BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: NC
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:
When I or someone else checks my Equifax credit report, my XXXX XXXX mortgage payment status has the wrong information from XX/XX/XXXX through XX/XX/XXXX. The amounts that they say XXXX XXXX reported to them has the actual Past Due is doubled. This is not the case with the other credit agencies nor are what was actually being reported at the time. I have tried to file an Equifax Dispute but the information they have there is correct from what was reported therefore, I can not fill the Equifax Dispute online. When I call the Equifax Dispute Center to help me, they do not know what to do leaving me with no recourse. What they are miss reporting is lowering my Equifax credit score and holding up using my good credit. I would like the information to be what XXXX XXXX has reported to them found on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Balance was paid in full in XXXX of 2015 via a check in the mail. When I called the company after payment, a customer service rep tried to get me to pay the same balance again. Company shows balance unpaid on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2017-12-05
Company: EQUIFAX, INC.
State: AZ
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 requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX However, I have received a debt collection letter from a company called XXXX XXXX XXXX same address as XXXX XXXX XXXX who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XXXX XXXX, XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - Equifax, XXXX and XXXX and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CURO Intermediate Holdings
State: CA
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:
This is regarding fraudulent activity happened on file case number XXXX with AVIO CREDIT about the fraud and sent all the documents through the email ( on Dated on XX/XX/2018, and after that I have repeatedly emailed them, however, ( They don't even care to reply to my emails ) hence no appropriate action has taken place and because of that Derogatory Remarks have been posted on my Credit Report ). I have not taken any loan and I dispute any charges that are associated with it. I have already filed a police complaint when this fraud took palace and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. I'm also attaching their contact details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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 filed a Consumer Finance complaint previously with XXXX XXXX  regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my XXXX  report the account is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: PNC Bank N.A.
State: PA
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:
on XX/XX/2020 i paid off my home Equity Loan in full Account number XXXX. The proceeds from the sale of my marital property funded the payoff of the account. I had been in CONSTANT contact previous to the payoff asking for amnesty under the CARES act for the late payments on XX/XX/2020, XX/XX/2020 XX/XX/2020 XX/XX/2020 i explained to them that based on the COVID 19 virus i was furloughed from work and unable to get caught up. I asked for amnesty and deferrment but was granted NEITHER because they said the property was listed for sale. Once i paid the account infull i was told the late payments would be removed based on the tenants of the cares act. I have since made calls and sent letters to the three Credit Reporting agencies with NO RESOLUTION. I havent even received a response by mail from the Credit Reporting agencies to provide resolution to this problem. I am now seeking help from the CFPB to have these late payments forgiven under the cares act. I am not able to purchase another property and am faced with losing the housing arrangement i have set up with my current landlord BECAUSE these late pmts RESTRICT me from attaining another Mortgage under FNMA and FHA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, NY. It was a lease for 36 months and maturity date of XX/XX/XXXX. The bank was NMAC ( Nissan Motor Acceptance Corp ). 

On XX/XX/XXXX, I received a mailing to detail the End of Lease process. It asked to provide intention, schedule inspection of the vehicle and return the Vehicle to XXXX XXXX Nissan. 

On XX/XX/XXXX, I made my 36th and final payment. 

On XX/XX/XXXX, I had my inspection dome by AIM and no charges were found to be liable by me. 

On XX/XX/XXXX, I called XXXX XXXX Nissan to schedule the return and they stated they will not take the car back if I don't get a new car from them. 

On XX/XX/XXXX, I called NMAC to ask to return the car to XXXX XXXX Nissan like the letter stated and they said someone will call me back. 

On XX/XX/XXXX, I called XXXX XXXX Nissan again and " XXXX '' who didn't provide a last name said that I can not return the car without getting a new car from them. He was the " big boss '' and was not going to take the car back. 

On XX/XX/XXXX, I called NMAC again and asked to supervisor. I was transferred to someone who gave me an option to extend lease. I declined as I made my final payment and fulfilled all obligations of my lease agreement. I want to return the car. He stated there is no leasing returns being accepted right now. I stated then what I should do with a car that I had paid off my lease and still paying insurance for. He put a request to Mgmt for someone to pick up car. This can take another 5-7 days which will take me to the maturity date and I will be on the hook for another month of payment plus tax for a car I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First I would like to say I am getting tired of my bank responding to my complaints which I rightfully have many, with false, innacurate, misleading and many violating so many of my rights here in my loss mitigation process of my foreclosue conveying these messages that are for EXACTLY the same reasons as they were cited for in their XXXX ( XXXX ) dollar civil action fine and law suit for borrowers in the same position in XXXX to XXXX and I was one them as well. I blame my bank as a result of not foreclosing in XXXX or XXXX when there was no chance to salvage this condo but because I got a discharge in a. Chapter XXXX Bankruptcy case they stalled almost 4 years until I won my XXXX case to offer me a predatory lending loan modification when I owed nothing from a personal perspective and I lost out on a nice affordable housing situation as a result. 

