BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: MI
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:
Equifax, after looking over my Equifax consumer report I have noticed many inaccuracies with the account information that is being reported. The amount of errors I have discovered looks very suspicious and deceptive. I am concerned that multiple inaccuracies will run the risk of damaging my creditworthiness, my reputation, and my right to privacy. The following accounts have not been properly investigated, validated, or verified yet they continue to appear on my credit report. This is a notice of dispute and request for the re-investigation of the accounts listed below containing inaccurate information : ( 1 ) XXXX XXXX XXXX  is reporting inaccurate information. ( 2 ) XXXX XXXX is reporting inaccurate information. ( 3 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 4 ) XXXX XXXX XXXX XXXX  is reporting inaccurate information. It is my understanding that Equifax is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax, XXXX  and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, Equifax and XXXX inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX  loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is to inform the CFPB of a company by the name of XXXX XXXX XXXX that is treating the consumer to share this information with Midland funding in order to collect a debt I have addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXX has He's threatening to sell my information this is a violation and a breach of contract the company has dishonor by not accepting EXEMPTION XXXX XXXX XXXX needs to stop threatening to collect the debt the descriptions are in the PDF file provided by the consumer on this portal thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my payment on XXXX via XXXX postal service to Provident Funding located in the city of XXXX XXXX, California. 

The payment is sent on the first of every month along with all my other bills. Provident Funding alleged they did not receive my payment prior to XXXX when they sent me a letter stating that. 
All my other bills were paid by then as all my other checks had been received by the corresponding companies and all my checks had cleared. I verified this information by logging into my bank account. the only check and bill outstanding was Provident Funding. 

I have never paid late, and I mean never. I do not have a single late payment with this company ( Provident Funding ) since 2007 or XXXX the record will reflect that as well. 

Once i received the letter, i contacted Provident immediately on XXXX and informed them of the payment. they advised me that the late fee will still apply in the amount of {$57.00} DUE TO LATE FEE. I requested to have it waive as it was not my fault the payment had not reached them as of XXXX. 

The representative was so rude and unprofessional, talked to me like if i was stupid or ignorant, raised his voice and denied me the opportunity to talk to a supervisor stating there was no need and payment had to be submitted and the late fee was not an option to waive as they do not have a late fee policy. if i did not pay the fee, they will added it to my balance and still pay it. the representatives name was XXXX and would not give me anymore information, he further stated it was not their fault that the US mail was late or lost my check and therefore i had to pay the late fee. he couldn't answer me when i asked him if it was my fault then. 

I was so angry about the treatment and late fee, I had my son assist me with paying the full payment via on-line thru their website the next day. it was paid in full via on line. 

On XXXX they sent me a letter and a copy of my check that I had sent on XXXX the letter states that my check had not been cashed/process because it had a stop pay. I never stopped the check and went to my bank and obtain proof that the check had never been stopped by me or anyone, The bank also notified me that my check had never been processed by any bank. My check is intact and has the date i wrote it on XXXX I want my fee waived and I sure that as lenders they are required to have a late fee policy as well as good cause for late fee waiver. 

Please assist me in getting this company to not charge me for the late fee and to stop trying to get people to pay this fee illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Following Account : AMERICOLLECT Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Placed for collection Original creditor name XXXX XXXX This account is not valid. I had active XXXX  XXXX under my social security number at this time and this was covered. The original creditor is responsible for this balance if they did not submit it to the correct insurance for payment as they were given all of this information at the time of care. This needs to be removed from all 3 of my credit reports at once as it is detrimental to my credit as well as keeping me from being able to continue on with my life as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Account was paid down to XXXX when I encountered difficulty paying Account was subsequently charged off. Lending institution is still charging interest on a charged off account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: MO
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 disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the Credit Reporting Agencies are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I, XXXX XXXX XXXX, make the following statement ( s ) in support of an official complaint against Capital One NA. For the past 10 Years I maintained XXXX XXXXapital One Credit Cards, ending account # XXXX XXXX and XXXX and during that period was never a late payment. 

On XX/XX/2022, I spoke to a Capital One Representative and requested they close both my accounts ( # XXXX & XXXX ) and requested a payoff for both credit card accounts ( # XXXX {$2400.00} & XXXX {$330.00}. While closing both accounts I electronically sent stated amounts above ( XXXX XXXX XXXX # XXXX XXXX & XXXX records of XXXX XXXX XXXX XXXX ). 

Approximately XX/XX/2022, XXXX XXXX XXXX XXXX sent me a message concerning my credit report and a late payment to Capital One credit card # XXXX. Since that date, I have contacted Capital One Customer Service ( First Name : " XXXX '', XXXX, and XXXX others Unknowns ) and explained that I closed both accounts on XX/XX/2022, and requested they correct their credit reporting and that they were not diligent in closing said accounts, cause negative and inaccurate credit reporting as to this matter. 

Furthermore, I submit that on XXXX XXXX, XXXX, Capital One sent me a refund for overpayment as to Capital One account XXXX, which further illustrates that they failed to account XXXX as requested on XX/XX/2022. 

In XXXX, I received another credit card from Capital One for account XXXX, which I did not request. Again, my XXXX attempted to resolve this issue with a Capital One Supervisor, and she suggested that it was my responsibility to contact every person, pharmacy business, etc that my account was closed, in lieu doing their job. 

I respectfully request you investigate this matter and/or refer to the responsible parties for disposition. I will not be corporate bullied and have made numerus request for their civil attorney of record.. and I consider it a enormous waste of time, and lets be clear, I will not stand down.. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ph : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: UT
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 a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: M&T BANK CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-26
Company: Possible Financial 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 information incorrect

Complaint:
This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with XXXX and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: Siwell Inc
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home XXXX, 2012 with a fixed mortgage loan. It appears that my original loan had an error my property taxes were calculated by 1.25 % and should have been 2 %. My mortgage company has paid my taxes in full, however I have a -escrow balance that needs to be paid off in 12 months of over {$300.00} additional per month to my loan. Is it my burden for their error in calculating my loan docs. There has not been any increases in my property taxes or insurance premiums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MO
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/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

My rights have been violated several times.

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

According to 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 explanation
Consumer complaint received 2020-11-02
Company: HYUNDAI CAPITAL AMERICA
State: AZ
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 purchased a new XXXX XXXX the day before XXXX in XXXX. I've been trying to pay off the vehicle since XX/XX/XXXX. On XX/XX/XXXX I was informed I overpaid by about {$390.00} and to not pay. I have repeatedly ask XXXX to fix the missing payments on my account due to a " glitch '' in XX/XX/XXXX according to them. 
I financed {$43000.00}, I have paid {$44000.00}. They're showing my principal balance is now {$11000.00} and my payoff is XXXX, which is absolutely incorrect. 
A few reps had some of it fixed but the after the last rep requested the account closed the principal jumped up over {$11000.00} as stated above. They also changed my per diem interest rate from {$0.00} to {$2.00} for no reason as well. That rate had slowly gone down while paying it off and the last person cranked it up again. I'm tired of accruing interest on an account that supervisors are showing should be closed. I want my title free of lien since I have in good faith paid it off.

I have supplied Kia with my bank statements and XXXX, who accepts their payments has contacted Kia informing that yes, every payment was received and processed correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XXXX, XXXX violated my rights, by reporting false information on my report, that result in multiple ( 2 ) late payments, i wish for these late payment be removed from my 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 non-monetary relief
Consumer complaint received 2021-11-26
Company: Harris & Harris, Ltd.
State: MD
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:
There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my XXXX  to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and XXXX are claiming that the debt is valid and correctly reported.

Company response to consumer: Closed with explanation