BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
This week I recieve some random letters and documents from XXXX XXXX Bank, but after more than 30 days of claims and requesting specific documentation, XXXX XXXX Bank clearly FAIL to provide me a Signed contract between my person and them. When I mean signed contract I mean a contract with my signature and an XXXX XXXX bank representative signature, date and or time on the contract. Neither XXXX XXXX bank provide me wit the contract between them and XXXX XXXX XXXX where stated for how much they sold this account together with all my 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 explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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:
these are the inquiries i didnt authorize and are fraudulent on my credit report 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 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}

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 explanation
Consumer complaint received 2015-08-26
Company: CASHCALL, INC.
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was given a payday loan of {$2600.00} from a Company called XXXX XXXX back in XXXX of XXXX. This loan was illegal in my state of NJ. I found that out after taking the loan, and after I had paid back over {$1800.00}. Payments were {$290.00} per month, and hardly any of it went to principal ( probably less than {$20.00} a month ). 
Once this loan was issue, it was immediately taken over by some company in California called Cash Call so that it would look like a legitimate installment loan. 
I was advised not to pay anymore money to this company in XXXX of XXXX. They were taking money out of my bank account, but I changed the account number once I was told not this loan was illegal. 
I have complained about this company previously. They keep sending me offers to make payment on a loan that has now grown to over {$10000.00} ( {$10000.00} ) from an original loan of {$2600.00} of which payment of {$1800.00} had been made. 
They are asking me to settle this loan for XXXX lump sum of {$1200.00} by XXXX/XXXX/XXXX, or make XXXX payments of {$170.00} starting by XXXX/XXXX/XXXX. 
I am not paying them another cent for an illegal loan that they did not initially make! 
Why are these people allowed to stay in business???? they are crooked and charge up to 300 % in interest. 
I want them to cease and desist their collection efforts and wipe this loan off their books and my credit report. Pls help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX, has violated my rights. 

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

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 2016-10-17
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LoanCare became the mortgage services company for my existing loan, to be effective XX/XX/2016. LoanCare provided no correspondence prior to the due date. I received a letter from the old mortgage company, and submitted payment to the address on the letter so I would not have a late payment. I confirmed with my bank that the payment went through XX/XX/XXXX, and resubmitted it XX/XX/XXXX. Each payment was for {$3800.00}. On XX/XX/XXXX I received a statement stating no payments had been received since XX/XX/XXXX. I called customer service after checking with my bank, and advised them I had proof of payment. I was told that I need an electronic statement from my bank, but XXXX XXXX told me that the proof of payment I provided was all that could be submitted. It was determined that the account number which I had on my payment was the incorrect account number and my payments were credited to someone else 's account, but LoanCare refused to make the correction at that time. The representative told me " How can we be sure you did not mean to pay someone else 's loan instead? ". To be clear, my account showing was past due for XX/XX/XXXX and XX/XX/XXXX, and they had my payments for XX/XX/XXXX and XX/XX/XXXX, which came in with my name on them, and my home address matching, and this was their response. Additionally, I informed them that I was upset to never have received a phone call, which they argued with me stating they did, treating me as if I am a liar. I have all of the call logs through XXXX and they never called once. I was told I would receive a phone call to confirm that the issue was resolved, but they never called me back. I was assured by Customer Service Rep XXXX # XXXX that this would not be reported to the Credit Bureaus, but I learned on Sunday, after having my credit limit dropped by XXXX, that in XX/XX/XXXX, they have reported my account as 60 days past due, and that has resulted in my score dropping from XXXX to XXXX. This has an immediate and very serious impact on me and my husband and it is through the carelessness of LoanCare. 
Furthermore, when they made the adjustments to my account, I do not believe they appropriately adjusted the interest and they are over charging me for 60 days on {$330000.00}, even though they were in receipt of those funds on time. 
Additionally, I have provided my contact information multiple times and it still does not appear on my customer profile. This is negligent and increases the likelihood that this type of problem exists for their customers.

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 2021-09-29
Company: EQUIFAX, INC.
State: FL
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:
ON XX/XX/XXXX I MADE A PAYMENT AGREEMENT WITH THE CREDITOR " XXXX XXXX '' ON MY CREDIT REPORT. IT WAS A CHARGE OFF. XXXX XXXX  HAS NOT REPORTED PAYMENT OF THIS CHARGE-OFF 'D ACCOUNT AS " PAID OR PAID CHARGE-OFF ''. I HAVE DISPUTED THIS 2X ALREADY. ASKING TO HAVE THIS ACCOUNT REPORTED ACCURATELY AND SPECIFICALLY AS A " PAID - CHARGE-OFF ''. CURRENTLY MY CREDIT REPORT UNDER THIS ACCT HAS MY " CURRENT ACCOUNT STATUS '' as CHARGE-OFF '' I GET EMAILED THAT THE DISPUTE HAS BEEN RESPONDED TO. THE DISPUTE ASKS FOR " VERIFICATION OFF PAID CHARGE-OFF AS AGREED '' STATUS THE CREDITOR RESPONDS " THERE IS A XXXX BALANCE / ACCT IS CLOSED '' AND IM TOLD THAT THIS DISPUTE HAS BEEN ANSWERED. IT HAS NOT BEEN ANSWERED... THEY DID NOT EVER STATE THAT THE CHARGE OFF IS PAID OFF AS AGREED. EQUIFAX REPS TELL ME THAT THEY HAVE RESPONDED TO MY DISPUTE... BUT THEY HAVE NOT. EQUIFAX TELLS ME THAT " ACCOUNT PAID/ XXXX BALANCE / ACCOUNT CLOSED MEANS " CHARGE OFF PAID '' BUT WHEN I ASK THEM TO THEN CORRECT MY ACCOUNT STATUS TO REFLECT THE DISPUTED " CHARGE OFF as " PAID CHARGE OFF '' THEY SAY " XXXX XXXX NEVER REPORTED THAT IN THEIR RESPONSE TO MY DISPUTE..THEY SAID XXXX BALANCE / ACCOUNT CLOSED '' THEY CANT MAKE CHANGE BECAUSE IT WASNT REPORTED THAT WAY '' I SAY ... THEN THEY HAVE NOT ANSWERED MY DISPUTE!!!! I ASK FOR A SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 4X IN A ROW ON XX/XX/2021. 

CANT BE RESPONDED TO DISPUTE ... .THEN SAY YOU CANT MAKE CHANGE BECAUSE THEY DIDNT SAY IT IN DISPUTE DIRECTLY... THEM NOT ANSWERING IF THE ACCOUNT IS A " PAID CHARGE OFF IS WHAT I DISPUTED AND WHY ITS NOT REFLECTED ON MY REPORT. THEY NEVER ANSWERED THAT ... .BUT SAID AGAIN ... XXXX BALANCE - ACCOUNT CLOSED. THAT WAS TAKEN AS AN ANSWER TO MY DISPUTE ABOUT IT BEING A PAID CHARGE OFF. 

THEY REFUSE TO ACKNOWLEDGE DISPUTE WAS NOT ANSWERED PROPERLY THEN AND SAY THAT IT IS BEING REPORTED PROPERLY. PLEASE HELP WITH THIS ISSUE AS I HAVE DISPUTED MULTIPLE TIMES WITH EACH AGENCY WITH NO PROPER RESULTS ON DISPUTES OR HOW REPORTED ON CREDIT REPORT. EQUIFAX IS RUDE... UNPROFESSIONAL UNWILLING TO FOLLOW OR MAINTAIN THE GUIDELINES THAT CREDITORS HAVE TO ABIDE BY IN THESE INSTANCES AND I WAS TOLD TO CONTACT CREDITOR... REALLY ... I DID.. THRU EQUIFAX AND THEY TOOK A NO ANSWER AND MADE IT AN ANSWERED AND CLOSED DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2016-02-04
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from LoanCare to XXXX over a year ago now, my payment for XXXX 2015 was sent to LoanCare, but was never forwarded or returned to me. I have called both XXXX and LoanCare for resolution and they continually give me the run around, I have multiple tickets in with LoanCare regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, XXXX is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at XXXX that the truth is they would never do anything about it. Essentially LoanCare and/or XXXX is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX  XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}

