BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received notification that Capital One Auto Finance has reviewed my credit report again without my consent. This is the 5 time in the last several years they have reviewed my credit report. Every time they do it I contact them and tell them I am not trying to buy a car. I have told them I have no interest in doing business with them in the past, present nor future. Stop pulling my credit report. 

After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2018-10-17
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My wife contacted CashCall via the internet. We were having a severe cash flow issue. We have a small business in the mountains above XXXX XXXX. She was not given any information on the percentage of the loan which we recently found out was 98 %. I was under the belief that we would be finished paying the loan by this XXXX. Was I wrong we are still paying the minimum which is over 600 a month for an XXXX dollar loan. Looks like we have about 10 years left. I think that this is usury and should not be legal. We already have paid over the premium and are wondering what we can do next.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On TransUnion is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete 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 2021-05-05
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:
Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by XXXX XXXX my husband lost his job and he has just recovered from XXXX failure prior to that and the kids had to stay home and I have XXXX children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of XXXX and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX for XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And I have an credit card account with XXXX XXXX XXXX XXXX XXXX its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've made attempts to freeze my credit reporting by your company as i'm protected by FCRA and the online automated system gives an error once everything is submitted. I had to go outside your website to find a fax number to send a formal request! This is not compliant with FCRA protections for consumers. I want be written notification by your company once this is corrected or I will report your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
For the last 7 weeks ( and counting ) I have been trying to connect my business bank account to my PayPal account. What should be a simple task has turned into a case of unfair treatment and targeted discrimination against me for reasons I am still not aware of. I have submitted the requested XXXX business verification documents as requested by PayPal 5 tims now and yet even today I am still getting emails from PayPal requesting I submit the exact same documents again. I have tried to resolve this through their online chat platform only to be bounced around to multiple people in the same conversation who either just give me generic information or do not respond to my requests. As their customer service call centre is not accepting any incoming calls due to the COVID pandemic ( which as a professional in the OHS and Risk field struggle to understand ) I have requested more than a few times for a senior manager to contact me direct via phone to hopefully resolve this issue. Documented evidence can be provided upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
This account is being reported as past due monthly on my credit report. 
This account is not open however it is being reported every month as 30 days past due. 
In addition, the amount that I was charged was ridiculously excessive. 
The lenders has also engaged in predatory collection practices.

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 2018-12-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I was in a total loss accident in XX/XX/2018. After the process, and insurance settlement with Toyota Financial Services, they are stating, after community sting to my wife and I otherwise, that we owe an extra {$3800.00}. This amount is reflective of the insurance payout after the initial estimate. We were told by Toyota Financial Services that we did not have to pay that money to them as we had Gap coverage and it was settled. After GAP processed its part, Toyota Financial Services have us 20 days to pay the full amount requested. I believe this to be in violation of the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Credit Systems International, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to jail for two weeks because someone was using my credit I even have court documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX, I discovered many Identity Theft issues on my credit file. I placed a fraud alert, provided police and FTC report of me being a victim of identity theft, with Transunion, that involved my information with my deceased Grandfather. 
For many years, Transunion has been reporting his information on my credit file, though my grandfather passed in XXXX XXXX. 
His middle name was XXXX, or XXXX. My middle name, XXXX, or XXXX. 
Same last & first name. 
To different birthdays, SSN 's, middle names & so on. 
After providing Transunion with my Grandfather 's Death Certificate, on XX/XX/XXXX, TransUnion Interactive wrote to me, acknowledging me of informing Transunion LLC of his passing, and forwarded it to appropriate department. 
Since then, I've been DEAD! .. According to Transunion LLC ... 
I have disputed multiple times with Transunion, but failed to convince them to correct the disaster. 
After me telling this company that the other name and info, " XXXX '' ( middle name ) is not me, I'm " XXXX '' ( middle name ), XXXX & XXXX, ( other 2 big CRA 's ) followed suit and reported Death Notes on my file afterwards. 
My last dispute result, from TransUnion, XX/XX/XXXX, stated : CONSUMER DECEASED DATE OF DEATH IS XX/XX/XXXX ( NO EXPIRATION DATE. ) I will stop here and see if TransUnion can figure out what my complaint is regarding.. 
Thank you for allowing me to state my case.

