BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
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:
XX/XX/2020 unauthorized inquiries were on my credit report and it is damaging my credit. 
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 2023-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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've been trying to dispute a lot of information on my credit report and I keep getting that it's going to take 30 days or they going to investigate and the same thing happens day after day I really will like it to be fixed it so that I can actually get the fair rate on everything that I'm supposed to get I think it's fair for everyone to have a fair credit report instead of having a wrong cover report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: IL
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 submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..

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 2020-11-05
Company: EQUIFAX, INC.
State: IL
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 submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report XXXX XXXX {$290.00}

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 2020-07-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since 2017 XXXX I have been in a debt consolidation company In charge debt solutions. One of the credit cards I put into the debt collection was XXXX XXXX XXXX. They agreed to the terms of the debt consolidation company monthly payments percentage rate etc I have a letter stating that from the credit card company. I paid the debt of I believe XXXX. Which they agreed to. Then I get a notice from a collection agency. I called them spoke to a supervisor he said that if I got the letter send it to him which I did and never heard back from him again. I tried to call several times and he wouldnt return my calls and was always busy. I paid my debt that they agreed to and dont think its fair that its still on my credit report in collections for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: NCB Management Services Inc.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company bought my debt from a payday loan company when I didnt even know I still owed on the original debt. The original debt is not listed on my credit report but I didnt find out about this debt till it showed up on my credit report, I got in contact with them and tried to argue that I didnt owe it but they made threats against my assets if I didnt at least set up a payment plan. The debt theyre asking for is far more than I could have possibly owed, and I had no chance to dispute it before it showed up on my credit report. This caused me to loose out on a mortgage I have been working towards over 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Resurgent Capital Services L.P.
State: WA
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:
THIS IS A MONKEY SEE MONKEY DO LIE BECAUSE XXXX DELETED/REMOVED THIS ACCOUNT, AND SO DID XXXX RECENTLY IN 30 DAYS BECAUSE WHEN I DISPUTED THIS ON MY XXXX CREDIT REPORT. XXXX XXXX XXXX OVER WHERE THIS WAS PUT IN COLLECTIONS IN ALL THREE CREDIT BUREAUS WHO HAD TO FIGHT, DISPUTE GRIEVIOUSLY TO GET THIS REMOVED/DELETED. I AM SAYING THUS TELLING, THAT THIS ITEM NEEDS TO NOW BE PERMANENTLY REMOVED FROM MY XXXX CREDIT REPORT ESPECIALLY ON THE COLLECTIONS SIDE FOREVER. THE ACCOUNT IS TOO OLD FOR ONE WHERE ALL IT DID WAS RUIN MY CREDIT SCORE OF XXXX XXXX XXXX XXXX FROM XXXX, AND XXXX XXXX WHO GIVES OUT YOUR FREE SCORES RELATING TO XXXX, AND XXXX. XXXX XXXX REMOVED XXXX POINTS, AND XXXX POINTS OFF MY CREDIT REPORT DUE TO THESE COLLECTIONS, AND NOW THEY ARE DELETED/REMOVED FROM THOSE CREDIT REPORTS, AND NOW XXXX NEEDS TO REMOVED THIS INACCURATE DEPICTION OF AN ACCOUNT OFF MY CREDIT REPORT BECAUSE ONCE AGAIN ALL MY XXXX LOANS IS PAYS AS AGREED, AND WITH ONE PAST CREDIT CARD & STORE CREDIT CARD , WHICH HAS A XXXX BALANCE ON THEM. NOW I HAVE A FREAKING XXXX ON XXXX LOSING XXXX PLUS POINTS OR MORE WHERE MY BANK SAID MY XXXX WAS AT XXXX XXXX XXXX, AND NOW BETWEEN XXXX, AND XXXX I GOT A XXXX, AND A XXXX, WHICH IS A BUNCH OF XXXX WHERE ALL MY CREDIT SCORES SHOULD BE WELL OVER 700 PLUS. 


XXXX Total balance : {$450.00} LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX XXXX  Balance {$450.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My XXXX  XX/XX/XXXX XXXX  was totaled in a crash.XX/XX/XXXX The car payments were current including the GAP insurance from Toyota Motor Credit Corp . 
vin : XXXX My insurance Company : XXXX XXXX XXXX paid {$20000.00} for the totaled XXXX  to Toyota MCC That left {$15000.00} Which was covered under the GAP insurance.

