BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
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: Was not notified of investigation status or results

Complaint:
This is my 3rd complaint with the CFPB in regards to the information that is on my credit report, once again I have been denied credit due to whats showing on my credit report, I will share the number that the creditor has compared to what Experian is reporting. This is problematic because my EIDL loan was also denied, if someone from Experian doesnt fix this I will be speaking with an attorney regarding defamation & incorrect as well as inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my checking account in Bank of America received a wire in transfer ( {$6200.00} ) from XXXX XXXX 

On XX/XX/XXXX, Bank of America put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} ). 

After constant and torturing communication with Bank of America ( over 5 hours ' phonecall ), the staff in the wire fraud department from Bank of America told me that it is XXXX XXXX  that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by XXXX Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or uber. 

My request is that Bank of America withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX.account XXXX XXXX , XXXX and XXXX  XXXX, XXXX, gaXXXX.ssn-XXXX.i finished payoff loan auto by jp morgan chasebank, N.A.i went paid it XXXX payoff last days on XX/XX/2018. is closed account.please needs remove lists still on by creitd records compainies.please call them XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I didn't know anything about this until I spoke with XXXX  but according to XXXX   when NAVIENT transferred all of my loans to them they were informed that Loan A was an income indigent (not sure if that is the correct way to say it) loan. According to XXXX, NAVIENT stated that back in XXXX, 2016 I agreed to change this one loan to this kind of repayment loan. I did not do this because I had already submitted my application to the Dept of ED for loan forgiveness and requested that ALL loans be on hold until the investigation is completed. Also, why would I do this for one out of all of the loans they had for me? Because of this I couldn't consolidate all of my loans when I tried to set up a future repayment plan. No documentation was ever received because if it had I would have disputed this with them back in 2016 and going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: NCB Management Services Inc.
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:
Account # XXXX NCB Management Services is not license to collect in the state of Texas therefore according to 15 U.S. Code 1692c - ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 2nd mortgage with Specialized Loan Servicing and typically pay on the first Friday of the month. I noticed they are posting the payments on the following Monday which is causing extra interest to be charged on the loan. I called to check with them on this practice and they told me the only way I can get a payment to post on a specific date is to use their auto pay. I also checked my primary mortgage to see what date they are posting the payments because I use the same payment method and XXXX is posting the payments with the correct date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
There are many complaints about this company : They did threaten to come to my home and " arrest '' me. After the XXXX call, I called and left a voice mail message asking them not to contact me by phone again. If I have a legitimate debt, I told them to send it to me in writing. I received a call from her again the next day as well from another woman representing the same company. This woman 's tone was not as aggressive but she also threatened me. I called again, left another voice mail instructing them not to call me any more and to send me something in the mail if this is a legitimate debt. I also told them I would be filing a complaint against them. XXXX of them calls from a toll-free phone number and the other XXXX calls from a local # XXXX phone number that just rings when you call it. No voice mail. 

In addition, they also called my XXXX year old mom and also threatened her AND DISCLOSED personal information to her about me which made her very upset and nervous because they were telling her I needed to go to court otherwise I would go to jail!! 

Please stop these people and let me know if there is anything that I can do to HELP you stop them!

Company response to consumer: Untimely response
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-03-02
Company: EQUIFAX, INC.
State: NV
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:
My complaint is against XXXX and Equifax. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. XXXX and Equifax ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


XXXX and Equifax is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of XXXX and XXXX and matches the documents. 

XXXX and Equifax is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 sister bought a car XX/XX/2020 and instead of this being on her social security number its on mine with her birthday. Ive spoken to the dealership and the credit company multiple times trying to resolve this and I am having no luck. This should not be on my credit. 2 weeks prior to my sister purchasing her car I had purchased a brand new car. The dealership used my social to get my sister financed. Please help

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI, I do not recognize these inquires on my credit reports on TransUnion I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've bean making payments in advance to my credit card I've made 4 payments to my capital one secured credit card the limit of my credit is XXXX and I've bean monitoring my transactions The negative is my payment which show in my balance before I spent over XXXX dollars I added XXXX which showed negative XXXX and became my balance besides the XXXX I put there first making XXXX in my balance XXXX minimum down to recieve the credit is not shown on the ballance but the XXXX I placed was I spent before putting in a payment of XXXX dollars XXXX $ and that was my XXXX payment my first was XXXX the next was XXXX and after that was XXXX the last was XXXX Before that posted XXXX is what I counted in spending with my transaction history XXXX plus XXXX added to XXXX is XXXX When subtracted from XXXX Its XXXX My money is being laundered After paying off my credit line Of XXXX I should have another XXXX available even though XXXX is positive spending I should've had at least XXXX in credit available but instead my credit was XXXX And it became XXXX when XXXX dollars were processed. 

