BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was behind on the loan. I set up a payment arrangement with the company. Capital one. I was on time every month since the arrangement. It came directly out of my account. They have reported me take to the bureaus as late every month. When in fact I have not been late. I called to get some answers. The tech was rude and he was so muffled I couldnt hear. I asked for a supervisor. To no avail. He said someone would call me back. No one ever called back to explain to me what was the problem or why I was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Old information reappears or never goes away

Complaint:
Previous Complaint # XXXX It is very unfortunate that Toyota Financial Services ( TFS ) is in such disastrous shape. Per my previous complaint stated above, I made a payment on XX/XX/XXXX and TFS CASHED IT. I have the copy of the cashed check and TFS has the copy of the CASHED CHECK. And my bank account is proof of payment made and cashed. 

Now, TFS is claiming that the check was returned unpaid. That is NOT TRUE BECAUSE I HAD ENOUGH FUNDS TO MAKE THAT PAYMENT AND MY BANK ACCOUNT SHOWS THE FUNDS WERE CASHED BY TFS on XX/XX/XXXX, and there is SOMETHING CALLED PROOF OF PAYMENT - the CASHED CHECK with TFS endorsement. 

I am sick and tired of wasting my valuable time on this company engaged in unlawful business practices and consumer harassment. How was the payment returned unpaid if the money is not in my account and the check is CASHED BY TFS? THERE IS AFTER ALL PROOF OF PAYMENT. In their response to my CFPB complaint TFS provided a phone number to call, but alas, when I called that number, the same transfer game began again ; the right hand doesn't know what the left hand is doing. No one knows anything, and I was eventually transferred to XXXX XXXX. 

In order to put an end to this, I made yet another payment to XXXX XXXX, XXXX ( the collection agency TFS transferred my account to ). On XX/XX/XXXX, at XXXX I spoke to XXXX XXXX in XXXX XXXX XXXX and made yet another payment towards my XXXX account # XXXX of {$970.00} ( this is a DUPLICATE PAYMENT, please note that ). XXXX XXXX advised that he would notify TFS immediately and send me a letter in the mail within 15 days stating that the account is paid in full and closed satisfactorily. He also stated that XXXX did not report negative information on our credits but TFS did. 

Now, today, XX/XX/XXXX, I received a phone call from agitated co-signer of my TFS account # XXXX, XXXX XXXX XXXX who told me that once again TFS had reported a negative late charge in his otherwise spotless credit report. TFS did the same to me, once again. In their response TFS stated that if I didn't make a payment again within 10 days, they would report negative information with credit bureaus. I paid immediately, and here we go again. It hasn't been more than a day, and they reported it again ... 

This is TOTALLY UNACCEPTABLE. Toyota Financial Services is involved in UNFAIR BUSINESS PRACTICES AND is abusing its customers like me and my co-signer. 

They double charged me after all and still reported negative information. 
I demand a response immediately. I will not call them again because they are unaware of anything. 

I can not wait till my lease is over so I do not have to deal with this horrible business again. This is the last Toyota vehicle I am driving. I WILL NEVER LEASE OR PURCHASE TOYOTA AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that 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, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-08-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-03-15
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures  on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Account information incorrect

Complaint:
Resolved balance issue with company, experian still reporting incorrect balance information. Please remove from my credit report.

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 2023-04-20
Company: Experian Information Solutions 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:
I visited the XXXX in XXXX XXXX after being XXXX  in XXXX. I am a XXXX veteran so my visit is paid by the Department of Veterans Affairs. It is currently XX/XX/XXXX and my credit report just changed due to " Law offices MBA '' reporting a debt. I called them and explained that this debt is not possible due to the aforementioned situation. They told me to " have the VA call them '' for proof and that they verified the debt with XXXX XXXX. XXXX XXXX does not seem to have a phone number. I'm sure this is a billing error in XXXX but I have spent approximately 20 hours trying to fix this companies error. They were supposed to bill the VA. I can not do that for them. I do not have more time to work on this.

