BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was under Chapter XXXX bankruptcy until earlier this year I had to pay a lump sum to ensure my mortgage was caught up going forward which left me with a surplus on my mortgage account during the months of XXXX and XXXX my mortgage was transferred to a different mortgage company and no one would take my payments due to having had been in chapter XXXX. I tried thru several methods to clear this up but I could not see a statement or speak with anyone at phh mortgage company, I submitted thru money transfer made two payments to phh in XXXX one was for XXXX one was for XXXX and I made the XXXX payment at the end of XXXX the company never applied suspension money to my account that were due on the account and reported that I have a late XXXX payment. Due to the way that they applied the funds that was clearly in my account was not acceptable and they held my money without informing me that it was not applied to my account again I had no statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made pursuant to the above named Title " Toyota Financial Services '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. what I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this fact, if any negative mark is foudn on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-08-01
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Merchant charged my card {$58.00} XX/XX/XXXX Merchant canceled contract XX/XX/XXXX & XX/XX/XXXX I contacted merchant asking for refund. No reply to either. 
I contacted Venmo/PayPal to dispute charge. They asked for the same information daily for a week. 
XXXX Declined the dispute claiming I need the merchant to AGREE with my dispute in writing! Isnt that what a dispute is for?!?! 
I supplied the email from the merchant notifying of contract cancelation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Because of a XX/XX/XXXX hospital stay and a billing error, bills were sent to XXXX instead of the V.A.  where I have 100 % coverage. I submitted a dispute to the V.A. to pay this bill on XX/XX/XXXX and again on XX/XX/XXXX. I am still waiting to hear from them. On XX/XX/XXXX XXXX Flagged a PMAB llc account to my credit report in the amount of {$1300.00}. It went right to collections without any notice to me. I was not given the chance to notify them it was being disputed. I also wasn't notified when XXXX flagged my credit report on XX/XX/XXXX. Therefor I wasn't aware until XX/XX/XXXX when I was flagged the second time. I feel this is in violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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 am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
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:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I placed the loan on XXXX/XXXX/XXXX for {$400.00}. I called them last Friday XXXX/XXXX/XXXX to ask for an extension for my loan. On XXXX/XXXX/XXXX, I spoke with someone from the Collections Dept. to able to repay my loan in 3 installments, I did this with online chat. The rep told me that in XXXX I could start repaying my loans which totaled, {$460.00}. Today, I went onto the website and it stated that I would have to repay the entire amount of {$440.00} on Monday, XXXX/XXXX/XXXX. I called Cashnetusa on the phone and the rep told me that the company would attempt to take out the entire amount and then my loan repayment could proceed on XXXX. I told them that I would not be able to start repayment on XXXX. I 've performed this several times, without incident. My account will be arrears because of this transaction even though I 've made 2 attempts to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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 paid off my car for the full amount as stated in the payoff quote by the financing company. The money was taken from my account and my bank confirmed that the finance company had the money, but they claim they did not receive it. They also would NOT provide a written or verbal statement that they did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
10 total accounts for Financial Data Systems : XXXX {$140.00} XXXX {$100.00} XXXX {$180.00} XXXX {$180.00} XXXX {$140.00} XXXX {$180.00} XXXX {$140.00} XXXX {$86.00} XXXX {$87.00} XXXX {$140.00} I started off with bad credit because of debt that I didnt even know I had. After contacting My medical billing office several times, they claimed that they can not do anything about claims sent to collections. These accounts were paid off all at once at the beginning of this year. They have been paid off for months now and theyre still hindering my credit. 
To this day theyre trying to collect several hundreds of dollars from me. At the beginning of this year I tried paying everything off through the company itself as well as through the debt collection company. I was successful with the debt collection company, but the medical facility now has inaccurate records for what I owe them. I have been harassed all year long for an amount that I do not owe them. Ive tried to get in contact with them and they refuse to meet with me. They just tell me I have to call and talk that way. Which has gotten me nowhere. I would like for all of this to be put to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: The CMI Group, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year, someone used my social security number to open a XXXX account and then closed it with {$750.00} in unpaid debt. I learned of this in XXXX 2016 through " Credit Management '' - debt collectors who said I needed to settle things with XXXX. My identity theft protection firm and I both did this separately and simultaneously. 

Consequently, XXXX confirmed that the account was opened by someone else and that they were removing that debt from my account. Credit Management confirmed the same and promised no further communication regarding this mistaken debt. 

Since XXXX, however, I have received incessant phone calls ( 5/week ) and yesterday I received a written invoice to pay Credit Management directly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, XXXX and Experian has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is my second time filing a complaint with this Company.

The company did not issue the correct amount in the refund they sent out. The refund should have reflect the 19 months of XXXX XXXX time. ( XX/XX/XXXX- XX/XX/XXXX, when I paid off the car ) I spoke with someone from the company on XX/XX/XXXX still no update. I have been waiting on this refund since XXXX of XXXX. The company never applied the new APR to my account due to error in their system. ( Each time I called, this was the reason ) The monthly payment difference with the new APR rate was roughly {$78.00}. Therefore, the refund should be {$1400.00} ( $ XXXXx19 months ). My monthly payments were never adjusted on my statements either. 

I did receive the {$430.00} refund, however, that was not the accurate amount. I have spoke with multiple representatives from this company and still no update.

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 2017-07-12
Company: ProCollect, 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 was renting from XXXX XXXX XXXX owned by XXXX XXXX from XXXX to XXXX. At the time they were accepting Section 8 housing which I was currently eligible to receive. I had no problems from the first year of my lease. The second year when the problems came. Usually while on Housing they come and do an annual housing inspection to make sure the townhome is up to code to qualify for housing benefits. XXXX XXXX did n't pass inspection. So the state notified them when the next inspection would be and the time frame they had to fix the issue. Once again they ignored the request and failed inspection the second time. They received a notice that they did n't qualify to be on the housing program anymore unless I paid XXXX to have a 3rd inspection. I paid the XXXX to have it done because I did n't want to move out. When they did n't pass inspection the state does n't pay their portion of the rent. It also stated that I was not responsible for the states portion of the rent payment. XXXX XXXX received this notice. XXXX XXXX finally fixed the issue. XXXX XXXX attempted to collect the payment that Housing was responsible for from me. After showing them documentation and giving them my case worker number to talk to them they served me with an eviction notice. The landlord even showed up at my door on a non business hour stating, '' If I were you I would move out because the judge is going to kick you out anyway ''. I advised her I would stay until we settled in court. On our court date XXXX XXXX could not prove that I owed the money they were trying to collect from me. The judge advised me since I had 60 days left that I should go ahead and move out. I was fine with that. I asked the judge since I do n't owe any money this should n't appear on my credit background. She told me that they could not add it to my credit due to them not winning the court case. She gave me 7 days to move out. I was getting ready to sign a lease to my new apartment when they advised me that XXXX XXXX had placed on my credit report I owed XXXX. I had to prove to my apartment complex that I did n't owe this morning by showing them the paperwork from the court. I as investigated the matter XXXX XXXX had sold my debt to a company called ProCollect in XXXX Texas. They have been reporting to all 3 credit companies. I have faxed and emailed documents stating I do n't owe them money. They always say they did n't receive it. As I am repairing my credit I hired a credit counselor. He was able to get them removed from my credit but ProCollect keeps reporting as we keep fighting to keep having them repeatedly removed. ProCollect has went so far as to reporting to the IRS that I collected this money. So once again I had to submit my Judgement papers to the IRS to prove that I never owed this money. So now I have to walk around with all paperwork in hand explaining a debt that should have never been on my credit background.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, I hired an Advisor to help with monetary investments. He suggested my XXXX money go into an annuity with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX, my XXXX money, with XXXX XXXX, was being moved to XXXX XXXX through JPMorgan Chase Bank. The money was split into 5 checks and 3 of the 5 checks sent out were intercepted, altered and cashed, for a total loss of {$39.00}, XXXX. Of that amount, I still have an outstanding loss of {$13000.00} ( one check ). 

XXXX fraud department has filed the appropriate legal documents and copies of altered checks with Chase Bank, which I do not have a copy of. Two of the stolen checks were altered by " XXXX XXXX XXXX '' ; check # XXXX and # XXXX. According to XXXX XXXX, the altered checks were very obvious and should have never gotten past cashier at Bank. Chase Bank has given back money for one of the " XXXX XXXX XXXX '' checks ( # XXXX ) but is not responding to approve payout of the other check ( # XXXX ). 

My last email communication was with XXXX on XX/XX/XXXX. The response I repeatedly get from XXXX is that the Fraud group will follow up with me once they have an update to share. 

It's been over 3 years and I've been more than patient. At this point, I ask my fraud case be expedited and money given back by Chase or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Volvo Car Financial Services U.S., LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We turned in our lease to Volvo of XXXX in the summer of 2020 and to our surprise our final bill included {$210.00} in late fees, however we were never informed during the lease term that our account was being assessed late fees. ( additionally our credit report never showed that we were late during the lease term ) We have spoken with Volvo Car Financial Services a handful of times regarding this dispute, but nothing has been done to address our issues other than erroneously reporting inaccurate ( charge-off was reported ) information to the credit agencies. We explained to Volvo Car Financial Services that we show a correct balance of {$380.00} which we are prepared to pay in exchange for satisfaction of the loan and withdrawal of the charge off and any other negatively reported info previously and or that may be reported in the future. We hope that you may assist us so that we can avoid legal action versus Volvo Car Financial Services and any of there affiliated entities. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXX XXXX  Date Updated : XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/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