BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to this company numerous times and I have yet to get any response from them regarding a bankruptcy they are reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The following accounts have violated my consumer rights : XXXX XXXX XXXX : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXXmmediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I returned a vehicle to Toyota XXXX XXXX dealership after 3 months of not being able to afford the monthly payment of $ XXXX. I was not provided any type of documentation when I returned the vehicle in XXXX. Two months after the incident, XX/XX/XXXX, the Toyota credit is claiming they sent a statement with some due fees I owed from the returned vehicle. Which, I never received a notice in the mail in XXXX. After I began investigating this matter, I found out about it when i was denied a mortgage application, i called Toyota and they provided me with a copy of that statement that was sent out in XX/XX/XXXX. My account was sent to collections in XX/XX/XXXX, but I was never provided with a statement explaining the charges and my rights to dispute this account. I have never heard of this account from Toyota since XXXX, they do have all my contact information since i currently own a vehicle from the same dealership. I contacted a legal adviser and they explained my rights and they suggested me to start a dispute with the Bureaus and also to dispute the account with Toyota itself due to fail to comply with the law, which states I should of been notified as a consumer when they notified all bureaus about a collection and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Mobiloans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
First, the company advertises the loan products as an installment loan. The way it is advertised makes you believe that the product offered is personal loan. The best way to describe it is you apply for a loan amount. The bank runs your credit and verifies income. Once approved, the bank will send you the money with the simple terms. The monthly payment, the interest rate, and pay off date. With " Mobiloans.com '', this is the furthest from the truth. The product turns out to be a very expensive ; never ending, PAYDAY LOAN. 

I received a loan for {$1800.00} and paid 1 time per month. Mobiloans.com is debiting our checking account 2 to 3 times per month. Every payment they take is completely different. Some payments they take are {$160.00} and others are {$180.00}. When they take the payments, between {$120.00} and {$150.00} of it is nothing but their fees. Two payments ; possibly 3, per month and {$20.00} to {$30.00} of each payment is going to the principal. The way this is trap is set up ; it will take 30 months to pay off the loan of {$1800.00}. The original loan amount of {$1800.00} will cost me {$9600.00}. One would think that every law in lending has been broken. 

Mobiloans.com has taken XXXX XXXX and XXXX XXXX 's playbook. Everything from the way it is advertised to how the products work is all a scam. The loan was taken out to report to the credit agencies and to help with the overall credit picture. We were trying to paint a picture for VA Home Lenders to finally live the American Dream and purchase a home. 

Something needs to be done with this to protect us as a consumer. There is no way a company should be able to advertise this product as a personal installment loan when it is nothing but predatory payday loans. I am XXXX XXXX  XXXX veteran of the United States XXXX, and we need better protections from companies like this. 

I am filing the complaint to receive some type of assistance. There is absolutely no way in the world I would have signed up for this product had this information been presented to me from the beginning. If the company would have said that the loans were payday loans or cash advances, they would have never been able to receive me as a customer. Everything about this company needs to be published online. Thank You!

Company response to consumer: Untimely response
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I got an alert on my credit report saying someone is using my name, bank, bank account, ssi number, and old email I froz that noticed it was from the XXXX market under ground. I dont bank at this place no more and all they tried to use but it will affect my credit score. I will let the bank no of this also. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reference : XXXX XXXX XXXX  acct # XXXX ; CFPB XXXX ; NC DOJ XXXX XXXX XXXX, XXXX NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified Transunion, XXXX, XXXX, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX XXXXXXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXX XXXX est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX  XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay XXXX of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had Transunion, XXXX, and XXXX completed a VALID re-investigation, this would not have affected me as greatly.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The person received there items. There a scammer trying to get XXXX back for items they received and PayPal believes them. Where is the proof that they never got any items. No one can come up with proof for me to see. Scammer is not getting money back unless they send the items back. If you don't have the items you get nothing back. I am not responsible for paying a XXXX back to a scamming frauder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Collections Act 12 CFR 1006 it states to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. XXXX XXXX willing purchased a debt and is incorrectly reporting it I've never had a contract with XXXX. I would like all original contracts provided in writing. I would also like the proof of sell of the vehicle from XXXX XXXX. EQUIFAX has said they verified the balance, dates and contract but has not given me a written documents has requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX18 XXXX XXXX  Received a call from XXXX XXXX at IQ Data. He said I owed a debt. I asked him to send me the information. He said he would only send the information if a was going to pay the debt immediately. I was not going to pay anything without looking at the information. 

