BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: Byrider Franchising, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
The short and sweet is this. 
I went to XXXX XXXX for a car. 
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner. 
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork. 
I was duped. The car is not worth nearly what they charged for it. 
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this. 
They are unprofessional and just bad people.

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 2020-03-06
Company: Experian Information Solutions 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:
Recently I was shocked to see this account reporting on my credit by XXXX XXXX XXXX. I disputed with XXXX, Experian and XXXX  in which they verified the account as accurate. 

I requested verification from XXXX XXXX and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, Experian and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.

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 2020-03-06
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:
Recently I was shocked to see this account reporting on my credit by XXXX XXXX XXXX. I disputed with XXXX, XXXX  and Equifax in which they verified the account as accurate. 

I requested verification from XXXX XXXX and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and Equifax and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX Equifax : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I was contacted by XXXX XXXX XXXX about an ability to refinance my loan. He said that he could with a XXXX credit score and lower interest rate than 3.5, which is my current interestrate. He sent an application to my email the same day. On XX/XX/2020 I followed the steps that the application wanted me to. The application asked for all kind of documentation that I sent. Tax returns pay stubs for past year. A copy of my dd214 from military. On XX/XX/2020 I received a call, after I uploaded all the info that the application asked me to, from XXXX XXXX XXXX who told me he had been trying to call me. He said he couldn't get me and that my voicemail wasnt working. He told me that he needed to run my credit. He also said that I jumped the gun on uploading all these documents. I told him that I was just following the prompts of the application he emailed me. He ran my credit and immediately told me that he could not do what he said. I asked him to delete all of my records that I sent his company and he said he would. On XX/XX/2020 I called back because all of my financial documents are still in there system. When I called on XXXX XXXX I talked to XXXX XXXX XXXX and asked him about why my files have not been deleted, he said he forgot and that he would jump right on it. I waited 2 more days and then called again, because my files were still there, and I couldn't get XXXX XXXX XXXX Loan Consultant NMLS # XXXX XXXX On the phone. I talked to customers service to find out if there is another way to help me. Customer service told me the managers said that they could not do this. I have been getting calls from different strange numbers since I filed with this company and I feel like they should not be holding my personal financial information like they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 leased a car from XXXX XXXX XXXX, I had the car for 7 months before the car was wrecked my contract stated that because I paid a damage waiver fee that I was no longer responsible for the lease or the damage. XXXX XXXX XXXX reported this car to my credit as an open on time car loan after the car was wrecked to keep me from being able to get a loan through another company I asked several time just for proof that I didn't owe on this car to be able to get approved for another loan they refused to help me in anyway the only option they game me was to lease another car from them because no one else would give me one now I'm stuck paying for a car I hate and can't afford.

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 2022-07-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge to XXXX XXXX XXXX XXXX store for over {$20000.00} because they had not started my project and I was canceling the project. They sent a chargeback letter XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  was ok with my canceling the project, and the letter told them NOT to credit me back, since they had already processed a temporary credit to me. They had until XX/XX/2022 to respond. I contacted Chase to have a refund check issued back to me for the credit balance on my account after XX/XX/2022. They indicated they couldn't, since the vendor hadn't repsonded. I contacted the vendor and told them they needed to respond to the chargeback letter. They faxed for form back inidicating they agreed to the credit on XX/XX/2022. They sent this to their merchant bank and also directly to Chase. I contacted Chase on XX/XX/XXXX. They indicated they did have the letter, but still wouldn't issue the money back to me. I have called several times since then and have been told different things each time. Sometimes it is that I will get a link, where i can put in my account number and routing number, and have it transferred to my account ( which I never receive ) - Ive been told this 4 times... never comes. I've been told a check will be mailed, it never has happened. No one can actually get the money back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: Ocwen Financial Corporation
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: Reporting company used your report improperly

Complaint:
In accordance with a fair credit reporting act XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2017-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint about Portfolio Recovery Associates They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Portfolio Recovery Associates is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Portfolio needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX # XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This complaint to EQUIFAX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2013, I co-signed for a car with my husband through Capital One Auto Finance. In XXXX 2013, I was XXXX XXXX from XXXX to XXXX. My husband remained XXXX in XXXX. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to XXXX 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged off, I called them and questioned why they never contacted me. They could n't give me any answer. After multiple calls and prodding, they claimed they tried to contact me, but that is untrue. I never received a call from a collection 's agency either, so that I could rectify the situation. I was dealt with unfairly and wrongfully, and now I 'm stuck with this on my credit report and they will not remove it, even after I have disputed it. The car is now in my possession currently, and I want to get rid of it and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I paid my XX/XX/XXXX mortgage payment online at Capital One anticipating that I was to pay it off entirely soon. On XX/XX/XXXX I paid the mortgage off after ensuring that the XX/XX/XXXX payment had also been made. The web site showed that the next payment was not due until XX/XX/XXXX. In spite of this and that I had paid the entire mortgage they took another payment on XX/XX/XXXX. By this time they had removed my account from the web site with any information about the mortgage so I called the XXXX number for Capital One. After explaining the problem I was told that they would transfer the money back to my checking account in 3 to 7 days even though I told them that they had taken the money from my account and I needed the money to pay bills now. 
Seven days later ( XXXX XXXX or so ) I called again since they had not returned the money yet. I was told by XXXX that I had to wait 10 to 15 days and they would then send the information to another group who would write a physical check and then mail it out to me. I told them that this was not acceptable. She told me she would check on what they could do and get back to me within two hours. She never called back. 
I was away the week of XX/XX/XXXX to XX/XX/XXXX and found a few messages on my answering machine when I returned. XXXX from the President 's line at Capital one 360 told me that since I did not answer all of her calls she would not call back again but she left a number ( XXXX extension XXXX ) where I could call her. I called on XXXX XXXX but have not received a call back yet. 
Also on my return last week I found an overnight envelope propped against the door. It contained a check From Capital One made out for the wrong amount from a nonexistent account. 
I would like to have them return the money quickly. If necessary by deposit in my checking account with them and to ensure that they do not take another payment in XX/XX/XXXX. 
I submitted a claim to the wrong department in New York State and they said that they have referred the claim to this agency but I need to make sure because the money that Capital One took from my account is needed to pay tax bills this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XX/XX/XXXXXX/XX/XXXX -XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy 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 2020-03-06
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 have been disputing this account since XXXX of XXXX and the account has been verified by Equifax and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, Equifax and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and Equifax just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and Equifax to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and Equifax have ignored my requests to provide the verification information available XXXX  XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX  removed the account from my report due to the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged by great value vacations XXXX on XX/XX/XXXX On XX/XX/XXXX they sent me an email that they canceled my trip due to covid. They wanted to give me a voucher but i want a refund. 

I wrote them that i wanted a refund on XX/XX/XXXX and they never responded Since they canceled the trip i should get the refund as I was ready to go in XXXX My other credit card XXXX XXXX disputed the amount for the portion i put on that card and that was for {$3800.00} and they were able to refund my money I can email my docs

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