BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2023-01-20
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a mail from " Credit Collection Services '' regarding to a bill from " XXXX XXXX '' with XXXX unpaid bill on XX/XX/XXXX. The file number is XXXX XXXX XXXX. And the DOS is XX/XX/XXXX. 

Since I never use this service and can't recognize the bill, I wrote a certified mail to " Credit Collection Services '' on XX/XX/XXXX to ask for verification of this debt. However, I didn't get any verification of this debt from Credit Collection Services at all. Instead, this company keeps on sending mail for the debt and report this debt on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, Ive contacted carmax on XX/XX/XXXX. I told them my information was compromised and it wasn't me that obtained the vehicle. ive been a victim of identity fraud in the past and I've had my drivers license number changed due to the situation I've had a police report made and I sent in all the necessary documents to the creditor, the creditor still didn't remove from my credit report. the address that's attached to that loan is not even on my credit report. So I'm frustrated and confused because I care too much about my credit and my financial responsibility. Its also pass the statue of limitations its been on my credit since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am victim of ID theft. A thief used my information to open a Capital One credit card using my personal information. I do not know how this person got my information, or who is doing this. This credit card was opened around XX/XX/XXXX, I discovered this XX/XX/XXXX. I reported this to Capital One as fraud and also XXXX. XXXX submitted documents on my behalf to verify my information with Capital One and to start a fraud claim with Capital One to get this resolved. During this process many documents were sent to Capital One and finally on XX/XX/XXXX my XXXX agent reached someone in the Capital One fraud department named XXXX. XXXX told my XXXX agent that this Capital One card was closed as fraud on XX/XX/XXXX and would submit a request for a letter to be sent to me showing this is closed. Then on approximately XX/XX/XXXX I started getting more statements in the mail with Capital One requesting payment from me. Then to add insult to injury they have now reported this to a collection agency called XXXX XXXX XXXX ( XXXX ). Capital one needs to recall this fraudulent account from XXXX XXXX XXXX ( XXXX ) and get this closed as fraud again in their system and stop harassing me for something I did not do, was not a part of, and did not benefit from. Furthermore, if they feel the need to hold me responsible I need more of an answer than, " We didn't suspect fraud. '' What concreate evidence and documents do they have showing this? I need all these documents they are using to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please see below a case # 1 involved a wire transfer to a fraudulent account ( I will submit case # 2 as a separate case ) : Back in XXXX of 2021 I hired a contractor to work on my basement. Most of the time, we communicated through email. He sent me the contract and invoices via email.as well as his bank information for wire transfers. Now he claims he never received any payments from me, and he never sent any bank information by email. Apparently, someone hacked into the contractors email account and was sending the bank information for the payments while monitoring the contractors email account. The hacker then deleted all the emails he sent. I made a wire transfer of {$11000.00} on XX/XX/2021, to the XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX Now the contractor claims he never received any money from me, so it seems like the payments went to a fraudulent account in XXXX Now, I want to get my money back from the XXXX XXXX XXXX XXXX XXXX provided that the bank did not properly verify the recipient ( who was able to open the fraudulent account ) and then accepted a wire transfer of more than {$10000.00}? I filed a fraud report with our local Police in XXXX NJ, case number XXXX, Chase Bank, Office of the Attorney General in XXXX XXXX, I also called the XXXX XXXX XXXX XXXX XXXX directly, and the branch manager, after talking to the compliance department, advised that Chase Bank will contact the XXXX XXXX directly. Can you please help me in getting my money back from the institution that opened a fraudulent account and accepted a very large payment to the fraudulent account? This can not happen that any hacker can open a fraudulent account so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an unsolicited debit card for a checking account I did not open and a bank with which I have no business affiliation. I have attempted to contact the bank via phone, email and social media. All avenues require activation of the debit card or disclosure of my full ssn in order to speak with a customer service representative. This is unacceptable for a company that I do not have business with.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NC
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 submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with Experian. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

