BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: U.S. Auto Credit Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Deceptive practices and non full disclosure of contracts which gives me the right to rescission under these USC codes 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S. Code 1635- right to rescission 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. 15 U.S. Code 1662-No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state 2. that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

3. that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 15 U.S. Code 1692j- false and deceptive forms 15 U.S. Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years. If rescission paperwork was never furnished, deceptive practices were used by not disclosing everything, including the existence of power of attorney paperwork within the contract. They added extra taxes and fees without proper explanation. When asked about the validity of the contract, they refused to validate it. The paperwork they sent had no relation to U.S Auto Credit LLC
. The letter mentioned in the previous complaint was not received by the consumer, and the consumer was not informed correctly about the transfer of ownership of the contract during negotiations. US Auto Credit also repossessed the vehicle without any explanation or clarification. Despite requesting this information, it was never provided, raising suspicions about the timing and existence of the letter. It's important to note that I had been communicating with US Auto Credit for months before contacting the consumer bureau, giving them ample time to provide the letter and establish the validity of the contract. These actions indicate that US Auto Credit is operating dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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, XXXX XXXX XXXX XXXX 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. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
What happened? I filed a dispute with Experian on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. Account no. : XXXX File Identification Number : XXXX Provided by Experian Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. After doing my research I found inaccuracies on the report still, even after they did their due diligence. Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -XXXX XXXX XXXX  Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me XXXX XXXX  extra because of this inaccurate information. In accordance with the Fair credit reporting act convergent the above account has violated my rights. 15 U.S.C 1681 section 602A : 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. Thank You Warm Regards XXXX XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$980.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX I have my accounts with capital one I live in XXXX Ohio my XXXX is a all XXXX XXXX and because capital one doesnt have any branches in XXXX I cant deposit my cash from my business into my personal account I dont have a business account because I dont have it registered with the state I came up on hard times because I work from my home and wasnt able to work as much due to me having a small child I filed for a XXXX loan and got approved and the funds was deposited on XX/XX/XXXX on XX/XX/XXXX around XXXX I found that my account was frozen I called capital one I was on hold for 2 hours to speak to someone that was very rude asking my questions about my business as if he was a investigator it made me feel very uncomfortable and I felt like I was being treated like a criminal then I was told my account will remain restricted until my account is reviewed and someone will reach out its Tuesday and I havent heard anything beside a generic email that my account has been restricted Saturday morning after it was already frozen I talked to someone Saturday that said my account has been frozen because they couldnt verify my business so I sent in my schedule c form and also my receipts from my nail supply purchases, I was also told that I am found ineligible any money in my account will be giving back to the sba I also Have a job that direct deposits into that account and I have my tax refund coming tomorrow that i have been waiting almost 3 months for I have things to do and I will not have any access to that money and possibly will loose everything thats in the account even if it didnt come from the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently went into the bank and provided them with my dba which was from 2020. I received a check that was made out to my XXXX XXXX XXXX name and did not realize the bank did not have that info. Then I received a letter that the bank was closing my account. After more than 20 years with various accounts with this bank they are closing my account. It is a hardship to move everything over and it may cause penalties and fees as I navigate a switch during these busy times. Im concerned of fraud as I see no reason to close my account and they wont share. This should not be legal not to disclose. And also Id like to know if they are closing because I am a person of XXXX and they are unjustly targeting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Army and Air Force Exchange Service
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

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 2023-03-25
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, SLS received money from XXXX XXXX  Housing Assistance Fund in the amount of {$40000.00}. 

My first complaint is that the amount paid to SLS included money for 3 monthly payments going forward but SLS only applied money to 2 months going forward. 

My Second complaint is that I was charged over {$3500.00} in late fees, legal fees and property maintenance, valuations and other fees. Because of SLS 's errors, I shouldn't have been placed in foreclosure and charged fees. 

I should not have been placed in foreclosure or charged fees for 2 reasons : 1. Even though my dad had asked, SLS, many times to correct the account title to show my name so that I may get correspondence, SLS representatives confirmed that they received our requests but completely ignored us. Because I wasn't getting correspondence from SLS, I didn't know our home was going into foreclosure until XXXX, when XXXX notified me that my homeowners insurance was being cancelled. I had to ask them to research why it was being cancelled and after researching they found out that it was being cancelled because our home was in foreclosure. 

2. The government requires that the account is frozen when the servicer is made aware of the HAF application. The first time, SLS was made aware of our application was in XX/XX/XXXX. Unfortunately, XXXX ( SLS HAF dept ) lied about knowing that we had applied for the funds. I'm providing proof that I notified SLS about our application in XXXX and XX/XX/XXXX, but the house was still placed in foreclosure. I called XXXX several times to explain the situation, but he never mentioned that we were in danger of going into foreclosure. XXXX is unprofessional, vindictive and condescending, he lied about so many things and never documented our conversations in my file. 

I'm also including proof of some of the requests to correct the account title as well as proof that the account wasn't corrected until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XX/XX/XXXX at XXXX XXXX  I found out they are trying to collect {$90.00} dollars from a bill that dates back to XXXX and they know it but still harass me. I asked them to stop calling and that 9 years have passed the agent tried to collect while I was on the phone again. So, I told him that I will contact you and hung up. They've been harassing me since XXXX by phone calls and posting the {$90.00} dollar on the XXXX XXXX application I don't know how they are doing that. This is an old bill that is passed the 7 year mark. I want them to take it off the app and stop harassing me. The name of the bill collectors is CBE Group their number is XXXX. These folks are tricksters no ethics they need to be closed down. These agents are probably doing this to all customers that have XXXX  XXXX  names, thinking that they don't understand English and their rights as a consumer. How many people are they harassing?????? I want them to take it off my credit report! Also to stop calling me, and to stop posting it on the XXXX XXXX app that I use for my medical services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, XXXX XXXXXXXX and INFINITI FIN SVCS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a follow up to The Navy Federal case that I have been trying to settle for several Years. The XXXX XXXX XXXX has added an additional XXXX in fees and interest after refusing to settle the case for XXXXXXXX XXXX. I also attempted to settle for the XXXX and I could not reach XXXX who made the offer after they brought a judgment to court. I never got a return call from XXXX. I only spoke to XXXX XXXX who stated they would never settle for XXXX. I brought a motion to court this month and spoke with the attorney and I am awaiting a settlement amount in writing that could bring this to a close. I hope they are reasonable. adding an additional XXXX is also a problem as no one reached out to me for a year and a half. They also began garnishment of my pay and will not give me any credit toward the settlement amount. I ask that the CFPB keep a record of this issue as I am sure this is common among XXXX XXXXXXXX XXXX I ask that I get credit for what I have paid them toward the settlement amount. I also ask that the judgement be vacated to allow me to move forward in mhy clearance adjudication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Tally Technologies
State: OH
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:
Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted.

( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.

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 2023-05-24
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: Their investigation did not fix an error on your report

Complaint:
As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-02-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I opened a new checking account with Truist Bank, online. I created a login and was given access to my account, routing number and account number. I was able to log in without any issue, so I set up my company direct deposit to go into this account. 

A few days later, I tried to login to the account and received an error message stating that my account was locked due to security concerns. A friend of mine had also opened a new account and got the same issue a few days later. 

I called the number provided on the error popup and was told by an agent that they could not unlock my account, that I needed to come into the branch to fix this. This makes absolutely no sense as I have provided all of my personal info, identification, etc. 

I asked to speak to a manager and was put on hold for half an hour, and when the agent picked up, he pretended he couldn't hear me and hung up. I called back again and asked for a manager and was put on hold for another half hour and had to hang up because I have a job and can't sit on the phone with Truist bank all day. 

I believe they want customers to come in to the branch for a sales pitch, or because they want to limit the sign up bonus offer that they have out right now for {$400.00}. To me, this is a bait and switch signup process. They offer a very simple and easy online signup process that is too good to be true, they want customers to come into the branch and if that's true they need to state that upfront and not lie to prospective customers. 

By the way, they have my money and I am unable to access it at this time.

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 2021-11-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
WELL!!  I PURCHASED (3) OF SERVE"S PRE-PAID CARDS.   BUT, THEY WERE LOST/STOLEN BEFORE I WERE ABLE TO REGISTER THEM.  THEY ALL WERE IN A ENVELOPE. SO HAPPEN, I TOOK PICTURES OF THEM FRONT & BACK. AND MY
RECIEPTS BEFORE THEY WERE LOST/STOLEN. SO, THE THIEF USED THE CARDS AND PURCHASED ITEMS ON LINE.  THIS WAS XX/XX/XXXX. TWO CARDS HAD $XXXX ea,. AND (1) HAD $XXXX.  TOTAL OF $XXXX. THE THIEF USED ALL THE MONEY ON ALL CARDS. LEFT -XXXX- BAL. I  ALSO SENT PICTURES OF THE CARDS AND THE RECIEPTS TO SERVE STATING THAT I PURCHASED & PUT MONEY ON
THESE CARDS BUT THEY DID NOTHING.  THEY WANT TO SAY I GAVE THE THIEF AUTHURIZATION.  BUT, WHY WOULD I GIVE SOMEONE MY MONEY THAT EASILY.
THAT"S JUST THEY EXCUSE TO KEEP FROM DOING THEIR JOB!!!  I ALSO FILED A DISPUTE ON THESE CARDS (3) TIMES.  AND EACH TIME THEY DECLINED THEM..
MY POINT, WHY HAVE ME KEEP FILING DISPUTES & YOU KNOW YOU ARE GOING TO DECLINE THEM..
NOW I SEE TODAY WHERE THEY SUSPENDED ONE OF THE CARDS. SO IM SURE THE OTHER (2) WILL BE ALSO, TO KEEP FROM REFUNDING ME MY MONEY... WELL, THAT"S ABOUT IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally 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 ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( 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. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 

Each fraudulent act has been reported to the XXXX as a complaint against all rogue actors as well

Company response to consumer: Closed with non-monetary relief