but all three of my credit reports are more recent than that, and there is nothing from US Bank. I had a representative USPS mail me a complete transaction history/customer statement of account and with that I have proof that I have the account and that my payment history is perfect since 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 2021-05-16
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
under my credit report it is showing that XXXX XXXX is /has been sent to collections. The account has a balance due of XXXX and that is a inaccurate balance. I have disputed it with experian numerous times but they never remove or take anything off my report and they continue to make my score drop lower and lower as time passes by. I am XXXX and has been affected by the covid 19. I have documentation if you need this as formal proof. I have been trying to get the account closed and im not showing this has happened either. This is so sad to be happening to someone in the situation that I am in.

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