BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX  XXXX  with Equifax and they replied saying the account was verified. Who did Equifax verify with? because I have messages from XXXX XXXX XXXX  through the XXXX  AND CFPB stating that the account is closed in their office. Equifax is not furnish 100 % accurate information and its making me upset that they continue to break the law! ATTACHED ARE SUPPORTING DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased the vehicle in XX/XX/2016 for {$21000.00} from Consumer Portfolio Services. I have since paid a little over $ 15k and all has gone to interest only and NOTHING to my principle. I have what they call a simple interest loan at 20.45 %. I believe VA " Usery Law '' states interest is max 8  % on most vehicles. I contacted the company and they said I am compounding interest daily at {$13.00}. At this rate I will never pay off this vehicle or be able to trade it in. I currently owe almost $ 25k. Is there anything I can do about this? I am currently 62 days past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: PA
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 and XXXX  XXXX  Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2018-11-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with bayview loan servicing i submitted a complete package my income and financial situation has improved and i would like save my home, my loan application was denied by bayview because it wasn't in there best interest to modify my loan because my property is upside down, this is the reason I`am seeking a loan modification after hearing this i did some research and discover several things that were wrong with my loan, first off the company that originated the loan was located out of the State of California the transaction and process of my loan was completely done over the phone, i didn't receive disclosures regarding loan, documents to read and understand the loan, nor did have any options for any other types of loan products, nor was there a right to rescind the loan included in the documents, but the biggest issue of all was the Truth in lending stated one rate of interest and the mortgage note stated another rate also the first mortgage statement had yet another rate of interest which governs the payments and loan balances. now bayview is stating that i owe a certain amount and i believe its a different amount which is the heart of the matter and why bayview loan servicing has denied my loan for modification, this was a bad loan from the start and i know that there are many federal laws that have been violated by the lender of this subprime loan, so a federal lawsuit is also a option on the table,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Southern Auto Finance Co
State: FL
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 this creditor SAFCO ACCOUNT  # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my 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 a 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I the creditor been sending mail out to the debtors address of JPMorgan Chase & Co. to settle debt. I've sent out mail to them XXXX XXXX, XX/XX/2022 and also XX/XX/2022 but still have not received a response or settlement towards the account. My Security Note of instrument was illegally converted into cash. The note was monetized where I'm not receiving the proceeds nor does the proceeds go towards the balance of my mortgage. The debtor is acting within fraudulent securities. They are the debtors in possession under XXXX XXXX guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my 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 an 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Bank Check to buyout lease with Volkswagen Credit was sent XXXX..called numerous times to check status of title being sent and no reasonable explanation is given other than it resides w their vendor. I requested the vendor name and contact information and they would not release this information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3rd request plaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX, XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX Bankruptcy : XXXX XXXX- Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX  LA XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX  XXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX  XXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XXXX  XX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you

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 2021-06-28
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 recently sent a letter to XXXX, XXXX, and Experian, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-03-24
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

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 2023-03-24
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Spire Recovery Solutions is calling my place of employment talking about my debt with my office management. Spire Recovery Solutions have called several times after being told they will not provide information about employees. It has become an embarrassing situation for me. It makes me feel uncomfortable being around employees that heard about this company trying to get a hold of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my privacy

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 2018-10-03
Company: Global Recovery Group
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny XXXX XXXX was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is Global Recovery. I am still not 100 % convinced it isnt a scam as the XXXX I was given does not pull up any Credit Recovery company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: PA
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:
Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXX account number XXXX. 

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 agency can not furnish a 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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen. I got a letter from XXXX. I have no knowledge of a capital one credit card account, XXXX XXXX  and XXXX XXXX  credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Federal Financial Services Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Federal Financial is reporting a {$10000.00} debt on my credit report that was resolved some time ago. Since they are unable to verify this debt, nor report accurate information on my credit report, this account should not be there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.

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 2018-10-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On-Site Manager c/o XXXX ran a credit inquiry without my consent. I reported it to Equifax and XXXX about the fraud, none of the two companies are willing to do anything nor can they supply proof that my identity was not stolen. XXXX has given up in helping and they are the ones that ran my credit. The address they used for the credit inquiry was also closed, so my information is being misused. I am requesting CFPB to send an inquiry about this. There are also other customers complaining about the same issue with them online, I would like to get some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: MRS BPO, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, branded as XXXX, wrongfully sent the collection of debt, for equipment that was confirmed received by XXXX. 

Evidence of XXXX confirming receipt attached. 

Debt collection sent to MRS Associates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation