BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: World Omni Financial Corp.
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 information incorrect

Complaint:
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from Southeast Toyota Finance ( SETF ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted SETF at that time and informed them that the dealership was handling everything. After a few more notices from SETF, I repeatedly contacted the dealership and asked that they do something about the invoices from SETF and they repeatedly assured me that they were taking care of it ; in hindsight, they werent.

I heard nothing from SETF after the dealership informed me that they took care of everything, clearing up the situation with SETF and that they sent a payment to SETF to cover the lost key.

I recently checked my credit report and found that SETF had entered a charge-off against me. SETF never advised me in advance that SETF would be reporting a bad debt. I submitted a dispute with Transunion and Equifax regarding the charge-off. Both bureaus reported that they had contacted SETF and that the charge-off was correctly entered by SETF. I contacted SETF and they informed me that the dealership, or the warranty company, had indeed sent SETF the balance due on my account, but that SETF had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing SETF could do to rectify that since it had already been reported.

Because the dealership ( and the warranty company ) were delinquent in sending SETF the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had received XXXX XXXXXXXX back in 2013. After the XXXX was completed I began having complications with my XXXX  so I went back to my doctor for a review. 
It was determined that the surgeon had damaged my XXXX XXXX during the original XXXX on my XXXX. He offered to do another XXXX to repair the accidental damage done from the first XXXX at no cost to me. I agreed and the XXXX was preformed. Some time later I started receiving bills from my doctors office for the secondary XXXX preformed. After calling my doctors office and explaining to them what had happened and why the second XXXX was needed they agreed to stop billing me. Later after having my credit report pulled I noticed that my doctors office had sold the debt to a collection agency. I never agreed to this debt and I have been unable to have it removed from 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 2018-05-31
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple phone calls to the point I have had to block this collection agency. During the initial phone calls I requested via telephone that a validation of debt letter be sent to me asap as I do not have knowledge of that debt. I was told by the representative that a letter was sent to me weeks and weeks prior. At that time I told the representative that I had not received it and would they please send another. I could tell by the conversation that they would be a little uncooperative so I asked to speak to a supervisor. The supervisor came on and I requested a address to send correspondence to because I was sending them a request for validation of debt. I did in fact send that to them and have received nothing in return. At this point they are in violation of the FDCPA and I would like this to me looked into. At this point I want this account deleted from my credit report as it is causing issues with me requesting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: IL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to dispute {$470.00XXXX XXXX  I put my dispute in on XX/XX/22 I gave them a copy of my police report 2 weeks ago I call today and was told know one did the work to reopening it so we can do it now I told him it have been 2 weeks I need my money now he told it will be up to 90 days I told him I never had XXXX  they are not to give my money back I hope you can help me my card from chime no one will not give me the corporate phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The folks at LexisNexis have incorrectly shared with my insurance company that I had an accident in XXXX of 2018. I have not had any accidents. I have gone through this with them multiple times when I have changed insurance carriers. They claim they will fix it, but never do. The accident belongs to my son who has the exact same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX /   2017  RS  Clark and Associates wa s in a receipt of a letter disputing alleged debt they were reporting on my credit reports in the amount of {$87.00}. Per the FDCPA, this debt collector must sent proof that this debt is owed with 30 days of my request. Till this day, this company never responded to my request and it has been well over 30 days. Under the FDCPA, a debt collector must cease collecting debt until they have been able to properly verify this debt to the consumer. RS  Clark and Associated  failed to comply with this regulation and ignored my request but continued to send updates to my credit reports. I am showing this company sent an update on  XXXX / XXXX  /2017 to  XX/XX/XXXX  and still has failed to send me the information I am requesting. This is  a direct violation of my rights. This debt does not belong to me and I have NEVER done business with this company and do not intend to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Credit Central Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Loan in  XXXX  - 14 days late and due to my wife being in the hospital and having only  XXXX  income for  XXXX  children. I (  XXXX   XXXX   XXXX   ) informed manager (   XXXX   ) on Tuesday (   XXXX / XXXX /   17  ) I will promise to get payment in by Frid ay (   XXXX / XXXX /   17  ) with late fee. Also informed that I was currently at the hospital visited sick wife and I will get payment in by Friday. He said okay and we got off ca ll. Manger then proceeded to call back 4 more times within a 3 minute period and wh en I answered accused me of being my sick wife. I advised him I could not talk and payment will be in Friday. He then said he will start legal action because he does not believe it is m e (   XXXX   XXXX   XXXX   ).  I then hung up only to have him call back again and leave a voicemail that he thinks I 'm lying about being me and he will start legal action. So as times are already hard for my family this guy who clearly knows nothing is harassing and threatening me about being a couple weeks late on my loan which I still have all intentions of paying I just fell on a rough time for a short period of time. Please help me!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On   XXXX   XXXX   XXXX     I contacted Bank of America to try to reach a resolution with an account that I allegedly owe. I did not to admit to any debt owed and asked the representative what options are available for this unowned debt to be removed. The representative proceeded to tell me that this is her last call of the day so we needed to resolve the issue immediately. The more I explained, she let me know that she would have to connect me to a collection department. When I was transferred to a collection department, the rep informed that no pay to delete options could be made with bank of America because, " When your account is charged off, we get discounts with the FDIC and the account does n't effect us anymore. '' He proceeded to refer me to  XXXX   XXXX   XXXX  and said that I would have to talk to them to resolve this issue and work to have my credit updated. After contacting this company, they did not even attempt to pull up any account or verify any amount owed and yet demanded a payment of {$2000.00} for removal of account. I would not proceed with any transaction and was informed that Bank of America and  XXXX   XXXX   XXXX  can sue me for refusing to pay the debt!!!

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 2019-12-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2021-11-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX  reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...

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 2021-11-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have called Capital One Auto finance 7 times on XX/XX/XXXX. They can not find any record of the loan financing I got from XXXX XXXX  XXXX ( A brand they operated from approx XXXX to XXXX. ) I need to obtain my car title and the XXXX in XXXX will not provide it to me as the lien from 20+ years ago is still in place. 

The people I spoke to at Capital One Auto Finance will not let me talk to a supervisor or escalation unit as I can not provide my account number. I have provided my SSN and the vehicle VIN, but as they can not find a record they said " there is nothing we can do. '' The car still works. I have a young person who can use it, but in order to transfer title to their name and have them obtain insurance I need my title so we can transfer title. 

I financed a car with XXXX XXXX XXXXXXXX in the year XXXX. I think I paid it off in XXXX. I need a title for the car and can't get it as XXXX XXXX XXXX still shows as lienholder. The company can not find record of my vehicle under my SSN, name or the VIN number. 

Where to we go from here? 

My understanding is that the XXXX in IL ( where I live ) will accept either a lien release letter or : Lien contract stating that the lien has been paid in full. Must be countersigned by an authorized representative of the company. 

Looking forward to hearing from someone who can problem solve this situation vs what I've been told which is " we have no record, so there is nothing that can be done '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SEE that a collection for : SKAGIT BONDED COLLECTION   XXXX   XXXX   XXXX     XXXX   XXXX  , WA  XXXX  Appears on my report.
<P/>
I DO NOT HAVE ANY CONTRACT with SBC as they have not ORIGINAL WET INK SIGNATURE WITH ME.
<P/>
You have successfully helped me on past issues like this whereby the collection company has REMOVED the collection.
<P/>
They have not contacted me either by mail or phone and I have no contract with them proving I OWE THEM ANYTHING.
<P/>
THEY ARE NOT the CREDITOR,   XXXX   XXXX   XXXX   IS and since they BOUGHT the DEBT, that 's THEIR PROBLEM, NOT MINE.
<P/>
THE CFPB has set precedent in my case, three times, in past requests, where they FORCED a COLLECTION AGENCY to remove their INTRUSION on my credit report with FALSE information.
<P/>
HAVE THEM PROVE they have an ORIGINAL WET INK signature of mine and I 'll pay them. The WET INK SIGNATURE MUST BE ON THEIR LETTERHEAD stating I OWE THEM the stated AMOUNT and for what reason. I OWE THEM NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a credit card account with JPMorgan Chase bank in 2018. Shortly after opening the account, JPMCB found a previously closed account ( XXXX ) and defaulted all of my login credentials to the old account. Locking me out of my account. 

I missed a payment due to this and JPMCB decided to file a missed payment to credit bureaus. My credit score has been largely effected by this and this is the only instance of me missing a payment. 

from XXXX, and from XXXX. This is the only instance of not paying my CC on time. Due to being locked out of my account because of an error made by JPMCB. Despite contacting them, they declined to withdraw the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Account status incorrect

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

CHARGE OFF XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

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 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Despite the XXXX previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation