BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: EQUIFAX, 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:
I'm a law-abiding citizen and a human being. I have rights under 15 USC 1681.

Equifax is governed by USC 1681.And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also included an attachment for XXXX XXXX XXXX the collections agency expired license status since XXXXAlso an attachment Equifax admitting they have had added and listed a collection account more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Media Collections, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. 

At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. 

I have asked for proof of my alleged debt and all they send is account statements.

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 2022-09-04
Company: Netspend Corporation
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Im not sure how their cars even go on my XXXX pay account, I lost my NetSpend card that I very rarely use a while ago and had my personal bank card on there, but my son sent me {$50.00} XXXX  days ago on XXXX XXXX, I needed it badley for gas to get to work the next day. When I checked my bank account it wasn't there, I saw my bank card was no longer in there but a NetSpend card instead, I called and told NetSpend that my card was lost or stolen and needed them to transfer my money to another account because I badley needd it, first they said I had to order a new card and pay for it, then they said they would do it if I agreed to let them take XXXX out for a monthly fee payment, then they said they couldn't activate one of my other NetSpend cards I have, then they could, then they couldn't get it to activate and I'd have to buy a new one, then they could send it to my bank, then they couldn't, then they said in Friday, after I missed XXXX  days if work and spent XXXX hrs in the phone with them lying to me over and over and hanging up in me when I asked to speak with a supervisor, they promised Friday afternoon my money would be in my bank after they charged me XXXX for a transaction fee that was supposed to be free, that it be in my account and promised in 1 hr, then I get an email after they close in Saturday they need a picture of my ID card, my social sec card and mail with address, why? For a prepaid card I'm afraid they can now steak my identity these people are scammers and liars, now it's Sunday still no money I can't log into my account, they gave me blocked and have every piece of my ID, and I call and she hangs up on me yet again, I needed that money 5 days ago. It's cost me 2 days if work, and I am so stressed out and upset with being in the phone all day and getting hung up on and lied to, I just want my money, have been suffering for a year now with IRS identity theft and my bank account and financial set backs because of it I don't have extra money nor does my son who sent it to me, how can these people get away with this, I can't even understand what they are saying, and they don't seem to know aht they are doing, everytime I call there's yelling and screaming in the background like they are at a tavern I'm sure they can't hear me either, it's very unprofessional and now I am afraid they aren't going to protect my identity because they seem so uncaring and crazy. I am horrified I can't even sleep I'm so upset and worried.

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 2017-06-27
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:
I have written several letters to Experian, XXXX and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my 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 2019-11-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Subsequent to the large data breach in 2017 the credit bureau that caused it gave us free access to a program called XXXX XXXX at a competing credit bureau, Experian for one year. This complaint concerns Experian. Last week I and my husband each received two emails from Experian/XXXX XXXX stating that our protection had run out and our accounts were unfrozen. Since it was about time for our free protection to run out anyway, I thought the emails were probably legitimate. I did not click the link in the email because of concerns about phishing. So I attempted to place a simple freeze on our credit at Experian through their website. First, I got a statement that the accounts were already frozen. This contradicted what the emails said. So I went back later to the website to double check and they repeatedly told me they could not process my request. A phone call resulted in no response from any human being and no access to any human being. The computer generated response over the phone was that our accounts were still frozen. I have no idea whether they are frozen or not and I can't reach a human being to find out. Meanwhile, we may or may not be exposed to any fraudster who wants to take out credit in our name.

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 2022-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon receiving my Consumer report # XXXX from EXPERIAN XXXX I noticed the are still reporting inaccurate personal information on my file. Address ID # XXXX Not my address/ Address ID # XXXX Not my address Please delete these addresses and update my file.