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 2018-05-01
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems has failed to send me any validation documentation whatsoever. Midwest gave no notice at all before placing on my credit reports. Midwest has ignored 18 emails in the last 30 days. They refuse to correspond with me via email or mail. Midwest has over 800 complaints with the XXXX XXXX XXXX. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Amount : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # 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 2023-05-26
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called more than 7 times in less than 24 hours. 7 times in one day and then an 8th can the following morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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 information incorrect

Complaint:
XXXX XXXX XXXX.is reporting on my XXXX and XXXX that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.

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 2020-09-04
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Out of the blue a company identifying as AFNI flagged my credit with a debt that I had no idea about. I just happened to be checking my credit score when I saw it. I phoned AFNI wanting to know where this was coming from. I asked if they bought the debt. The response was 'no '. I asked again, response 'no '. I ask where is the debt from, they responded XXXX. Hmmmm. I was not given notice and was not able to file a dispute. So my next step was to send a certified letter to AFNI to  be shown proof that the debt was valid. I checked with the post office and AFNI indeed received my certified letter as they signed for it on XX/XX/2020. I have yet to receive a response and the collection still sits in my credit report. The fact that they left it on my credit, even after they received my certified written request for validation seems wrong. I would appreciate knowing my next steps with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
I've disputed online via my XXXX credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or documents.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623. I am demanding they are removed. 

XXXX/account number xxxxxxxx XXXX XXXX XXXX account number xxxxxxxxxx

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 2023-05-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information XXXX XXXX XXXX XXXX provided, I understated my income. Now I owe a debt to the IRS with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation. I've asked them for the original agreement with my signature, audit trail including XXXX, promissory note, XXXX and copy of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my loan final payment to Valley National Bank on XX/XX/2020. They accepted the payment a few days later. They closed my account but have not sent me a verification of paying my loan. They also have not provided me my title and told me they do not provide titles for vehicle. When I first began my contract with Valley National they did not give me a title. When I told them they stated they will send one and they never sent it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: SANTANDER HOLDINGS USA, INC.
State: OK
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:
XX/XX/XXXX Santader Consumer USA changed the term of my loan without my knowledge or consent and did this based on the dealer submitting XXXX separate forged loan documents. 
XX/XX/XXXX I notified Santander of my assertion of dealer fraud and Santanders responsibility to me if I suspected dealer abuse and fraud. I informed Santander that I never signed the loan document nor did I agree to the purchase of the back end ancillary products added to the loan contract. I requested copies of these documents from both the dealer and Santander. The dealer has yet to provide the documents and Santander finally sent me a copy of the loan documents on XX/XX/XXXX. After reviewing them it is obvious that they were forged because I never signed them. 
I reminded Santander of the permanent injunction that Santander was violating and begged them to work with me. 
XX/XX/XXXX I removed the authorization for auto pay from the external accounts associated with my loan. I did this online and over the phone. Santander ignored this request and XXXX payments were taken from XXXX different accounts XXXX of which was my business account which forced it to close. 
From XX/XX/XXXX until XX/XX/XXXX I emailed, called and wrote Santander regarding the inability to make the payments and the loan was in default. 
XX/XX/XXXX Santander repossessed my car but the tow truck driver failed to provide me with the documents for a legal repossession. 
XX/XX/XXXX I received a call from someone claiming to be from the XXXXXXXX XXXX. This person told me that they sent out a copy of the loan document and the deficiency notice required by law. To date I have not received anything from Santander. 
It is my assertion that Santander bought this loan from the dealership with forged signatures, changed the term of the loan and withdrew money from XXXX checking accounts that were unauthorized and not legal. 
I also assert that Santander violated the class action permanent injunction dated XX/XX/XXXX were Santander must watch out for signs of dealer abuse and re evaluate all loans if they default within a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: WELLS FARGO & COMPANY
State: WI
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:
Contacted Wells Fargo : XXXX, 2020 to ask for Covid relief support for  payments of credit card that was told that we would have been postponed for 90 days. In XXXX we were notified that XXXX 's payment was late and showed a negative mark on our account. We disputed the late remark. Wells Fargo sent us a letter stating that it was an error on their end and in 30-60 days it will be removed from the credit bureaus. We closed on our  house in XXXX and had a higher interest due to this error and we also attempted to apply for a home mortgage HELOC and was denied due to what was on our report.

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 2023-08-23
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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