BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: TX
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 already reached out once my 2ND ATTEMPT - Equifax about the following accounts : 1. XXXX XXXX XXXX - {$450.00}. These accounts do not belong to me. 

2.XXXX XXXX XXXX {$12000.00} account does not belong to me. 

Received notification that these accounts were verified but I have not received any VALIDATION SHOWING THAT THESE ACCOUNTS BELONG TO ME- - According to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed. 

Equifax reporting Unverified documentation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have 2 late payments that should not have been on my account and I called to ask them to help me remove the lates from my credit report as it was hurting my score and the guy that answered transferred me to someone else and I got transferred several times and no one could help. The last person told me they never had anyone ask to remove lates on credit and they could not help me. 

GM Financial violate my rights under the FCRA. 

15usc Section 602- states I, XXXX XXXX XXXX XXXX have the right to privacy. 

15 usc Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent or instructions.

15 usc 1681a ( 2 ) ( a ) ( l ) - a consumer report does not include any report containing information solely as to Transaction or expenses between the consumer and the person making the report. 

I want the creditor to update the late payment for XX/XX/2022 and XX/XX/2022 ( 30 day ) to paid on time based on the violations. 

I was not late and should not have these blemishes on my credit. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: EQUIFAX, INC.
State: LA
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:
Equifax Info Svcs LLC XXXX. XXXX XXXX XXXX, GA XXXX The following is the result of ID THEFT and was once blocked and removed. These items need to be removed and blocked AGAIN due to them begin fraud!!!! I did not open these accounts and have sent in supporting documents several times!!!!. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX   XXXX 3. XXXX Reported : XX/XX/XXXX 4. XXXX XXXX XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX 6. XXXX XXXX XXXX Reported : XX/XX/XXXX 7. XXXX XXXX XXXX Reported : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX THANK YOU FOR YOUR COOPERATION IN THIS MATTER ///SINCERLERY//// XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted This company spoke with a collector told her I have no contract or account with them or their client XXXX XXXX, they where sent a copy of my theft report and police report numbers in a previous dispute with another account they bought from the same client. This is not my account. Also the original creditor was also provided the theft report and all other documents. They received another account balance {$560.00} I got a letter called and disputed the same day, told the rep they have the police report in which this account is also on. Portfolio Recovery sent me a letter saying the other account has been verified as fraud & was closed and will not be reported to the credit. I am requesting a original contract with signatures from Portfolio Recovery and their client XXXX XXXX. I would also like a letter stating this account is also closed and Not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Westlake Services, LLC
State: NC
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 FINANCED A CAR WITH ACOMPANY WHO SOLD THE ACCOUNT TO WESTLAKE FINANCIAL. WE REQUESTED OUR TITLE FREE AND CLEAR. WE HAVE MADE XXXX PAYMENTS OF THE XXXX WE WERE REQUIRED. SO WE HAD OVERPAID. WE PROVIDED OUR PAYMENT HISTORY AND IT MATCHED THERE PAYMENT HISTORY THEY HAD ON FILE. THEY CONTINUED TO ASK FOR A PAYMENT. WE AGAIN PROVIDED OUR PAYMENT HISTORY SHOWING WE WERE IN THE CLEAR AND HAD BEEN. WAITING ON OUR TITLE AND OVERPAYMENT THAT WAS OWED TO US PRIOR TO THE ACCOUNT BEING SOLD TO WESTLAKE FINANCIAL AND THEY WILL NOT RESPOND. BUT, ARE CURRENTLY STILL REPORTING TO MY CREDIT NEG REPORTS TO THIS ACCOUNT.

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 2021-05-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closing disclosure stated the funding transfer date would be XX/XX/2021. However, it it now XX/XX/2021 and we have not received funds. Called on XX/XX/2021 right before XXXX and spoke with XXXX XXXX and was told funds would be transferred on XX/XX/2021. Have called and emailed to no avail. They are intentionally withholding our funding after we have been through the three day waiting period. We are under the impression this is to collect interest on that money for as long as they can, before they send us the funding we agreed to in the refinance agreement. We can't get calls back or updates. We have had to pursue getting this done and done correctly, this entire time. Never once have we been made aware of an issue before we have to call wondering why something isn't done. We have construction crews on hold until we get these funds, for our remodel. My mother has stage XXXX XXXX XXXX and we will be leaving at the end of XXXX to visit with her and the timeline for our renovation keeps getting pushed farther and farther out because Mr. Cooper is refusing to release the funds that they owe us. It is getting pushed to the point where we will likely have to delay until after our visit with her because they won't be able to get inside our home, without us there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, 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:
These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. 
They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2020-10-29
Company: Ocwen Financial Corporation
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: Information belongs to someone else

Complaint:
THE MORTGAGE ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND NOT VERIFIABLE. I DO NOT ACCEPT OWNERSHIP OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Bank of America Platinum Plus credit card. 

I set up automatic payments to pay the " amount due '' and delivery by " 1 day before due date '' For XXXX and XXXX of 2019 - the correct amount was paid. 

For the XX/XX/2019 payment - the amount due was {$64.00} but only the minimum payment amount was paid. This is resulting in interest charges that should not have been accrued. 

For XX/XX/2019 - the pending payment amount is again the minimum payment and not the full amount. 

Please make sure this is not a widespread occurrence for other customers

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 monetary relief
Consumer complaint received 2019-08-20
Company: FALONI & ASSOCIATES, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I XXXX XXXX, have tried to settle my debt by explaining my XXXX XXXX  and serious health challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a XXXX, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my Doctors diagnose are extremely low, slim to none.My XXXX was back this past XX/XX/2018 do to a XXXX, and I am going back for a second XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 Delete this inquiry XXXX XXXX XXXX XXXX XX/XX/23 done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MA
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 had a hard inquiry on my credit a month ago without my knowledge or consent. US SM BUS ADMIN ODA This was the company. My assumption is that this is an attempt at identity theft and someone is trying to open a small business loan related to covid relief funds in my name.

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 2020-10-29
Company: CASHCALL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I took out a payday loan due to financial hardships. I tried to pay the loan off and they charged me a {$29.00} fee multiple times a month adding to the hardship along with my normal payment deduction from my bank account. In order to minimize the negative balance in my bank account I closed it out. When I was financially stable I paid off the loan which at that point it went into collections. I reached a settlement and paid the balance due to satisfy the original loan. Every year after that I would get a collections call saying that I still owed money on the loan over {$2400.00} with compounded interest. I paid the amount due several times over and still was being alleged that money was due. In XXXX, I paid a final settlement that finally gave me a paid receipt of payment in full. Since then I have turned in proof of payment to the collections companies that continued to reach out to me every six months or so. At that point I started received calls from Cash Call 's attorneys threatening litigation unless I paid the balance owed. I sent the payment receipt I had previously and calls still continue with a different agency or law firm saying I still owe money or they will start legal proceedings to collect. This now happens every couple of months. When I speak with the collectors they refuse to provide any kind of debt verification of what is owed. I have been trying to resolve this myself of the past few years and am getting no resolution. I have contacted Cash Call several times each time getting different information. Once they said the loan was sold in XXXX and again in XXXX. I was also told that the funding came from XXXX XXXX and has been " XXXX  '' out to lawsuits and therefore did not owe anything on the original loan. I think the loan is being sold to other companies to extort more money from me and the at this time the constant calls are harassing in nature. The collection calls are saying the money owed is to Cash Call not XXXX XXXX which was different than what I was told from Cash Call after directly reaching out them. I want resolution and the constant threats and harassment to end.

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 2022-06-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called XXXX  times per day for multiple days from multiple different numbers associated with the same company. Commenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: NV
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 submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020, I used Capital One Visa credit card to purchase plane tickets for travel to XXXX. The travel date was in XX/XX/XXXX. Some tickets were bought over the internet from XXXX XXXX XXXX ( {$2800.00}, XX/XX/2020 ) and some directly from the XXXX ( {$250.00}, XX/XX/XXXX ). Due to the Covid-19 restrictions on travel my flights were canceled by the airlines in XXXX and XXXX respectively. I contacted the airlines and asked for the refunds. Despite my repeated attempts the refunds were not issued in the timely fashion. On XX/XX/2020, I asked Capital One to reverse charges/chargebacks for said transactions with detailed information and explanation. On XX/XX/2020 I received a notice from the Capital One in which they stated - " Unfortunately, based on the information we have, we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I know that the The domestic flights, as well as international ones departing or arriving the U.S., are covered by the rules of the Department of Transportation. As it says on the DOTs website - if your flight is canceled no matter the reason you are entitled to a full refund back to your original form of payment for the unused portion of your itinerary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
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 have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

The Bureau wrote back they have verified but again no proof of anything. 

XXXX wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Experian to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Experian to verify see copy below. And a copy to the 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