BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Spent two days and about 3 hours trying to pay XXXX mortgage payment to Loancare. Attempted to access online web page only to get 505 error. Waited overnight and attempted to access to make payment still no access. Called and it didn't recognize my SS # which had previously. Was able to use SS # of wife which is odd. But still not able to pay nor access account. 
Transferring call to customer service and they wouldn't answer and call would disconnect and happened 6 times over an hour. Finally late in day decided to search XXXX and found group Loancare issues and was able to read over 800 members with issues similar and finally 1 post about a data breach/ransomware that occurred middle of XXXX. 
Point 1 - why were customers not immediately notified? 
Point 2 - led to believe the webpage updated I added banking information ( which I would not have had I known of breach ) This company owes each customer a grace period and no interest on the balance until the issue is resolved and account protections against loss of personal data.

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 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im XXXX my purse was stolen with me and my childrens important information inside. I immediately made a police report. Later on I get a notification from my the bank ( XXXX XXXX XXXX ) that my account had been over drafted I immediately informed the bank of my situation. To my knowledge they corrected it. Later down the line this same account appears on my credit profile. I contacted the bank again in XXXX they asked me for a police report I sent it to them and also all 3 credit bureaus. XXXX and XXXX removed the accounts immediately following my dispute including documentation. Equifax is constantly saying that the account is verified when this same account had been removed from two other credit bureaus following my last dispute. This is really hurting my credit profile. I have constantly called and constantly disputed these two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I planned on selling my vehicle on the week of XX/XX/XXXX. I shopped around and received different quotes from local dealerships. XXXX XXXX at XXXX offered the highest trade in value. When they ran my payoff account, it was {$24000.00} if paid by XXXX XXXX. I sold my vehicle on XXXX XXXX. Suddenly the payoff amount changed to {$25000.00}. I called Toyota Financial and the lady said that the payoff amount increased to include next months bill. Why would you post a due date for a payoff amount and then change the payoff amount before the previous payoffs due date? The dealership said that they have to follow the new payoff amount but the TFS representative assured me that I would only be charged the {$24000.00} amount because I am paying before the XXXX XXXX due date. The dealership submitted the payoff amount of {$25000.00} on XX/XX/XXXX and I noticed on TFS website it only shows that {$24000.00} posted. I called and TFS is claiming thats the amount the dealership submitted but the dealership is claiming that they were only allowed to submit amount of {$25000.00} and TFS is supposed to write me a check for the overpayment. Its been almost 2 months and TFS has yet to send me a check for the overpayment of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: NCD Financial, LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Company NCD Financial LLC is showing as an open account for over 2 years and it should be a closed account. This information is inaccurate! Also it is only showing on XXXX and not the other agencies of XXXX and XXXX. The company is NCD FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to use my AMEX GIFT CARD at XXXX  in person, online, at XXXX on line, XXXX XXXX on line, and XXXX, each retailer declined the card. Called AMEX 3 times, asked for a supervisor because the custmer service rep could not help me, was put on hold for 20+ min each time, called back same thing. No one can tell me why the card keeps getting decline, every time there was a different answer and when I questioned it they had no response. I have one card fro {$160.00} and one for {$220.00} that are useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Credit reporting 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:
XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : CPS Inquiry Type : Hard 4. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : CONSUMER PORTFOLIO S Inquiry Type : Hard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my information to purchase an item through affirm. I called affirm personally and told them the account was fraudulent and did not authorize any purchases. The representative told me that she was removing my information from the fraudulent account and was going to take care of the charges. They did neither. I did not make these purchases and i should not be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: TX
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 am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
15 U.S.C 1681 SECTION 602 A : States that I have rights to privacy. 

