BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists

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 2021-01-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX  but it is still showing on my Experian and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.

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 2019-03-02
Company: EQUIFAX, INC.
State: NC
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 recently received a copy of my credit report and my birth year is incorrect I tried to dispute with Equifax but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I'm currently leasing a vehicle from Nissan Motors in CT and this lease ends on XX/XX/2021. I called Nissan and advised I needed a buyout amount on my current lease as I was leasing a new vehicle XXXX  XXXX XXXX that was not a Nissan vehicle. They provided me with the buyout amount. However, when the 3rd party XXXX dealership called to confirm and process the buyout as XXXX would be taking possession of the Nissan as a buyout, Nissan advised that there policy has changed and that they are no longer accepting buyout 's from a non Nissan dealership. 
I am now stuck with the re-stocking fee and all other wear and tear items that will arise at any normal end of lease experience and I lose the equity in the vehicle that the XXXX dealership offered me. 
I called the Nissan dealership I bought the vehicle from, as well as Nissan corporate / customer service and complained to anyone who would listen but I kept receiving the same answer which was that I don't own the vehicle and that the company had changed their policy and there wasn't anything I could do unless I wanted to get another Nissan vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: TX
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 the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX Inquiry Date : XX/XX/XXXX 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 2017-08-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX my bill for account SYNCB/AMAZON PLCC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-11-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date over 45 days later I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these inquires be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: GA
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'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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Someone has used my personal info to obtain a credit card and or get a vehicle loan.

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 2020-10-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is continuing to block my attempt to payoff a court ordered judgement. They have blocked my number & XXXX in the legal dept is avoiding contact with me. I contacted Hunter Warfield on Wednesday XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. The Fair Debt Collection Practices Act ( FDCPA ) prohibits the addition of any interest, services fees, collection costs or other expenses incidental to the original debt unless it is expressly authorized by the agreement creating the debt I have expressed to XXXX XXXX that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgment that XXXX received against me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, Precinct 4, place 2. Hunter Warfield is in violation of the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm lost for words, I went through a financial hardship but made good on this account with Capital One reporting XXXX and paid it. To date it is still listed on my credit file as I owe which is inaccurate and untrue. I have called, called, called and still no one cares. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Idaho Housing And Finance Association
State: TX
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 am super frustrated. I submitted a complaint last month to CFPB and the situation has worsened. I purchase a home with a conventional loan through XXXX XXXX company who then sold the loan to Home Loan Servicing out of Idaho. Who doesn't seem to work within FCRA guidelines. I inquired about the forbearance program for my first mortgage back in XXXX but, continued to make my payments, I have requested they remove the remarks regarding it is in forbearance so I can refinance the mortgage, see attached, My major issue I need help with is I purchased the home using down payment assistance which I signed paperwork acknowledging it was to be recorded as a lien but, signed no paperwork regarding it ever be reported to the credit bureaus. See attached. Adding insult to injury is it says it is currently being reported in forbearance. This is not acceptable. I ask they be forced to comply with FCRA and the signed agreement between us. There are no payments due, ever on this loan. Look, I never agreed to just give anyone free reign to report just whatever they want on my credit. This down payment assistance needs to be FORGIVEN and me be COMPENSATED for the damage to my credit rating. I went to XXXX website and NO refinance is allowed with reference to a forbearance. For reference here is their definition used. " A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' There are NO contractual monthly payments on this silent second. I am at my wits end, I bought this home right after college, I know what I signed but, am powerless to enforce FCRA rules on a giant corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had been a XXXX XXXX customer for over 10 years with a scheduled automatic payment plan set. Therefore never missing a payment. Once XXXX XXXX XXXX purchased XXXX XXXX they begin taking the automatic payments and applying it all to their account. I will upload the log that shows I tried numerous times to resolve the issue with both XXXX XXXX XXXX and XXXX XXXX. Both acknowledged that I was correct but stated it was the others company responsibility to take corrective action. After going back and forth with them I decided to close the account. I do not owe this amount. My Internet service was only {$39.00} a month. Besides it is impossible for that bill to be {$670.00} when that portion was only {$39.00} monthly. And the bill was current when I closed the account. I am caught in the middle of two giants. Both sides kept stating that they will look into this matter and concluding that I was right yet it always resulted back to them pointing the finger at the other for having the responsibility to correct how the funds were allocated. And each month I was flagged as being past due. I tried to get this removed from my credit report but was unsuccessful. Credence Resource Manage refuses to delete it. I am contacting CFPB for help to get this removed from my credit report. I am a responsible Veteran who is also a responsible consumer. I upload sheets of paper that I maintained customer service reps names, dates, and outcomes. It shows how I was repeatedly hang up on and lied to saying they will fix it but never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: MONEY SOURCE, INC., THE
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This VA loan originated with XXXX XXXX XXXX. 
Closing date ; XX/XX/2020 Disbursement date ; XX/XX/2020 1st payment date ; XX/XX/2020 Notice of servicing transfer to The Money Source on XX/XX/2020 noting that the transfer does not affect any of the terms or conditions of the original agreement. 
First statement account information includes my account number, property address, principal balance, maturity date, interest rate and escrow balance of {$1000.00}. 
XX/XX/2020 payment due $ XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XX/XX/2020 SAME XX/XX/2020 SAME XX/XX/2020 SAME Found out escrow account debited on XX/XX/2020 for {$770.00} for a homeowners insurance policy that I payed in full for on XX/XX/2020. This was verified on 3-way phone conversation with myself, Customer service rep. and XXXX  XXXX  rep. 
XX/XX/2020 mailed pymt {$780.00} Found out escrow account disbursed {$660.00} on XX/XX/2020 without any explanation of who it went to, why, or any reason for this debit. It simply shows on my statement under transaction activity. 
XX/XX/2020 Mailed payment {$840.00} because I could'nt talk to any representative or supervisor to explain all these discrepencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My name is XXXX XXXX and I am sincerely asking for your assistance in this matter. My Wife XXXX had used a Capitol One Credit Card in XXXX and I had just lost my job after 36 years and she was not working. It was an extremely hard time for me and my family. 
We had to pay rent, buy food and support our family. In XXXX we received notice of garnislhier her salary at her new job. 
Capitol one notified the Sheriff office in XXXX XXXX NY and issued an income execution ( Sheriff file XXXX ) ( Court Index XXXX ) We were contacted and asked how much we can pay. I informed them {$100.00} a month. My Wife has been sending $ XXXX from that point on and never missed a payment. She has paid {$8400.00} to the Sheriff. The Notice we just received from the Sheriff office stated she still owes {$46000.00}. How is this possible on a credit card that less than {$10000.00} originally owed. This is all interest????? How is this allowed.. 


I need assistance in this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Problem with personal statement of dispute

Complaint:
I have been challenging a few accounts listed on my credit report with XXXX, XXXX, and Equifax for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and XXXX that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form Equifax at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I realize I was the victim of identity thief. 
Later I found a charge on one of my credit cards from XXXX and I can not find that charge on my account I had called and they said also they couldnt see that charge and I gave them the card number and it turned out to be it was off of my ex fiancs I found that Had been using my credit cards without my authorization I did make FTC Report I also made a police report multiple times Ive called synchrony they asked for me to send in the reports I sent FTC, police report a. Exparte and or US postal change your residence her name to my address for fax dates I sent XXXX XXXX XXXX XXXX XXXX .XX/XX/XXXX Ive callMultiple times I get hung up on I get transferred I get left on hold Basically they said that because packages were coming to the house that wasnt fraudulent thats why I showed them the change of address I work late dont come home till about XXXX or XXXX XXXX XXXXXXXX had to livered packages between the hours of XXXX to XXXX XXXX I get emails from them letters my XXXX XXXX had set them off on my account but Im still getting bills for it. XXXX 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