BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2020-11-14
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAVALRY PORTFOLIO SERVIC mysteriously added a negative account to my credit report. I monitor my report carefully. They date of the negative debt was during a time that I was traveling and I have not opened any accounts or new credit cards this year. They never appeared on my credit report until a few days ago claiming I was late on making payments. I believe they must have gotten my information when I applied for a car. It crashed my score by 50 points and now I have to pay almost an extra 100.00/month because of the information they placed on my credit report. 

I never did business with them nor do I have any missing accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: CA
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 account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
At the time I leased the car, I took out two insurance policies offered by Toyota Financing through the dealer XXXX XXXX. One was for maintenance and the other was titled " XXXX XXXX '' which was supposed to cover things like windshield chips, dirty carpets, dents in the car etc. Two weeks before the car was supposed to be turned in ( XX/XX/XXXX ), I went to the dealer to see what was covered by the insurance and what wasn't. They had me come back the following week ( XX/XX/XXXX ) to see " the guy '' an outside contractor, to inspect it. He read the insurance coverage and said I was good to go. I turned the car in the following week, XX/XX/XXXX. No I am getting calls from Toyota Financial saying that I owe {$850.00} for excessive wear and tear. I asked what it meant and they couldn't tell me. I went to the dealer and showed them my policy and asked them what it meant and they said " excessive wear and tear ''. No further explanation. I went to the XXXX site and the " excessive Wear and Tear Policy '' The only damage to the car was a chip in the windshield and a minor ding in the back bumper. These were pointed out to the " guy '' who looked at the policy and said it was " good to go ''. 
Additionally, they never honored the maintenance policy saying every time I went that the service being done " wasn't covered ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: PAID IN FULL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never heard of this company, nor have I had any communication with this company. Last I heard was, I was up to date with my XXXX account. I havent done business with them in years. And now I have this collection from another company on my credit report. I want this off my credit report. This is ridiculous. I know nothing about this account nor why it is reporting.

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 2018-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim on a transaction for {$87.00} with the bank. After filing the claim I was given provisional credit, however the bank is not willing to waive the fees associated. There's {$70.00} worth of overdraft fees that are causing financial distress. 

The bank claims that they're going to deny the claim because it's outside of XXXX 's guidelines, however they're unable to quote specifically which guidelines and why they're unable to waive the fees.

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 2019-03-30
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 my credit card was compromised by a unauthorized user of Paypal. I have included the credit card number used below. Two charger were made on XX/XX/2019 for {$600.00} and {$720.00}. I contacted Paypal customer service department located in the XXXX on XX/XX/XXXX and XX/XX/XXXX to let them know about the fraudulent transactions. They have refunded my {$600.00} but not the {$720.00}. I am demanding that the remainder of my funds in the amount of {$720.00} is returned to me immediately. 

Credit Card Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.

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 2018-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX SOL Inquiry Date- XX/XX/XXXX And asked them to provide proof of these unknown inquiries, which they did not. 

Also this company XXXX XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Ran my credit two times which left two hard credit inquiries on my credit. I only approved one. It is unethical for a company to be granted permission ONCE and continue inquire on a different day with out my permission. 

After being ignored by these companies I reached out to Equifax XX/XX/XXXX to have the incorrect information removed from my credit report. 
Equifax has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Equifax received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX 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 2018-11-08
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, California XXXX I sent a letter for debt validation of the underlying deficiency. 
They sent statements with the wrong address and no proof legal notice of repossession or resale of vehicle. 
It it reporting erroneous information on my credit report. 
I will like this matter resolved it had been almost 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
company calls repeatedly in regards to debt. 
Debt collectors speak to me in a very hostile manner. 
Have asked company to stop calling on several occasions. 
Call 5-6 times daily. 
Company has threatened to sue me and garnish wages. 
Refused to send info. or answer questions regarding debt. 
Debt collector states that they dont need to notify me when account is sold.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took a loan out with Affirm on XX/XX/2021. It was for merchandise from XXXX. The item was supposedly delivered but was mailed to someone else. I opened a dispute with Affirm so we could go after XXXX for the refund. I was supposed to be contacted by Affirm and never was. 

I got the issue resolved on my own and the money was refunded back to Affirm on XX/XX/2021. Affirm refuses to take the dispute status off and therefore the customer service team can not apply the refund and pay off the loan. I have called 9 times since XXXX to get this resolved. Customer service keeps telling me they have escalated the issue yet no one calls back. I have also emailed multiple times and never received a response. This needs pulled off of my credit report and resolved immediately as I owe them nothing on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX-18 my lease with XXXX XXXX was closed as a result of XXXX doing a buy back on my car because of mechanical issues. The account was paid off by XXXX when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from XXXX showing I have a {$0.00} payment and 0 payments left on my account. I called XXXX approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, XXXX reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with XXXX and have not recieved a response. I also contacted Experian who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX and household finance co .owner of this company deed is XXXX XXXX XXXX XXXX ga ..deed filed 1998. 
. 
XXXX XXXX owner of property and company Also attached is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL .XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga Other companies own by XXXX XXXX XXXX XXXX .all address in this text and company are own and co own by Mr XXXX I have a administratior and attorney on this estate Mr XXXX is deceased her name is XXXX XXXX XXXX # XXXX # XXXX .she has alert me that the XXXX heirs are hide .all this information from her and me and refuse too give too her the information .she need which are the deed to the company s and bank account etc .which is now pass due. 