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 2022-09-04
Company: WorldRemit Corp.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I tried to send {$200.00} to a friend in XXXX via XXXX XXXX transfer through Worldremit on XX/XX/2022 It turns out there's a daily limit of {$100.00} so the transaction was frozen. I searched for a refund button on the Worldremit website but was unable to find one. I called Worldremit about the problem with transaction # XXXX. They quickly found the transaction and said they'd work on it. On XX/XX/2022 I received an email from Worldremit saying, in this case the recall was unsuccessful, and nothing further could be done with an apology for any inconvenience. My complaint is what happened to the {$200.00}?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-11-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I already filed a complaint about Equifax not reporting my positive credit. Now I am asking them to remove the fraud alert I never requested.. I have sent in my Drivers License and Social Security Car and proof of Address. They have ignored me and refuse to complete my disputes. I have a utilization of 92 percent which is inaccurate. I have called many times and they are clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midlantic credit management repeatedly calls my phone harassing me causing so much stress an XXXX. XXXX XXXX XXXX  is the is the company the debt came from. Midlantic credit management is a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: LA
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, Account # XXXX ( XXXX XXXX  ) 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Huntington national bank was a horrible process just to get the loan an even after has been horrid me since To get an fha loan you have to have insurance well I went ahead an call Huntington an said Ill take their insurance low an behold a year later went to make a claim so I called Huntington to see who to talk to about the claim and was told XXXX well I called XXXX an was told no policy was in place so I called Huntington back and they said oh ok its XXXX heres a policy number Well XXXX  said no policy was in place so once I told Huntington that they forced placed insurance that was XXXX $ more a year an XXXX on me because of their mistake so now a year after that I get a letter sayin Im gon na owe XXXX $ for more force placed insurance from before I made the claim in my eyes Huntington did not have all the requirements for the loan ( insurance ) an my loan should be terminated at their expense I want out of my loan out of the house an no percussions from their mess up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04
Company: Pacific Credit Exchange Corporation
State: TX
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:
Date Assigned XX/XX/2021 PACIFIC CREDIT EXCHANGE Original Amount Owed {$4600.00} Amount {$4600.00} that i owe i have never signed any written document that I owe this debt to the collector.

they are violating my rights of the FCRA as a consumer.

I do not know who they are and have written consent from my end.

also, they have not verified that i owe this debt to this alleged company.

Please have this removed from all three credit bureaus. 

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 explanation
Consumer complaint received 2021-04-17
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: Experian Information Solutions Inc.
State: TX
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:
InXX/XX/XXXX, while trying to purchase a vehicle, I was informed, by the bank that my score was different than that reported by XXXX XXXX for XXXX and XXXX. As a result, I was denied credit. XXXX score showed XXXX, Experian XXXX. the bank showed XXXX. I enrolled in XXXX to try and get a more accurate score. {$19.00} month subscription, plus {$29.00} to get all three reports. those scores have been consistent as to what XXXX XXXX was reporting, along with the score reported by my XXXX XXXX credit card, XXXX XXXX XXXX, and XXXX XXXX ( credit monitoring by XXXX XXXX XXXX ).
<P/>
After doing some things to boost the score. Yesterday (XX/XX/XXXX ) I checked my scores on XXXX, my scores were, XXXX XXXX, XXXX XXXX, and Experian XXXX. I went to XXXX XXXX XXXX XXXX XXXX to try and refinance my rv. With the scores showing on the XXXX site, I would have been eligible for the financing. I was informed by the bank I has an Experian Score of XXXX ( 98  point difference ) and was given a copy of the report. I was denied. I went outside and enrolled in Experian Credit tracking. {$20.00} a month. Their 3 scores were XXXX XXXX XXXX XXXX ( the only one in the above range ), and Experian XXXX ( not a XXXX ). I called the support line for Experian. She stated that there are 1000 's of scoring models and that the banks and dealers can essentially make up their own scores and they cant be held to the scores they post. she also stated, that in their system, there were 4 different models, one of which showed a XXXX score. I would have NEVER gone to an institution with a score sub XXXX. I have bought 3 new vehicles sinceXX/XX/XXXX. two were at 18 % ( with the same bank ) and the most recent, 16.1 %, which the dealer called and friend at the bank to do the loan. I got it refinanced last week at 12.99 %. I have had 1, 30day late payment in 5 years. yet my score stays hovering around XXXX. And banks see an even lower score than that. This scoring in costing me {$1000.00} 's in interest. I spoke with a credit repair lawyer yesterday after all this, he stated that I need to go into the banks KNOWING my score will be 50 to 70 points lower than showing.
<P/>
there are 2 scenarios that are happening 1 ) the credit bureaus are defrauding the customers by making issues for you to keep paying for their services.
<P/>
2 ) banks are not abiding by the fico score system they say they use to charge outrageous interest rates.
<P/>
3rd ) both I should see

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 2017-06-27
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}. <P/>I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ). <P/>My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account. <P/>Therefor ; I am making a claim for my funds in the amount of {$2000.00}. <P/>Thank you for your time with respect to this situation. <P/><P/><P/><P/><P/><P/>Sincerely 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 explanation