BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-17
Company: Perfection Collection
State: LA
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:
Im currently in chapterXXXX bankruptcy and an account I have with XXXX  is being paid through this bankruptcy. Perfection Credit is a debt buyer hitting my credit so many days saying I owe them on behalf of XXXX. My attorney advised them that XXXX the original creditor is being paid through this bankruptcy and yet Perfection Credit continues to report to the credit bureaus. My attorney advised me that this was against the law and sent notification to them and Im still seeing them report. I requested they remove this from my credit report and they have it listed as new debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
I used to live in XXXX. I leased Lexus car my payments used to {$490.00}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX   dollars more a month. I continue to make payments for {$490.00} via automatic debit, Lexus continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, Lexus stated that I had to pay {$500.00} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {$490.00} i could have easy been able to pay the who {$500.00} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( {$490.00} ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact Toyota /Lexus they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Consolidated Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX  XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not familiar with information, it is an error and should not associated with my name

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 2021-04-22
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX  - XXXX XXXX XXXX  XXXX. 

Equifax and XXXX are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to XXXX. Equifax is using Fico Score XXXX, XXXX  XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. Equifax and XXXX prefer to use these older versions to deny access to minorities with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a loan since XXXX with One main financial and it was paid off on XX/XX/XXXX of XXXX and it is not showing on any of the three credit bureaus I have contacted the executive offices and they said they don't know why it's not reporting they can't figure out why their computers aren't reporting it and they would and DID manually report this $ XXXX to $ XXXX loan to all 3 credit bureaus. As of today, I spoke with all 3 bureaus and THIS IS NOT THE CASE. 
I have been working on getting another car as mine was stolen... Which assisted with the final payoff of this loan. 

The lack of reporting caused the car to be sold out from under me as well as I applied to get another loan thru them However, there is no way that a loan of this size and length would not affect my credit score if not reported... Thus, any offers actually from any lender I look like a liar The application has been open for 25 days and this correction has still not been made Now the application is expiring TODAY! 

This ERROR ON THEIR PART is totally messing with my credit overall and my ability to get treated fairly by ANY LENDER! 

Again. The LOAN IS PAID OFF. 

I PAID IT OFF ON XX/XX/XXXX... THERE IS NO REASON IT SHOULD NOT BE REPORTING... I HAVE BEEN PATIENT AND NOW I AM SUFFERING DUE TO THIS INCIDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX, XXXX XXXX, XXXX/DEPTOFED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
People 's United Bank is not properly processing loan applications, instead making up false debt figures for the DTI ratio, which I believe may be to discriminate against me. I applied for an overdraft line of credit and they put my DTI ratio  at 92 % because they created false information regarding my student loan payments. My student loans show a {$0.00} payment on my credit and I informed the bank that I pay approximately {$37.00} a month currently. They refused to use the information from my credit report or the information that I provided, instead falsifying a figure to find a way to deny me. The in-branch banker told me that the underwriter required them to call the underwriting department to discuss personal attributes about me, after which the application was mysteriously denied for this false DTI ratio. I was then retaliated against when I informed the loan department I would be filing a CFPB complaint because they refused to provide me any further service, instead hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Circle Internet Financial
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I used Poloniex to trade/exchange virtual currency. Upon requesting a withdrawal, the company is refusing to release the funds. 

They are stating " fraud prevention '' and creating significant barriers to completing the withdrawal including : - picture of myself holding : -- picture of my ID -- handwritten note stating the exact withdrawal amounts & exact cryptocurrency address for the withdrawal destination While on the face this seems as protection against fradulent transactions, in practice these are nearly impossible to accomplish due to the following reasons : 1.  Cryptocurrency hashes are long and impossible to remember. Often the requester address changes and by design for some currencies so they are 1-time use. 
2. Crypto amounts are not easy to remember as they contain many decimal points making them virtually impossible to remember 3. When logging in to their site at poloniex.com all information is blocked so it is impossible to view any transaction history including the addresses and amounts listed above, making the requested information pretty much impossible to find. 
4. I hate pictures of myself. I should not be required to provide this and find it to be an egregious request compared to standard ID verification, which I have already completed when becoming an account holder. 