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 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2016-07-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed this error ( debt that I do not owe ) XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. This agency never responded on either dispute. They finally responded when I filed a complaint but still did not resolve this matter, claiming that they could not find the account and needed me to provide them with more information. I have provided my name, my social security number, my birthday and my address. The burden of proof is not on me. This erroneous debt is defaming my name and causing me to be denied for credit. By the laws of the finance code Sec 392 their time to respond or investigate is up. If this company needed more information they could have requested that from me when I first disputed this error. I need this deleted from my credit file immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Friday, XX/XX/2021 I attempted to make a payoff payment for my recently purchased Toyota vehicle. I navigated to their website ( XXXX XXXX XXXX ), used my login information, selected " Payoff Options '', " Get Payoff Quote '' and received an error message stating " We are unable to process your request at this time. Please try again later. '' Every day, including today ( Wednesday XXXX, XXXX ) I have run into this same problem. With this being a new loan I did not have access to a previous billing statement or other paperwork that provided me with a customer service phone number. I attempted to access customer support or a phone number on their website ( choosing " Support Center '' from their drop down menu ) but again received the same error message. I have tried every day since Friday XX/XX/XXXX to make a payoff payment or contact customer support to no avail. I even contacted my dealership but was told I could not make or submit any payments to them and needed to go on the Toyota Financial Services website. On the evening of Tuesday XX/XX/XXXX I received a customary Privacy Practices notice from Toyota Financial Services via snail mail. This was the first time I was provided with a customer service phone number. I called and the offices were closed. I called again the next morning, Wednesday XX/XX/XXXX at XXXX and spoke with a representative ( Agent ID XXXX ). I received a payoff quote, daily interest fee information, and instructions on how to make this payment. I described my concern that I was being charged a daily interest of {$1.00} for days that I tried to make a payoff payment on but could not due to their website errors and inaccessible customer service contact information. The representative stated that because I signed a contract stating that I would pay daily interest for all days that I carried the loan that the interest would not be waived. I asked to speak with a manager and was told that a manager would not waive the interest fees either. I asked to speak with a manager anyway. The agent agreed to " file a complaint on your account '' and told me that I could hear back from a manager within the next 72 hours. I have submitted a bill pay through my bank for the payoff quote total of {$10000.00} which I am told reflects total balance plus interest on XX/XX/2021. My bank bill pay receipt reports that Toyota Financial Services will receive this money on XX/XX/XXXX. I am unfairly being charged daily interest of {$1.00} for XXXX XXXX XXXX, a total of {$8.00}. If their website was working I would have been able to receive the payoff quote and make a payoff payment by XX/XX/XXXX, which I was fully prepared to do. This is a minimal amount of money, but it is not their money to keep and their behaviors represent predatory practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called BBVA Compass Credit Card services to pay my credit card to XXXX and close my account. They informed me that they do not know how much I owe, and they can not calculate the accrued interest for me to pay it off. I was confused and asked how do I pay off my account and close my card, they said you can do that by phone. I said, I am on the phone, what do I need to pay this off? He continued to state he can not calculate the interest for me to pay the card completely to XXXX. So now I have a credit card I can not close nor pay off? Please Please help, I am poor and unemployed and this is scary situation that I have a Credit card that I can not pay off due to a company that gives me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A new checking account was opened in my name on XX/XX/21 with Huntington Bank. I was alerted because an account creation email, online banking confirmation email, two email address change and two phone number change emails were sent to my personal email address on XX/XX/21. I reached out to Huntington Bank on XX/XX/21 and they confirmed a new account was opened but would not tell me what email address or phone number was listed on the account. They closed the account.

Company response to consumer: Closed with explanation