Ok on XX/XX/XXXX I got a response of my two CFPB Complaints from my bank XXXX XXXX Office of the President with a top letter and copies of things to try and help their defense. It has only made it worse as the papers all contained errors and innacurate info and more Violations and more. There are so many I will choose one for now. In that package they sent me copies of documents I never got and even if I did had errors. A letter with no date but if it was sent it had to be around XX/XX/XXXX. On the front it says XXXX XXXX XXXX Evaluation Summary. In the second paragraph it says " I am not eligible for the program listed on the evaluation summary. On the 4th and last page this evaluation summary has 5 programs they claimed I was screened for and the last one says pre approval of deed in Liue. How am I approved when your first page says I am not eligible for any programs? They include a copy of a letter dated XXXX saying I was pre approved for a DiL and what I had to do. I never got this either. I did get several complete denials of this DIL.The details of this offer were totally different than the offer I got by phone and email on XXXX That on the first page of the XX/XX/XXXX response they say this offer is the one assigned to XXXX XXXX on XXXX XXXX XXXX ALL IMPOSSIBLE AND LIES. I am stunned at what is happening and the Attorney General of our State who participated in the case of XXXX to XXXX I am in the process of contacting. 

Attached is the papers scanned so they can't change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Bayside Capital Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: SYNCHRONY FINANCIAL
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:
To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. Sync XX/XX/XXXX, Sync XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, sync XX/XX/XXXX, sync XXXX XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX sync bank had agreed to remove the inquiries. I will show a picture of my XXXX  report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.

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 2021-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, I walked to into a " XXXX XXXX XXXX ''. I purchased 4 shirts, and a pair of sandals. The owner, XXXX XXXX, charged my debit card using XXXX  merchant. He told me to total amount due, and I authorized the transaction. He told me the receipts would be texted and asked me to verify the number. The number that appeared when he ran my card was my husbands number, so I did not corrected. Later that day, my husband sent me the text receipt. I had been charged a total of {$1200.00}. The correct amount was {$130.00} + 9.9 % tax for a sum of {$140.00}. He keyed {$1100.00} + 9.9 % tax for a total incorrect sum of {$1200.00}. 

I called the store and the owner told me he did not know how to process a refund ( he seemed like a very humble man ), and that he would be traveling for the next two weeks. So he recommended that I processed a claim through my bank, he said he'd approve it. he checked in with me on XX/XX/XXXX to make sure that the bank issued a refund, and again on the XXXX when he received notice of the claim. He told he received notice of the error and he that he approved the refund. 

On XX/XX/XXXX, my bank reversed the transaction stating that the merchant provided strong evidence that the amount was correct. They advised me that if I wanted to re-open the claim, I'd need to send prove that the amount was an overcharge. I reached out to the owner again, because he asked me if I wanted to wait for him to return from his travels and come by to pick up the cash, so I hoped we could just do that at this point. His response was that he did not have the money, and asked that I stop bothering him. To solve the issue with my bank. 

I sent the text messages the owner sent me on XX/XX/XXXX. The claim was re-open and denied one more time. Per the bank representative, they investigate the charge with the merchant ( XXXX ), not with the owner, and since my text messages are with the owner the claim had to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 Toyota Financial Services received a check for a payoff of my lease. On XX/XX/2021 as seeing the account was still open and showing past due, I called Toyota Financial Services to inquire about the status of the payoff. I was told that Toyota was missing the odometer statement that was needed for payoff and once the odometer statement was received the account would be closed and paid off. On XX/XX/2021, I called Toyota Financial Services to check on the status of the account and odometer statement. I was advised the odometer statement was received and the account was heading towards being paid off and closed which would happen by XX/XX/2021. On XX/XX/2021, seeing the account was still opened and still being reflected as past due, I called and was advised the account was in the process of being closed and paid off yet again. On XX/XX/2021, I received a call from Toyota 's Collection Department stating the account was 29 days past due. I informed Toyota that they received a payoff dated XX/XX/2021 and the account wasn't past due, that Toyota needed to do their job and process the payoff.

Toyota has engaged in unfair and deceptive practices as not to process the pay off of the account. Toyota has financial harmed me by having this account reflect as past due and reporting a 30 day late payment to the credit bureau, which is factually incorrect. Toyota continues to cause financial harm to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac loan services refuses to relase me from escrow so I can pay my taxes and insurance on my own. The reason I am requesting this is because they are asking for a {$500.00} a month increase in the escrow payment and my taxes nor my insurance has gone up??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
NEW COMPLAINT ... .. 

I posted a payment on their website on XX/XX/2019 ... they processed the payment and then tried to charge me a late fee and a returned check fee. 
account number XXXX I have asked these people on several occasions to stop missing up my account and payments. 

Please help ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXXOCWEN FOTCED PLACED INSURANCE WITH XXXX AND XXXX XXXX XXXX XXXX WITH INFERIOR HAZARD COVERAGE ONLY, HAD A CLAIM WHICH WAS NOT COVERED AND TOOK A LOSS AND WAS NEVER RE-FUNDED, ON XX/XX/XXXX WE FILED CHAPTER XXXX CASE XXXX ADDING ALL 3 PARTIES TO OUR DEBTORS LIST AND NOW OWN US {$320000.00} IN DAMAGES PER TRUSTEE ON XX/XX/XXXX. XXXX XXXX XXXX OWES FOR POLICY XXXX XXXX, FOR LIMITS OF LIABILTY. 

THERE HAS BE SEVERAL CLASS ACTIONS OVER THE YEARS AND NEVER GOT ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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 have reach out to the credit bureaus already and they have done nothing, I have attached accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Here is my problem, I will paste it. " Lack of real estate secured loan information '' This is one of the reasons my credit score is low and I am paying higher interest rates, according to transunion credit score. Why should i have a hit on my credit score for owning my house? This needs to be stopped now or maybe the people need a classaction lawsuit 5o get it corrected.

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