BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 2019-09-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have been a client with American Honda finance for many years, I extended my lease to which I had auto pay set up for payments. I was never informed that they would be stopping to pull out the monthly payments. Because of this I incurred twice late payments since they stopped pulling out the payments twice once in XX/XX/2019 and XX/XX/2019. This has really negatively impacted me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2020, I filed a dispute with the TransUnion credit bureau about two unverified accounts XXXX  XXXX Account # XXXX and XXXX  XXXX Account XXXX XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to XXXX  as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!

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 2019-08-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
By this means I request to be removed some accounts that are getting confused in my credit reports, I have never lived in the United States and in spite of the efforts I have made since XX/XX/2018 have not yet been removed. The accounts of XXXX / XXXX  # XXXX and XXXX # XXXX confused in my report are reporting recent backlogs which make it impossible and this is affecting my credit. 

I request the removal of variations of names mixed in my reports such as XXXX XXXX XXXX, addresses of the United States and Jobs that do not belong to me XXXX XXXX XXXX There are some positive accounts as they do not belong to me and they are still reprinting in my reports that I request to be removed, 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 I request to be corrected and do not confuse again information of other people in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Who subscribes XXXX XXXX XXXX XXXX hereby file a formal complaint against Capio Partners , LLC, who try to charge me the amount of {$940.00} for a XXXX   XXXX  of XXXX  with XXXX XXXX, which was ordered by my primary physician XXXX XXXX XXXX. XXXX. dated XX/XX/XXXX and I was practiced at the XXXX XXXX and XXXX XXXX in the city of XXXX. But whose results were never received by me or my doctor.. On XX/XX/XXXX I went to my primary doctor, XXXX XXXX XXXX XXXX XXXX. For presenting a strong pain in the XXXX area on the XXXX XXXX, on that occasion I underwent several XXXX  XXXX  by which the origin of the pain could not be determined. In view of the pain continuing my primary doctor, he ordered the XXXX XXXX   of the XXXX  with XXXX XXXX which I practiced in the following days at the XXXX XXXX, where I had to pay approximately {$200.00} of co payment to be able to practice the exam. The test was performed, but neither my doctor nor my person NEVER RECEIVED THE RESULTS OF SCAN On three occasions I went to XXXX XXXX to ask for the report of that study to be delivered to me and they never gave me an answer. My primary physician also called by phone and they said they were going to fax the results but this was never done. My doctor and I never knew the results of that study. 
After a few months I started to receive at my residence in the city of XXXX, some invoices associated with that study, demanding payment of XXXX dollars for carrying out the aforementioned medical study, which I never benefited from since we never got the results. Similarly, I must point out that they charged part of that amount to my health insurance. 
In the face of this attempt to collect money, I contacted the collection department of XXXX XXXX and told them MY REFUSAL TO PAY because the results of the scan were never delivered to my doctor or to my person. 
I now receive an invoice for the same item issued by Capio Partners , LLC. Account # XXXX. Before this attempt of collection I must say that I WILL NOT PAY since I was never benefited by the practice of this medical examination. On the contrary, they charged as much to the insurance company as to my person an amount of money for a study of which we never knew any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( on behalf of Avio Credit ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with Avio Credit in XXXX of XXXX, and subsequently worked out a payment plan with Avio Credit and XXXX XXXX in XXXX of XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( XXXX XXXX claimed to have sent letters but I have received no such letters from XXXX XXXX ). 

A year later, XXXX XXXX charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted Avio Credit on XX/XX/XXXX, and was told that they had placed the account with XXXX XXXX and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at XXXX XXXX, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, Avio Credit and XXXX XXXX essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that XXXX XXXX did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: United Revenue Corporation
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 have a loan with UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX.Called company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.

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 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX and Transunion are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consolidated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT 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 2022-07-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Forever 21 credit card is a scam first they make it hard for you to log in into your account so it hard to see you payments, when calling about the issue for logging in they couldnt reset my password, so that created late payments. I explained this to them repeatedly I can not get into my account, they did not work with me to fix this issue. That way when its time to pay you have a bigger bill and they dont send you statements, they send you a email saying log into your account to see the statement, how can I do that if I cant log in. For this reason I paid it off and closed it with impression Im finally done with this scam, no three months later I get XXXX bill in the mail, and no one in that facility can tell me why. They repeatedly hang up in my face, and dont send a email or dont get a call back. No trace there was a conversation, they are still on my credit report saying I owe them money and I have late payments and its inaccurate. This credit card is a scam and I dont recommend it to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: TRANSWORLD SYSTEMS INC
State: TN
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:
XXXX XXXX XXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Account information incorrect

Complaint:
The following credit bureaus ( XXXX and Experian ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

XXXX : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 Experian : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/202XXXX 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 2018-07-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had ongoing problems attempting to modify my loan. I have mailed in the documents several times- but somehow some documents were received- but other documents were missing, although they were sent in together. I filed a complaint and in XXXX was assigned to a rep to help me with the process. The sam thing has happened, I send documents in, but Rushmore tells me to resubmit a document bc they sent me an old version etc. They never seem to have all my documents, I have to remind them and reference when they were received. It is so unclear and I am having a difficult time hearing back from anyone. I was denied for missing documents, which I sent over & over and for a XXXX from that they made an error in the one I was sent. The rep would ask me to send in on teh spot, but some documents I could not bc I mailed them in, such as statements, that I could not print. I do not have access to a printer that is mine to use. They have requested the same explanation over and over about my business taxes in writing, I send it in and they confirm it received and then as for it again. My rep emailed me and said that I need to contact him urgently, FOUR days asking for the same document again. I emailed and called back, it has been over a month, no reply. While I am working with the rep on my modification & turned in all REQUESTED docs, I am served w a notice of default and put in foreclosure. I ask the rep about a National Disaster forbearance, because my place of employment/residence were in a declared national disaster area inXX/XX/2018 & he has no idea what that was, how to go about it, if I could apply or not. I know this is confusing, but that is why I am so worried. I feel like I am getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: JPMORGAN CHASE & 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: Credit inquiries on your report that you don't recognize

Complaint:
I generally let people walk over me you could say I've had some issues with some XXXX sounding Apartments the only apartment that I've ever lived in with a XXXX name because I stay with my sister and my father before that and never rented a place except for a XXXX XXXX which was unsafe and they gave me my lease deposit back without any damages to my rental history long story short there's an XXXX XXXX XXXX I stayed there on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest of my life I've lived in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  back in XXXX my XXXX dropped 40 points it has now dropped another 40 something points in my experience has dropped 40 points so now I have a XXXX XXXX from a XXXX I was going to transfer my debt into a interest-free account due to the improve credit which I had responsibly built up over the last several years to just be destroyed I'd appreciate your understanding and aggressively approaching this manner to fix my life I'm a young man I'm XXXX years old and pressing for time when it comes to being responsible as an adult I need not irresponsible thieves ruining my life thank you so much for all your help I would like my fair credit back in order, at this point I couldn't purchase a candy cane

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
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:
RECENTLY, I LOOKED AT MY CONSUMER REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFIMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.

Company response to consumer: Closed with explanation