I communicated my concerns to the company, but they have refused to offer any other method and are refusing to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX  XXXX-Date of inquiry XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello- Reached out several times in the XX/XX/XXXX to receive check from Closed account. Now balance is approx XXXX $ XX/XX/XXXX was told special condition to close account and taken3 days. Told to call back on XX/XX/XXXX.XX/XX/XXXX called. Said they cut check- and collided accountXX/XX/XXXX no check received. Called. Apparently check is no mailed or produced. Was told account was Closed XX/XX/XXXX. 

I want my money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: LA
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 submitted a formal dispute with Experian, XXXX  and XXXX  on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested Experian, XXXX  and XXXX  to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, Experian and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand Experian, XXXX  and XXXX  be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX/XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.

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 2022-08-12
Company: EQUIFAX, INC.
State: CO
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 non-monetary relief
Consumer complaint received 2019-05-18
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 is missing that should be on the report

Complaint:
TransUnion had my mortgage listed as being included in my Chapter XXXX bankruptcy ( discharged in XX/XX/XXXX ) and didnt have anything listed about my many years of on-time payments, nor the open status of the account. I disputed this and instead of updating their records to reflect the correct status of my account, they deleted the account from my credit report entirely in XXXX of this year. 

When I contacted TransUnion via phone, I was told that deleting the account was the only way to correct the information on TransUnions system, as it would then be replaced with the correct and up-to-date information my mortgage holder, XXXX XXXX, would be reporting to them. The man I spoke to said it should update automatically, but if not, directed me to contact XXXX XXXX. 

In a letter dated XX/XX/XXXX, I contacted XXXX XXXX since my mortgage still wasn't appearing on my TransUnion file. In a XX/XX/XXXX phone conversation with XXXX XXXX of XXXX XXXX I was informed that XXXX XXXX had been reporting my open mortgage account to all of the major credit bureaus as of XX/XX/XXXX and that any error was on TransUnion 's part. 

I believe that this issue is negatively impacting my TransUnion credit score.  XXXX and XXXX both have my XXXX XXXX account listed and with correct payment information. My FICO XXXX score from XXXX is XXXX. Per XXXX, my XXXX XXXX XXXX score is XXXX and my TransUnion XXXX XXXX score is only 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 2020-09-24
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment information to the remarks. This same company removed the other account I paid off. This one is effecting me getting a home for incorrect information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: CO
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 seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with XXXX and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. XXXX needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2021 Transaction # XXXX I used Chase app and sent {$900.00} using XXXX to my attorney but I made an error on the last digit on the phone number and the money was sent to the incorrect person. I called Chase the same day after my attorney told me he did not get the XXXX transfer this is when I realized the mistake I made. I called Chase and filed a dispute XX/XX/2021 Claim # XXXX. My dispute was denied XX/XX/2021. 
XX/XX/2021 I called Chase spoke with dispute supervisor and told her the situation and denying my claim is not right this is not {$20.00} is {$900.00} which I need refunded and she said there's nothing she could do. 

Please help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: RoundPoint Mortgage Servicing LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, our loan was sold to Roundpoint. At the time, the loan had double charged me on my insurance bringing my mortgage from {$1500.00} to {$1800.00}. XXXX ( # XXXX ) paid my insurance late and was given a cancelation notice and despite receiving a reinstall letter and assurances that I never lost coverage, they decided to apply their own insurance when they sold my mortgage, hence the cost. Eventually, Roundpoint got the refund and this was put into my account. On XX/XX/XXXX, I paid the difference which was supposed to clear my account ( XXXX ). The amount paid was {$2100.00} which cleared XXXX and XXXX. On XX/XX/XXXX, I paid my usual amount {$1500.00} which is supposed to be for XXXX On XX/XX/XXXX, I got a phone call in which I was told I owed {$300.00} something and I explained that the extra escrow amount was for a double insurance, that a new escrow estimate was done and all of this was supposed to be resolved. Once again, I was told that this was going to be fixed and my loan was up to date. Today, I got another call and once again I was told that the {$1500.00} I made wasn't enough and after going thru this once again, I was assured that this was going to be cleared by XX/XX/XXXX. PLEASE can someone get Roundpoint to fix their system? I am afraid that this will affect my credit rating, not to mention, all the time I have spent with this issue.

Company response to consumer: Closed with explanation