XXXX18 XXXX XXXX The same number called me back. I did not answer. 

XXXX18 XXXX XXXX  XXXX XXXX at IQ Data called my place of business and left a message on a public email about the debt. 

XXXX18 XXXX XXXX I called him back and he again said he would not email the information about the debt unless I told him I would pay him by credit card immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to XXXX, XXXX, Equifax stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-14
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They claimed I did not return their devices which I then called their wear house and they confirmed with me on the phone they had them they then transferred me back to the billing Dept and they then claimed I owed a balance due but my billing was on automatic withdrawal and we left the company to join another with no cancellation fees as our contract was fulfilled. It does not make sense on how I would owe a fee if my contract was fulfilled and I also do not have the devices as they found them in their wear house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Shellpoint Partners ( NewRez LLC ) engages in fraud to prevent or delay home mortgage refinancing for mortgages it services. Shellpoint directs, incentivizes, or conspires with its employees to commit fraud using the following tactics : 1. Shellpoint/NewRez refused to communicate with the applicant promptly and honestly about the status of the loan application. 
2. Shellpoint/NewRez made multiple requests for documents from the applicant then refused to review the documents in a timely manner. After a period of months, Shellpoint/NewRez requested similar documents. Examples include bank statements, paystubs, and credit reports. 
3. Shellpoint/NewRez attempted to terminate loan applications by surreptitiously posting document requests on its web portal and then failing to communicate those requests to the applicant via email/phone or through their employees. When the applicant failed to respond, a postal letter was sent to threaten to terminate the application. 
4. Shellpoint/NewRez made piecemeal and last moment document requests hoping to further delay or thwart the borrower. 
5. Shellpoint/NewRez used several tiers of handlers to prolong the loan application process. Some tiers include : mortgage consultant, loan processor, customer care. 

My home mortgage was serviced by Shellpoint Mortgage Servicing, and I applied for a refinance with their partner company NewRez LLC in XX/XX/XXXX. I was assigned to a mortgage consultant ( XXXX XXXX ) who used several of the tactics listed above to prolong the application process until XX/XX/XXXX. In XX/XX/XXXX, I was assigned to a loan processor ( XXXX XXXX ) who prolonged the process with additional document requests ( including previously requested documents ) and long periods without communication until XX/XX/XXXX. Finally, I was assigned to customer care ( XXXX XXXX ) who posed several more questions, but who then failed to acknowledge receipt of my answers. 

In XX/XX/XXXX, I searched XXXX, XXXX, CFPB for mentions of Shellpoint/NewRez and realized that this company was engaged in a scam to prevent refinancing. When confronted by the accusation, the response from Shellpoint/NewRez was to was to assign me another loan processer ( XXXX XXXX ) who immediately began using the tactics above to request updated documents that I had previously sent to the previous loan processor ( XXXX XXXX ). 

In conclusion, Shellpoint/NewRez and its employees are committing fraud against refinance applicants. They are systematically prolonging the application process using delay tactics that mostly involve document requests, failure to communicate, and multiple tiers handlers. The practices is so widespread that it is obviously incentivized or promoted by senior leadership at the company. The goal of the fraud is obvious : Shellpoint has nothing to gain by letting its borrowers refinance to lower interest rates.

Company response to consumer: Closed with explanation