Which looks acceptable because I spent it But it should have bean added to the XXXX dollars owed in credit All my early payments left a prompt of no payments due And that XXXX dollars should've been added to what I spent in credit before I spent it again Towards me paying off my credit to spend it again XXXX not given in credit or used in my cash advance is missing and I have documents to prove it I'm being told that my balance is what I owe when it's only a portion of what I've put into my account I know my transaction history is what I owe I have no interest rates because I've never bean late on payments This fits with an article sent by the doj it's called holding financial institutions accountable for fraud I'm missing XXXX in credit I should only owe XXXX dollars I've paid in total XXXX None of it is due my credit should be XXXX $ in total and its construed as exceeding my credit limit Which concerns me with the financial/mathematical capabilities of the operaters as well as reading and language skills Also XXXX XXXX concerns me those recieving XXXX XXXX XXXX should operate If it's not a scheme its completely oversighted due to its benefits and if it is the doj state that it's the same Being XXXX  challenged means a relentless XXXX  to try and perform XXXX  when its a war already lost The persistence is tiresome

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: U.S. BANCORP
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Hi there. I have a lease with US Bank for a XXXX XXXX XXXX. I had personal circumstances arise where I have to move to XXXX. I want to point out that when I purchased the XXXX, my driver 's license was from the state of XXXX. My house in XXXX just sold and I would like to take my XXXX with me. However, US Bank won't let me take the car due to the contract ( Section B7 ). US Bank also won't allow me to sell the car to a third party. The only options they are giving me is to purchase the XXXX. However, the XXXX remaining lease payments and fees would be added so the purchase price would be very high ( more than it is worth ). The second option is to drop the car off at a dealership and get a bill for the remaining lease payments plus fees. Both options are very expensive. I have tried to talk with them, but they won't help. I attached the lease contract ( XXXX template ) and their denial letter.

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 2023-09-29
Company: Time Investment Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under TIME FINANCING SERVICES and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: Atlanticus Services Corporation
State: CA
Product: Credit 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:
On XX/XX/XXXX a purchase was made on my Aspire MasterCard for {$860.00} from XXXX. 

I reported the unauthorized purchase on XX/XX/XXXX. They cancelled the account and sent me a new card and emailed me a fraudulent charge affidavit on XX/XX/XXXX. 

I returned the completed affidavit on XX/XX/XXXX with all information including that I was still in possession of my card and that I had had it throughout the month. 

On XX/XX/XXXX they let me know they had reversed the charge and were continuing with the investigation. 

In XXXX the charge was put back on my account. I called on XX/XX/XXXX and was told that XXXX supplied information saying the charge was made by me. I asked if the company could send me the information that supposedly came from me and reiterated that it wasn't me. The service rep told me they'd resubmit the claim for evaluation. She asked if I had any other information I could send and I answered " I don't have any other information since I had nothing to do with the charge or knowledge of the company. '' In XXXX, I realized the charge was still showing on my account. After a little phone tag, on XX/XX/XXXX I reached a rep who ( I think ) then transfered me to the XXXX department. She said the merchant form shows they had my name, email, ID and phone number which is why they overturned the case. I asked to be sent the merchant information. She told me I had to call the office that actually does the investigations and gave me a number. 

I called the number several times and always got a voicemail asking me to leave anumber and they'd call back the next day. I left a few messages and received no call back. 

On XX/XX/XXXX I left a message and someone called back on XX/XX/XXXX. But then they said they couldn't see the full information so I should call directly to investigation ( where I though I had left the message on XX/XX/XXXX ). After hanging up, I realized the number I had just been given was the same number I had called multiple times before. I went ahead and called it again and left a message but have not heard back. 

So I've seemingly never been able to reach the people actually in charge of the investigation and have not received any documentation from Aspire or XXXX of how the charge was received and why it was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02
Company: TCF NATIONAL BANK
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation