BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XX/XX/XXXX I checked my credit score through XXXX XXXX online app and I found two negative inquiries on my credit report, one of them was from I, Q Data international, INC. I called them to find out what it is about and I found that this debt is regarding the XXXX XXXX XXXX in XXXX XXXX. I stayed there from XX/XX/XXXX to XX/XX/XXXX. I paid all charges on time and before I had left. I then wrote them a letter on XXXX XX/XX/XXXX to verify my legitimate debt according to fair debt collection practices. In this letter I requested them 6 questions shown in my letter that I had attached with my complaint. I waited for their response, On XXXX XX/XX/XXXX I wrote another reminder letter to verify the debt. In XXXX I received a letter from I.Q. Data International stating that " they reviewed my dispute and I have to submit another dispute letter to open a new investigation. '' But they failed to provide any documents that were requested from me in my dispute and reminder letters. 
Then I received multiple calls from them, they demanded that I need to pay the debt. I requested them to not call me, but they kept calling me and in XXXX, I received a call from their representative to talk about the debt. I requested him to send me a letter if he had any questions. He then started to use abusive language and started harassing me. I requested him to stop harassing me please, but he continued. I then hung up the call. 
On XXXX XX/XX/XXXX I then sent another letter about the requested documents and the harassing incident, but I never received any notice from them. I submitted my complaint by phone call to XXXX  credit bureau to remove my negative report. Later on I received a letter from I.Q. international along with my billing statement. I then called them on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX XXXX : XXXX about my debt validation and my requested documents. She refused to provide me any further documentation. I asked her about the billing amount and an explanation of the billing statement. She told me that it was the wrong amount they charged me, but she would not tell me why it was the wrong amount and what the correct amount was. I told her I paid every thing including my lease termination fee and all my bills. 
I would like this negative mark removed from my credit report. I can not lease any apartment due to this negative mark on my credit report. I can not buy my dream truck and a house on a low interest rate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX is the name of the company. I sold my house and closed escrow on XX/XX/XXXX. XXXX reported me late as far asXX/XX/XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a XXXX XXXXXXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I paid an artist for a commission ( {$70.00}, {$73.00} including fees ) of a comic page of characters of my own design. This was never delivered, and the artist eventually admitted they were not able to finish it. Afterwards, I asked for a refund, which they agreed to, but never sent the money. I occasionally checked up on them, roughly once a month, but they would simply say they were getting on it. Eventually, they started leaving my messages on read.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: NCB Management Services 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:
Information on this account I would like it to be removed From my XXXX and XXXX be XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XX/XX/XXXX - XXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$13000.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 74 Months Company sold NCB MANAGEMENT SERVICES INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I elected to extend a lease for a Honda vehicle. Honda Financial would not accept payment and cancelled the autopay feature on the website without notice. Then, Honda declared the next payment delinquent and filed a report with the credit bureaus. I had been a Honda customer for five years on two vehicles and never missed a payment. Honda failed to return any messages or respond to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Exeter Finance Corp.
State: PA
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:
Did not give written consent to Inn Exeter Finance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: AFNI INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate reporting done by AFNI. Submitted collection to my credit report for an account that was not mine and that I did not maintain. AFNI is reporting creditor for collection of XXXX. XX/XX/XXXX was reporting date. I contacted company and indicated debt was not mine and to remove. No action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: OK
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 had a rent collections account show up on my credit report via XXXX XXXX XXXX from XXXX. I disputed this with Experian about XXXX years ago and after their investigation they removed this inaccurate collection. I recently applied to three different homes and was denied by all. After requesting my credit file, Experian XXXX  Bureau is still reporting this collection account. I called Experian several times with no help. This has caused XXXX new inquiries on my file, all which have ended in a denial and is further damaging my credit and chances of renting anywhere else. Not to mention I am now out of {$170.00} in application fees. To date this collection account is still being reported.

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 2020-05-06
Company: EQUIFAX, 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company Caine & Weiner ( file number XXXX ) placed a debt on my credit report that doesn't belong to me. XXXX XXXX XXXX, the collector of my account at Caine & Weiner, informed that they provided the correct information for the person that they were looking for ( wrong address, birthdate, and license number ), but XXXX entered the wrong information and placed it on my credit report. When I talked to a rep with XXXX they blamed Caine & Weiner, and said they would have to submit information to correct it. Meanwhile i'm stuck with a negative account on my credit report that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was taken out without knowledge original account hold media location mobile XXXX XXXX XXXX request contract or signed documents with correct name, address & correct information other than just name. Did name receive no documents called are requested collection to be pulled off report for lack of information company refuse to pull off also show proof of debt with original documents with a wet signature on it

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 2020-01-07
Company: NAVY FEDERAL CREDIT UNION
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:
There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied 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 2022-06-12
Company: Experian Information Solutions Inc.
State: IL
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:
No action taken by XXXX  XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

XXXX credit bureau took my disput complaint and never contacted me again.

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 2017-07-23
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, 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:
There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. I have sent numerous letters to the company stating and proving that the information they are reporting and verifying is unverifiable erroneous and incorrect. Likewise, they continue to report hard inquiries on my record that are inaccurate are unauthorized and that have no permissible purpose. This is causing me extreme diress, stress and financial damages. I am ill an have a life threatening condition that requires expensive treatments and costs including XXXX and needing a XXXX XXXX. Thier continuing to report erroneous information is affecting my credit score and ability to get the assistance i need to help cover my medical costs, take care of my family and get the necessary transportation I know need as an XXXX. I have informed them that the remain8ng accounts reported as referenved have failed to provide validation as requested under the FCRA and have admitted they have no signed contracts or authorizations and are unable to validate with documentation as decided in case law. I have also informed them of the responses to the CFPB complaints where they admit they do not have the necessary documentation.

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 2022-01-26
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NC
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 have tried twice to get the payment status issue resolved with Experian I have provided a letter from XXXX XXXX and the payment status still has not been updated! I was never late on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my credit report in XXXX 2017 & noticed " XXXX '' unauthorized inquiries reporting to my TransUnion credit report : ( XXXX ) XXXX/XXXX dated XX/XX/17 & ( XXXX ) XXXX/XXXX dated XX/XX/17. I have written TransUnion several times ( certified mail ) notifying them that the inquiries were not mine, are unauthorized, and were not solicited by myself ( verbally or electronically ) on multiple occasions. I do not have " any '' accounts with these companies, have no interest in their services, and have not requested their services. To no avail, TransUnion has " responded '' every single time with an " explanation '' of what an inquiry is. I have also, previously requested that they " stop '' responding with a letter of " explanation '' as to what an inquiry is - and to remove the inquiries immediately. My credit score with TransUnion is in the mid XXXX XXXX consistently - as I am a homeowner & business owner, and I am very responsible with my credit. Due to these " XXXX '' credit inquiries & TransUnion completely ignoring my admission that the inquiries are innaccurate & unauthorized by myself : TransUnion Credit Reporting Agency has directly resulted in my being denied " credit '' as a direct cause of these unauthorized inquires. Due to me requesting the deletion of these " XXXX '' inquiries and requesting correct, accurate, reporting within my personal consumer credit file to TransUnion for " months '', TransUnion has caused me great stress by damaging my credibility with potential lenders, and has been a direct result of great emotional, mental, and physical stress by lowering my credit score. This is very scary and I have since proactively obtained several credit monitoring services, and of course, these services are being provided to me for a monetary fee. This has been a nightmare! Before these inquiries " appeared '', I was in the " upper '' XXXX XXXX as I am with the other credit reporting agencies. Please help & get this consistent problem of inaccuracy resolved.

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