Start with XXXX XXXX and XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Started a Certificate of Deposit with XXXX XXXX on XX/XX/XXXX in the amount of {$10000.00} at 5.12 interest for the life of the Certificate. We held this Certificate till needed. In XX/XX/XXXX we went to cash the Certificate at Wells Fargo Bank in XXXX, Georgia that had taken over the Certificate through a series of mergers. XXXXXX/XX/XXXXXXXX  had merged with Wachovia Bank who was eventually bought by Wells Fargo. 

Wells Fargo says they did a search and could not find any record of the Certificate as they destroy all records after 7 years and they would not honor the Certificate, even though I possessed the original Certificate of Deposit and the XXXX Redemption Certificate and Time Deposit Deposit Agreement, all of which prove the Certificate was never cashed. If it was cashed they would have taken the Certificate of Deposit and Redemption Certificate as they did with other Certificates I cashed in previous years. 

I went to the next level at Wells Fargo and was denied again as well as being denied by their Resolution Team. 

My efforts with Wells Fargo went from XX/XX/XXXX till XX/XX/XXXX whereas I searched for an attorney to take the case, but, there were no takers. No one handled this type of case In XX/XX/XXXX my daughter took a shot at recovery and got all the same denial answers. 

With interest applied to the Certificate, I estimate the amount owed me is about {$25000.00}.

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.

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 2018-08-27
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:
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: LEXISNEXIS
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In early XXXX of 2021, my insurance company, XXXX informed me my home insurance rate would be increasing by nearly {$400.00} because credit information provided by XXXX determined that information they had gathered negatively impacted my XXXX XXXX. 

I was astounded since I have always paid bills on time, paid cash for everything except XXXX houses and have no debt. I could only conclude this was a case of misinformation or identity theft. In my 47 years with XXXX, I have never received such a notice. 

I immediately wrote Lexis /Nexis on XX/XX/2021 at the address XXXX provided, along with a reference number provided by XXXX XXXX I mailed the letter return receipt requested. The letter was received by Lexis nexus on XX/XX/2021. There was no response to my request for my report. 

On XX/XX/2021, I wrote lexis/ nexis again, requesting a credit report .This was also mailed with a return receipt requested. Records indicate lexis /nexis received this request on XX/XX/2021. Again I received no response. 

This time I also copied XXXX with my second request and included a cover letter explaining why I thought the credit report was inaccurate, and that XXXX had 47 years of me as a client to determine whether I paid my bills on time, had suffered adverse effects due to bankruptcy etc., since they also handle my bank accounts, as well as other insurance needs. This was also sent with a return receipt requested. 

I also requested that XXXX contact me in writing with their response, because I wanted a record for my files and also because I wear XXXX  XXXX and phone calls mean a lapsed time connection where I live.This letter was also sent with a return receipt request. 

On XX/XX/XXXX, person named XXXX from XXXX contacted me by phone ( never mind my request accommodating my XXXX ). After a discussion, he filed a digital request for my credit report on a XXXX portal and told me lexis/nexis would send my report in 5 to 7 business days. I have still not received the report. I can not address any credit issues without this report and continue to be impacted financially with higher insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
ON XX/XX/2018 I TOOK OUT A PAY DAY LOAN FOR $XXXX FROM NET CREDIT. NetCredit Attn: XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX Phone: (XXXX) XXXX Email: XXXX   Fax: (XXXX) XXXX   XXXX THEY ALSO HAVE AN ADDRESS AT XXXX XXXX XXXX, XXXX, TX 75063 AND PHONE NUMBER XXXX. I WAS UNABLE TO MAKE THE PAYMENTS BECAUSE NET CREDIT WAS ADDING OUTRAGEOUS FEES AND INTEREST TO EACH PAYMENT.  I WAS UNAWARE OF THEIR PROCESS.  

AS A RESULT, MY INITIAL AMOUNT THAT I OWE OF $XXXX HAS SKYROCKETED TO $XXXX AND GOES UP AND UP EVERY MONTH.  IT WILL REACH A POINT WHERE IT COULD GO OVER $50,000+

IN ORDER TO GET HELP I ENROLLED IN A DEBT RELIEF PROGRAM WITH XXXX XXXX.  NET CREDIT HAS REFUSED TO ACCEPT A PAYMENT OFFER OF THE ORIGINAL $XXXX; INSTEAD, THEY ARE BASING THEIR SETTLEMENT NEGOTIATIONS ON THE $XXXX.

NET CREDIT IS SO MUCH LIKE A LOAN SHARK.  THEY DON'T EVEN CARE THAT FINANCES HAVE BEEN AFFECTED BY COVID19 AND PAYMENTS OF MORE THAN $400 A MONTH ARE NOT DOABLE.  THEY DON'T CARE!  THEY WILL JUST ALLOW THE DEBT TO BALLOON TO AN OBSCENE AMOUNT.

THIS CANNOT BE FAIR.  AND, I DON'T UNDERSTAND HOW THIS CAN BE LEGAL.

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
On XX/XX/XXXX I traded in my Nissan Rogue to XXXX XXXX, I received a call today that I am delinquent on my payments for my Nissan Rogue. I made it clear that according to XXXX, the payoff was send on XX/XX/XXXX. After mentioning this on the phone to Nissan, the caller acknowledged that yes in fact they were in reception of the payoff check but that they sent it back. The Nissan Rogue is currently up for sale through XXXX, and we are currently driving our XXXX  vehicle. Nissan then threatened that the vehicle was under my name and that I was ultimately responsible.

Company response to consumer: Closed with explanation