Experian had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, 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 2020-01-28
Company: EQUIFAX, INC.
State: TN
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:
I was informed in XX/XX/XXXXthat my credit and information had been stolen. Someone used my information to apply for a XXXX account and opened up wireless lines with my social security number. I contacted XXXX wireless and they determined that it was fraud. They sent an email to me notifying me that the accounts would be closed and that they would let Equifax, XX/XX/XXXX, and XX/XX/XXXXknow. They stated that it would take anywhere from 30 to 90 days. It has now been 90 days and the error still is showing with Equifax. I called them earlier today and they told me that there was nothing that they could do even if I submit a dispute, that it would have to be resolved with XXXX. I contacted XXXX wireless again and they informed me that everything was done properly and of the required information was provided to Equifax. There is now nothing that I can do since XXXX has sent everything over to Equifax that is needed. They will not do anything to help me out and so I am running out of options. I don not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes for incorrection information on my credit report. It has surpassed the the 30 day window for the results to come back.

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 2023-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Faxed in modification SPS SAID TOO LATE! IN CALIFORNIA HAS TO BE REVIEWED! Sale happened XXXX sold for {$480000.00}! SCAM, INSIDE FRAUD! Law states has to sell for MARKET VALUE and wasnt see PROOF! Called a broker, title rep and escorw officer and all said same thing! My cousin going to call the FBI fraud department, District Attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX etc. AND WITH XXXX PLUS VIEWS!! Is and inside scam and someone knew an investor who bought it! KNOW ABOUT UP SELL and and equity is mine! Will find out who legal owner is and filing federal paperwork. FORECLOSURE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my auto policy with XXXX XXXX XXXX on or about XX/XX/20. In the following months, they proceeded to continue trying to charge me for premiums and turned my account over to a collection agency CCS COLLECTIONS. I disputed the debt. with XXXX XXXX successfully but XXXX  is still reporting it and my attempt to dispute was unsuccessful. When I contacted XXXX XXXX directly, I was transferred repeatedly to different operators and eventually hung up on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX  XXXX was for synchrony bank XXXX acct

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 2021-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

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 2021-02-27
Company: SYNCHRONY FINANCIAL
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: Information is missing that should be on the report

Complaint:
I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the 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 2023-11-03
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter finance has been one of few creditors who is reporting late payments and charge-off ( s ), multiple times on the account inaccurately and derogatorily since account was closed. Investigate the creditor 's recorded phone conversations with me and you will find out that I paid the last payment in full however much the payment was, in XXXX. They have went as far as reporting a new charge-off date ( s ) in XXXX due to the account reporting derogatorily inaccurate accounts for the length of time IT has. I can't have XXXX charge-off dates all reporting as accurate XXXX in XXXX and a new one in XXXX reported as accurate. Late payment history was also investigated and is proven in accurate via comparison between credit reports from the XXXX major credit bureaus. I've requested that the company investigate and provide further insight into my payment history and derogatorily inaccurate reported charge-off ( s ). They told me that it's the credit bureau 's responsibility to provide a thorough and accurate credit investigations to the customer and not the creditor 's fault if something is reported as verifiably accurate. The bureaus rely on creditor 's records for accuracy. This company can't even tell me anything about my reported past payment history or why the account is derogatorily compromised by charge off ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ Credit Acceptance Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, 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 2020-03-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted the credit card several times. First time was to set up automatic payments. I bought a watch, and I used the credit card only for that and intermediately together and agent that work for the company and I have never missed a payment. Apparently, it wasn't of my knowledge that the Credit Card received electronic checks first and started to take electronic payments later during the 24 months installments. I set up automatic payments with them since the very first payment and I didn't sign up for paperless. After months I wanted to know about the account and I called to see if all was right when I started to see that monthly payments were set up for more than the exact amount result of dividing the total debt in 24 months equal payments and on top of it all I was charged for late fee and interest on the late fees. 
I contacted the bank and it's been months exchanging letters, sending documents by mail, and spending hours with agents that don't have access to information older than 6 months. 
I have sent them official documents from my bank ( XXXX ) doing all the payments in timely fashion and not missing any of them. At the end of the 24 installments since auto pay was set up for an amount higher than the amount needed to satisfy the debt generated for my purchase i overpaid the credit card for the total amount of {$580.00}. 
However, the credit card insists that I owed them XXXX dollars and I claimed that on the contrary they need to pay me back {$580.00}.

Company response to consumer: Closed with monetary relief