Toyota MCC Chose not to pay and no reason was given just the run around.

They did instantly give me a NEW XXXX loan for A new XXXX  with No money down.

The dealership saw that the car was fully covered with GAP and thus a new loan.

However Toyota MCC to this date has not answered my calls or payed the GAP on this loan. They do not deny anything. They just won't move on this.

This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage from Navy Federal jointly with my wife at the beginning of XX/XX/2021. We went under contract for the purchase of a home on XX/XX/2021 the contract was sent to the mortgage lender on the same day via email. The closing date on the contract was XXXX XXXX. I did not receive any contact from Navy Federal until 5 days later when a XXXX XXXX envelope appeared on my front door. It contained all loan documents with a locked in rate WITHOUT ever being sent a loan estimate and agreeing to lock in the rate. Finally I was able to reach my mortgage lender and he never admitted to his mistake and said the rate was locked in and there was no way we could get better rates. I took it upon myself to apply for the same loan again on XXXX XXXX but without my wife to see if I could get a better interest rate which I did by .75 %. I then had a new loan officer per my request after the terrible experience with the original loan and after all documents were submitted ( so I thought ) the loan was transferred without my knowledge to a now 3rd officer. It was the first week of XXXX when we had asked for the appraisal to be scheduled. It was scheduled for Thursday XXXX XXXX. During the week of XXXX I received no document requests or contact at all from the new Loan officer. We then heard back from Navy Federal during the next week of XXXX that they could not contact the Appraisal company. Until finally on Friday XX/XX/2021 the Appraiser contacted Navy Federal and said he couldnt do the appraisal because his wife was sick. I had made sure to ask my loan officer if everything was done other than the appraisal and she assured me it was. We had to write an addendum to the sale contract to extend closing to Thursday XXXX. On Monday XXXX the appraisal report was finally reviewed and approved by Navy Federal but it happened around XXXX XXXX XXXX XXXX so they couldnt get the file approved for a Thursday closing date. Then I had to reach out again on Tuesday XXXX to my loan officer to ask the status of the loan and she said they had questions about our rental property which I had clearly explained in the application process that the tenants were moving in XXXX XXXX and I had submitted a copy of the lease agreement. They also had questions about an allotment on my paycheck which went to an investment account. Which they also had statements for. So basically it sounded like they didnt even begin reviewing documents until the Appraisal was final. Now we have to again ask the sellers to extend closing even further to the right. During the time after our original closing date of XXXX we have been forced to stay in hotels until we could close. Our experience with Navy Federal has been horrific and I will never bank with them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
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: Account status incorrect

Complaint:
XXXX reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically

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 2018-08-08
Company: New Century Auto Sales, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for an auto loan, and the company, XXXX XXXX, tried to FORCE me to PUT my HUSBAND on the LOAN, because I financed a vehicle for him in 2016, I refused several times and was told that they couldn't finance me if I didn't, MIND YOU I COSIGNED FOR him, NOT the OTHER WAY AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have repeatedly told these people to stop calling me. They are trying to collect a debt that is over XXXXyears old, a debt that I have already contested and removed from my credit report. 

I have told them many, many times to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: TX
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:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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 status incorrect

Complaint:
I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
CAPITAL ONE AUTO IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY CAPITAL ONE AUTO FINANCE ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT CAPITAL ONE AUTO DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. CAPITAL ONE AUTO HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
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:
Yes I did try to have Trans Union correct this error, however I didn't try with the reporting Company XXXX. I completely deny that this is my transaction.

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 2023-09-10
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Hard Inquiries from : Barclays Bank Delaware XX/XX/2022 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 2020-11-05
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I settled a charged off auto loan with Westlake Financial in late XX/XX/2020. I do not know the date because they had me mail a cashiers check and I do not know the date it was cashed. I mailed the check on XX/XX/XXXX. However, Westlake Financial has continue to report the account as Charged Off on my XXXX Credit Report. I disputed with XXXX twice and they updated it twice with adding an additional month of Charge Off reporting. I called Westlake to handle and was left on hold forever. The account has had remarks from Westlake for 3 months that the account was settled but they keep reporting it as a Charge Off. Please have this inaccurate information removed.

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 2019-10-23
Company: EQUIFAX, 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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation