BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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 is missing that should be on the report

Complaint:
Equifax refuses to show anything positive on my credit report. All of these companies have stated they report to all 3 agencies. 1 a month. This has been going on for a few years and they refuse to fix it. It has stopped me from getting finaced because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: BRite Financial Services, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Puchased vehicle from Car-Rite, Britefinancial XXXX sold a warranty that they will not honor as conveniently the item to repair isn't listed in the contract. Car-Rite is legally responsible to repair the vehicle. XXXX XXXX report they showed me and the actual XXXX XXXX report totally different when I signed lease for vehicle. The repair on the vehicle is a know problem with XXXX. XXXX XXXX basically got rid of cars they couldn't sell through this subprime dealership and sold warranties. In addition to not paying for repairs the vehicle has stalled more than once on the expressway. When call to cancel the warranty will only refund 40 % of the price paid due to miles on the vehicle. Because the dealership has been closed since XXXX of 2017, only 4 months after signing the lease on the vehicle it has been difficult to even get a different dealership to diagnose the problem, {$130.00}. I have had to pay out of pocket to diagnose my vehicle and will have to find other means of getting to work as the car isn't reliable. The cost estimate for repairs is {$600.00}. It is an outrage that companies can get away with sabotaging someone and their credit when they are paying for safeguards so extra expenses don't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I began applying for a refinance of my mortgage with Chase Mortgage via its mortgage loan representative, XXXX XXXX. This was in response to my online inquiry the week before regarding applying for a refinance. I had just closed a Chase mortgage in XXXX, which I held for years with no negative incidents whatsoever, when I sold my previous home. 

I have owned and operated my XXXX XXXX  XXXX  for 16 years and expected and anticipated that, though a XXXX employee, that I would have to have my business finances scrutinized as well as my personal finances. No problem. Working with XXXX, I responded to every single request and reviewed the materials and information with him every step of the way. Just as I was confident, all items about my personal finances and company status exceeded requirements. I was informed that my application would be forwarded to underwriting for further and determinative resolution for eventually closing on the refinance. 

Today, XX/XX/XXXX, almost 6 weeks into the application process, I was informed via a phone call from XXXX, that a new requirement, initiated AFTER my application was in process, disqualifies my application. That requirement calls for a pre-existing, current relationship with Chase for at least 90 days in duration has to have been in place - solely because of having a significant ownership interest in my business and its being my primary source of income. There is or was no question about the viability of the business nor the level of income derived therefrom - it's merely having my own business. ( The efficacy and level of my credit scores, personal finances and financial performance of my business were never questioned. ). 

There was no notice of this requirement prior to my being told my application could not go forward. There was no opportunity to cure nor opportunity for me to decline initiating an application and thereby avoid wasting time, energy and pursuing other avenues. I was precluded from reasonably considering other means of pursuing a refinancing opportunity in an environment of market volatility with interest rates and competition directly and meaningfully impacting costs and investment opportunities to me and my family. Chase would not give any consideration to grandfathering my application, since this rule was not in effect at the beginning of my applying. The efficacy of my application was not in question nor any deficiency - other than the mere fact of my owning my business - identified or made. 

Chase should continue processing and ruling on my refinance application based solely on the merits, processes and policies that existed prior to their " pre-exsiting relationship '' rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the debt as reported by SOUTHERN CREDIT RECOVERY for {$290.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist. 

In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state and jurisdiction? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state and or jurisdiction, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB KEEPS SENDING LETTERS ABOUT A BILL THAT IVE ALREADY SPOKEN TO SOMEONE ABOUT AND IM FEED UP MY HEALTH IS AND ISNT HEALTHY ENOUGH FOR ALL THIS AGGRAVATION AND I ASKED THEM TO STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JUST RECENTLY XXXX XXXX XXXX ( ON BEHALF NATIONAL CREDIT SYSTEMS ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE.

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have this Citi credit card. And I've had it for many years. My credit score I receive every month from my XXXX card, and the latest score is XXXX. However Citi card is charging me 23.49 % interest on one of my balances with them. And 15.24 % on another balance. I was one day late on one of my monthly payments, during the pandemic, and they charged me a late fee. On my latest monthly payment, {$88.00}. is for interest, on my total balance of XXXX. How can they get away with charging that much interest? Especially during a pandemic. And I have a good credit score.

