BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: CA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : 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 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MA XXXX Equifax Employer : XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated robo calls from Navient and now XXXX XXXX. I have contacted Navient to tell them I have no outstanding loans or debts. I have no idea what they want. When I call their number, I get only a menu for repayment but no person. I have filed numerous complaints with the do not call service. I suspect they have an incorrect phone number or a fake number. It seems no one is willing to investigate their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I, XXXX XXXX XXXX, am the consumer. After discovery and review of my consumer report, I found that Transunion has reported information on my consumer report without my written permission which is a form of Identity theft. The law clearly states : " XXXX XXXX XXXX Permissible purposes of Consumer Reports ( XXXX  ) in General Subject to subsection ( XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates '' I never gave Transunion permission or consent to report any information on my consumer report and they have not provided documentary evidence to prove that I gave prior consent. No consent is identity theft. 

ACCOUNT ALLEGED AMOUNT XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX {$19000.00} XXXX XXXX {$5600.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchants Credit Guide {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 I shouldve never received this bill this is a Medicare issue has nothing to do with me merchants Credit guide has talked to my insurance company as well as me and told me they would remove it last year now they are fraudulent reporting this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day XXXX days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, and it has been well over XXXX days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and updated to paid as agreed. My information was also impacted by the Equifax data breach. Unauthorized accounts XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Walked into PNC bank branch in XXXX IL to deposit a check. Was interrogated as if I was performing fraud. Advised employee my check was legal and after further investigation it was deposited and I was told it would be " available '' to me within 3 days. After 3 days the check was placed on a 10 day hold and was unavailable to me. I reached out to customer service where I was talked to like a criminal again and ultimately hung up on because I was trying to get better understanding as to why I was treated this way. Calls are recorded and I'm extremely disappointed in this experience and looking forward to closing my account and exposing PNC for the low level business that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2018-05-31
Company: JPMORGAN CHASE & CO.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Chase not working with us on the vehicle loan. We had fallen behind due to XXXX XXXX  and slow receivables. I had a serious setback due to an inpatient XXXX XXXX crisis. My wife and I both are currently under doctor 's care. Chase had told me if I catch up a few payments I was eligible for an " extension '' on the loan. Then after I made the payments, Chase denied the " extension '' in XXXX of 2018. So they lied to me. They are the only creditor who refuses to work with me on a repayment plan or payment arrangement. When I call them, all they do is bully me and scold me. A supervisor was apathetic to my XXXX XXXX problems, and told me how many times the account had fallen behind, as if my XXXX XXXX problems are not real and just go away when you want them to. This is commonly known as " XXXX XXXX XXXX '', whereby an individual will have sympathy for a XXXX or XXXX patient, but apathy towards someone with a XXXX XXXX issue. I am sure I am not the only borrower they have ever had who fell behind due to illness. I have made payments in good faith when I can, and the account is really not in " serious delinquency '', averaging only about 30 days past due. I may have an opportunity to borrow some money soon to get it caught up, and I have told them that. If they would just work with me and be patient they will get their money. However, they just continue to threaten how they are going to " repo '' the vehicle, which makes no sense, as they will end up with the loss. If this continues, they will leave me no choice other than to seek relief under the US Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a  one  time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PORTFOLIO RECOVERY aquired my information from XXXX XXXX  without my consent and the original contract with my signature. This account was opened in XXXX and in XXXX it makes 7 years to be deleted but its still on my account in XXXX. I have wrote certified letters to each bureau and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: OneMain Finance Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
XX/XX/21 I applied and was approved for secured loan with One Main Financial. I was approved and uploaded required documents for a check disbursement from a XXXX in the XXXX, MN branch. I signed all the necessary documents in the branch via a computer. I was told my loan would be disbursed immediately. 

I cancelled an important meeting as to meet with her in person and obtain check. XXXX the wrong payoff on my vehicle from the current XXXX holder. I informed her such information was incorrect. XXXX was very abrupt and rude and told me, " she waited on hold XXXX minutes to get my pay off amount and that it was correct! '' She then said she was, " Done and that I had to leave the office immediately '' without offering any other information. 

I contacted the OneMain XXXX XXXX in XXXX, IN and was required to leave a VM and wait for a call back. As of the time of this complaint no one has returned my call. 

I then called XXXX -- XXXX and was told I had to go through the sales center and could not visit a branch. I was transferred to a XXXX, referred as my, " closer. '' XXXX then told me he had all documents necessary except for my vehicle registration and to upload that via my OneMaiXXXX account on line. Trying to log into my online account, but it is NOW MISSING! 

I then called OneMain XXXX number again and I was put on hold XXXX minutes ONLY TO BE TOLD SHE HAD TO TRANSFER ME. I was transferred to the main number once again! That representative told I had XXXX applications on file. I only applied for XXXX and have submitted and filled out ALL DOCUMENTS AND SIGNED LOAD DOCUMENTS THIS morning with XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got 2 things on my Hard Inquires that I have no knowledge of the TJx and XXXX XXXX  account I know about only one in that's the XXXX me and my wife just open up account there. The other 2 I do not know about never been out of state and don't know about them places at all. So I'm looking to get them removed as soon as possible please and thanks.

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 2017-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding previous complaint #   XXXX  . I received  General Revenue 's   correspondence and it was mailed to the wrong  apt number.  Please mail correspondence to   XXXX   XXXX  . Or better yet, please submit all correspondence through this web portal CFPB. Thus the fake correspondence is a print out of the alleged item that 's on the credit report. It is not an actual contract or agreement- anyone can draw up a fake bill. Per FCRA I am requesting the  Method of Verification.   Please produce the actual contract or agreement with my signature from the alleged creditor. In addition, I need the the person 's Name, Address, and  Telephone numb er who verified this alleged item.

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 2021-11-19
Company: CITIBANK, N.A.
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:
XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {XXXX} limit. They spent {XXXX}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for XXXX  years. XXXX is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least XXXX times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.

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 2017-04-25
Company: Trident Asset Management, L.L.C.
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: Old information reappears or never goes away

Complaint:
XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Capital One credit card payment is usually due on the XXXX of the month. I made my payment to Capital one the morning of the XXXX but the statement said the payment was late and I was charged a {$40.00} late fee. I called and talked with XXXX and he advised that the fee could not be removed because the payment posted on the XXXX. I have included the statement and it shows that the fee was added on the XXXX. I like Capital one an I think that they are a good company. However, I am disputing the fee. 
I am requesting that XXXX correct the statement, remove the {$40.00} fee and also report to the credit bureaus the correct information that my payment was not late.,

Company response to consumer: Closed with monetary relief