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 2020-08-20
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: Information belongs to someone else

Complaint:
I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.

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 2018-12-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2018 i called carrington mortgage to check on the status of the account, the rep stated i have to ask some verifying questions one of the first questions was along the lines was are you currently with your spouse? how the XXXX is this a verifying question? i resent this/outside of account number phone number, name address socoial security number or passcode.this line of questioning is out of line and to me a violation of 93 a.if they have a right to askthem fine, but the represenatives at carrington have no right to preface these are verifying questions, carrington does not want to help they just want to FORECLOSE, they cherry pick on what they wish to reply to in complaints and carefully lie with others.also they state that they were given a change of address just in XX/XX/2018 .This is a lie .Borrower has proof Carrington received in XX/XX/2018 but repeatedly ignored requests afterwards to change even though they were repeatedly told..also they had and agent tresspass on my property ( clearly marked ) to hand deliver and open notice stating confidential yet it was not put in and envelope and the other copy was strewn near the road for all to see.i want carrington to respond specifically to these 3 concerns above to do with questionining anout am i still with borrower, why are they handelivering open correspondence with all borrower sensitive persoanl information carelessly placed on my property stating they cant reach us when we have been calling in for ove r2 months now and why carrington states it was just XXXX when they received a change of a address just for there mailings and borrower provided proof through you via email it was last XXXX!!! also carrington tried to lie with there rep XXXX a so called specialist that the 150 day right to cure need not be sent out when it in fact by law had to be redone.CARRINGTON SAY THEY WANT COMMUNICATION YET THAEY MAKE IT DIFFICULT TO OBTAIN ACCESS TO ACCOUNT INFORMATION OR STATUS WITH RIDICULOUS ILLEGAL LINE OF QUESTIONS LIKE THEY DID BEFORE.ALSO BORROWER WANT ADDRESSED IS WHY BORROWERS CAN NOT DISCUSS THESE MATTERS ON A NON RECORFED LINE, ARE REQUEST OF A NON RECORDED LINE SHOULD NOT PRECLUDEBORROWER FROM ANY ASSISTANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2020-10-12
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all

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 2021-07-19
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Credit Card Statement ending on XXXX XX/XX/2021 is not totally correct. I sent 2 e-mails to the credit card company on or about XXXX XX/XX/2021. I received a generic response back for both e-mails. I then called the Office of the President of the company and waited 24 hours without a response before I filed this complaint. I also attempted to discuss this issue with the phone Customer Service Representatives on XXXX XX/XX/2021. One was no help and the second, who I think was from a call center in XXXX was attempting to help, but we were disconnected and I didnt receive a call back. 

A person cant pay off an Easy Pay Transaction early without undertaking draconian measures. 

Please answer these 3 questions separately. All are from the XXXX XX/XX/2021 statement. I paid the XXXX XX/XX/2021 statement balance in full on XXXX XX/XX/2021 which was the due date.

1. There is a Interest Charge of {$42.00}. This is located on pages 1, 3 and 5. Since the previous statement was paid in full, there should not be any interest charges. Please explain this charge.
2. The minimum payment due is incorrect. It should be between {$29.00} and {$39.00}, not {$450.00}. Which invalidates the complete Payment Information Block to include how long it will take to pay off the statement balance. The minimum payment due is between 11 and 12 % of the Statement Balance. Is it this high as retaliation for a previous CFPB complaint?

3. The statement balance on page 1 of {$3900.00} are the new charges since the previous statement. On page 5, Easy Pay Summary, the summary still identifies 3 transactions as having a remaining balance. Those balances should be XXXX. Instead the statement identifies a balance of {$2400.00}, which is not reflected in the XXXX XX/XX/2021 Statement Balance. Please explain why there is an outstanding balance since I paid the XX/XX/2021 statement in full. 

My last charge for this credit card is XXXX XX/XX/2021. The only two options I have determined for this credit card to get out from under Easy Pay is to either not use ( new charges which Im selecting now ) or cancel the card. There is no way to pay off the Easy Pay charges early. Barclay Card is right up there with pay day loan companies.

I am also going to file a complaint with my Federal Senator to have the CFPB look into the procedures of this company. 

Included to XXXX XXXX will be a complaint concerning this issue to make them aware of their advertising choices.

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