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 2021-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in full on XXXX ( Citizen One mortgage # XXXX XXXX. There were three payments made by my bank following pay off - XXXX, XXXX and XX/XX/20. The first two payments were refunded by Citizens One. However, the XX/XX/20 payment of {$2200.00} has not been refunded. Since it was paid using the automated bank to bank bill pay transfer with Check Free as the intermediary, my bank is unable to return the money. 

Citizen One claims that they refunded the money to Check Free on XXXX but to date has not provided any datils of the refund or trace #. I have spent hours of my time to get Citizens One to refund and am now working with Ms XXXX XXXX ( Customer Service Manager at Citizens One, email XXXX, phone XXXX ). 

I believe Citizen One lacks the process and checks in place address overpayments and has failed to refund the funds in a timely manner. Citizens One is quick at charging customers late fees but what about holding consumer funds for two months? who pays for teh consumer time and financial loss?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JUST RECENTLY MACDOWELL & ASSOCIATES ( ON BEHALF XXXX XXXX XXXX ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE. 

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
There are 5 back-to-back hard inquiries on my credit report from Capital One Auto Finance from XX/XX/2017. I only authorized one of these inquiries. I don't understand why they pulled my report 4 additional times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in my credit report.

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 2018-04-06
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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 paid off my car loan early. I am trying to receive the title for the vehicle before I move to another state. The loan company Hyundai Finance is not submitting the lien release notice to the XXXX so that I can get a title and every time I call to talk to someone they say it will take a different amount of time to get processed. It is an electronic title and should not be difficult to release but Hyundai Finance is doing nothing to help me and can't even get me consistent information on when I can expect it to be processed. They are impossible to deal with and are not processing the request as stated on the website of 5 business days maximum.

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 2017-08-02
Company: MORTGAGE CLEARING CORPORATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Clearing Corporation ( MCC ) of XXXX, OK is dual-tracking my VA mortgage loss mitigation package ( LMP ) and foreclosure proceedings. More precisely, MCC is moving forward with foreclosure and not working on my LMP while telling me the opposite. MCC has had the LMP since XXXX XXXX, 2017 ( 2 months ago today ) and havent provided any feedback or requested any further information. On XXXX XXXX, 2017 ( 27 days after filing the LMP ) MCC sued me in XXXX County Oklahoma. MCC did not notify me of their intent. I found out about the lawsuit via snail mail I began to get from local attorneys wanting to represent my case. I called one of the attorneys to inquire as to how they knew of this situation and they referred me to the Oklahoma State Court Network ( XXXX ).  Prior to having received the letters from local attorneys, I was told that MCC was simply behind in their work and that all foreclosure proceedings had stopped until the LMP was processed. The documents filed in court by MCC state ; The Plaintiff has elected as provided in the mortgage, to foreclose In addition, MCC has not followed the other foreclosure protections outlined on the Consumer Finance website to include but not limited to ; Direct and Ongoing Access to Servicing Personnel, Fair Review Process and No Foreclosure Sale Until All Other Alternatives Considered. As it stands, I have until XXXX XXXX, 2017 to provide a written response or the judgement will be rendered against you ( me ) with costs of the action.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication from XXXX XXXX associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

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 2019-02-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Toyota Motor Credit repossessed my XXXX XXXX XXXX XX/XX/XXXX with 8 payments left on the loan after entering into default. The vehicle was then sold to and now owned by XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. Toyota has reported a written off balance of {$5800.00} which is unlawful and untrue. I owe Toyota Motor Credit absolutely no monies regarding this vehicle. Toyota Motor Credit has recovered all monies owed. I have spoken with the new owner and have discussed the transaction regarding the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: MA
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 sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on my credit report

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on my credit report

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 2021-05-20
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Skrill USA, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2020 i transferred USD to XXXX ( XXXX ) through Skrill.com they took my money same day but didnt transfer yet, now today when i called they said we'll issue refund to you after 5 days. 
Also, they took my SSN card, DL License and bank statement. When i call there customer service call went to out of country ( non native English place ). I am very scary that they will misuse all my personal info, they have all my personal info, such as SSN, DOB, Bank account #, CC # Address etc.. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-03-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consumer XXXX XXXX never contracted in any transaction with PROCOLLECT INC yet they are harassing me about a debt. They have committing multiple violations against me. Ive invoiced them regarding the violations against me via sworn AFFIDAVIT. They have caused injuries to me with there erroneous claims.

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 2019-10-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

Company response to consumer: Closed with explanation