15U.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 1692 C : 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 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States that a consumer report should not include information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account because i had used the words XXXX XXXX XXXX when speaking to an employee after they locked my card. I called and no one told me why i was closed they said you got ta wait for mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
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 was checking my credit score with Experian after being rejected by XXXX XXXX for a credit card. I come to find out two XXXX XXXX XXXX credit cards in my name with unpaid balances. Account numbers XXXX and XXXX. I did not open any XXXX XXXX XXXX credit cards, but I was getting phone calls that the phone caller ID shows as XXXX XXXX XXXX with people asking if it is me. I disputed the issue with Experian who indicated the company reported the information was certified to Experian that the information is accurate. I know believe XXXX XXXX XXXX used my personal information to open unauthorized accounts based on the recent case involving XXXX XXXX XXXX. Any help would be appreciated.

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 2023-02-01
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: Personal information incorrect

Complaint:
I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX New Jersey XXXX It is unlawful to report information on a consumer 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 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 Capital One Bank froze my personal checking account with the amount of {$110000.00}. They stated that this was due to wire fraud, I sent 3 wires totalling around {$50000.00} to 2 domestic companies for products being bought. Capital One Bank stated that I could do business transactions on a personal checking account which I was not aware of. Before this issue took place I didn't try to open a business account online and at a Capital One Cafe which I couldn't do at neither place since I am in California and no branches are around. Since day 1 I have been very transparent with them providing contact information of incoming and outgoing wires so they can verify that no fraud was being done here. It has been over a month now and I still have no resolution even though I call on a daily basis trying to plead my case and push for them to contact the companies for wire verification. Not only have their employees been rude mainly their XXXX XXXX XXXX which the only place that would take my calls because when I would call a XXXX office I would get sent straight to a voice mail as soon as the agent heard it was me, totally unprofessional and very frustrating. Capital One froze literally all my assets right before the first of the month for what I believe is totally unfair, I have had to borrow money to pay my mortgage, bills, food, clothes for my kids etc. Today is XX/XX/XXXX and mortgage and bills are due again and still no resolution from Capital One Bank, I have no one to lend me money no more to pay my bills this month and will soon have late fees on everything and this will for sure now impact my credit score. Capital One Bank is by far the worst bank in history I have ever dealt with including their employees, I can't believe this is happening to me, I've heard of horror stories that were hard to believe but now I am living the worst. Please someone help me get my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Account are closed due to fraud and unable to open new account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: DISCOVER BANK
State: CA
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:
Today, XX/XX/23, I tried to make a payment on one of my family credit cards. We were the victims of bank fraud this week, so we had to move money around and open new accounts, so I didnt get to the site until the afternoon of the due date, about XXXX local time ( XXXX XXXX ). Oh, but apparently Discover has decided that the only valid time zone is Eastern, so they shut down payments at XXXX XXXX. So I cant make a payment today, the day Im actually paying. Nope! The payment will be applied tomorrow and well be charged a late fee. Calling them made no difference, though they did agree to waive the late fee. You know, just this once. 

This is a disgusting, predatory racket that allows them to charge people unwarranted fees and negatively impact peoples credit scores. I work with other banks and entities that accept bills as paid up to midnight local time. All banks should be required to do so in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have fell past due on my mortgage on XXXXXXXX XXXX XXXX I am writing this letter to explain my financial hardship that caused me to fall behind on my mortgage. On XX/XX/2014 I was diagnosed with XXXX XXXX XXXXXXXX and became very ill, due to my illness I missed a lot of workdays which my position was replaced, and I lost my job. After receiving treatment, I finally went back to work after a year then due to XXXX related blood vessels I suffered a XXXX which placed me out of work again due to my XXXX XXXX XXXX I was not cleared by my doctor to return to work. Thank God I am back to work now, and my health issues have all been resolved. During this time, I requested for mortgage assistance while I was only a few months behind, each time Id submit for loss mitigation as per their request the process would takes months only to always request documents over and over again even after already submitting these to them on numerous occasions. I feel that PHH intentionally delayed the review process just to foreclose on my home. I have offered PHH XXXX  XXXX {$35000.00} to show as good faith in hopes we can work on a home retention options but they have denied every attempt Ive made. As well PHH initiated foreclosure while I was in review for assistance as per CFPB guidelines I feel PHH is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-05
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-06
Company: Experian Information Solutions 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX ( I Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/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 2023-01-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief