BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: American Credit Acceptance, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX  Customer Relations XXXX XXXX set-up 3-month defer payment plan as today we not working yet.But do have about 6 months of back payments due to me my wife will be depostit in to our credit union account we hope within week or two.XXXX   customer relation is ware of our situation, she gave us up-to XXXX XXXX to make payment of {$480.00} over phone or mail payment in.We are unable to to get all the money.She sent  us invoice of 2yrs we never got from American Credit Acceptance XXXX XXXX, XXXX , Texas XXXX We suppose to get 3-defer payments saying on infomation we are XXXX, XXXX, XXXX behind, i discuss with her on phone said we paid XXXX on XXXX when payments due on XXXX, with Grace period of 10 days due no-later then XXXX, before we get any late fees.I gone through records she sent us it shows we paid 14 payments total of {$7400.00} and 12 paymnets x {$480.00} = {$5700.00} they received on our account.I tried email it to her but i got different one from ACA said i need to call in. I called today XXXX XXXX they too didnot know who i was talking with.Could not connect me with XXXX XXXX she said to ask for. 
Here we are Struggling to make our auto loan payments, we should got defer 3-4 months add on end of the loan since we always paid on time.The payments was $ XXXXdue on XXXX, we always paid over 2yrs {$500.00} on time, may of been late once ... We was told couple days ago from Utah Attorney that since we got hurt on the job working for XXXX XXXX : We quit resign do to over work from light duty from our doctor requirements.To apply for XXXX  to get minimun 6 months back payment from XX/XX/XXXX to Now.Then Attorney will represent us because we both are under doctors care, we both need XXXX plus i should have surgery.My wife saw doctor on XXXX of Febuary XXXX XXXX found XXXX XXXX on her XXXX, she bumps her head they said it will kill her.We are trying to do everything we can.We are Homeless sleeping in the car every day, we have our blankets, pillows in car..We can't not get our car Repo, what will we do? Our Mortgage is in Forecloser due to Mortgage Fraud, attorney we got working on it, maybe when they are done can they sue ACA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A credit card was opened in my name by unknown identity. I recieved a call from XXXX XXXX or capital one about a bill that wasn't paid. I told them i haven't opened any creditcard accounts. I dont own a credit card and any card open would have been by fraud. The asked me to send a statement stating such. I did. Here it is over two years that this was supposedly fixed. I even told them i am even willing to go to court to fix this and show it was identity theft. I had two phones that came in prior which i think was part of the credit theft. I called the company that sent them out and stated i didn't order any phones. I was told an address in texas to send them back to. I have no documentation of anything because i never recieved a bill or anything else to notify me. It was ordered from online and no records to prove either way other. I then notifying that my identity was stolen must have been stolen. Same with the credit card company. I do not have nor should i have any credit cards opened anywhere to my knowledge. This includes the credit cards i paid off in 2008 and never opened another. I found out my credit was never restored or fix just this week. I was going to open an account at XXXX XXXX to purchase a lawn more. This is when i found out my credit went from above 720 to the low XXXX mark. The last and only think i had credit was with XXXX and the XXXX XXXX XXXX. I have no other accounts in my name. I don't know who all has placed information on my credit since i first thought the problem was fixed. I am so upset about how things are reported without any notification or any other bill to know if anything was opened in my name. I pay my bills on time each month. I have never ever been delinquent on any account i have opened in my life time. I need help and a full investigation on any negative remarks on my credit report. These company 's are at fault for authorizing any account 's that are opened. These are the only people i have dealings with. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX loan was paid off for years now. Anything else opened any where using this current address would be from identity theft that started when i first reported it to the two mentioned earlier. I have even had a call from who ever they have turned over the delinquency to a collection agency. I gave them the same information. I also asked them to take it to court so we can get this settled once and for all. They said they would fix it which they didn't evedently. They just never called again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Fay Servicing, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fay Servicing , LLC will not provide information as to policies and procedures for deferment or forbearance relating to mortgages. 

On XX/XX/2020, fay servicing was contacted so that we could obtain policies and procedures as to deferment/forbearance because of the effect of the covid 19 lockdown. 

we were sent an email with questions as to why we needed the deferment/forbearance. 
the questions were answered and forwarded to 4 representatives of Fay Servicing. 

It has now been three weeks, and we have gotten no information as to deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this account, " XXXX XXXX XXXXXXXX XXXX XXXX' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan

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 2020-03-11
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I applied for a loan XX/XX/20, I learned there was a freeze on my credit reporting with Experian. I've gotten into their circular " interactive '' phone system 5 times and was pushed to the page to, instead, submit request by mail. That requires a written letter, along with the following : " government issued id card, such as driver 's license, state id card, etc. copy of utility bill, bank or insurance statement, and a copy of social security card or another document that displays your ssn. '' I can provide a copy of my diver 's license and a utility bill. And my social security card. It does not, of course, contain a SSN any longer. I need to know what else I  can provide to fulfill their requirements for a document with my SSN on it. BUT I CAN NOT REACH ANYONE TO ASK, NOR GET TO A PLACE ON THE WEBSITE THAT WILL ANSWER THIS QUESTION. 
I need to know how I can get the freeze removed. I understand the process of dealing with your agency can in itself take a couple of months just to get through, hopefully, to Experian. Consequently, I will not be getting a loan ( the genesis of this nightmare. )

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 2022-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Trying to get a car loan. Lender can not pull equifax report because EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT FILE IS NOT AVAILABLE Started XX/XX/XXXX. Talked to 5 different reps. States this is no fraud alert or freeze. I can not access my own credit report. Consistently getting error code XXXX. Sent identity verification twice. Still can not access my equifax credit report. Equifax also gave me access to another my equifax account to resolved problem but it was someone with the same name as me. So i also had access to someones credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
I noticed inquiries on my credit report I didnt recognize or did I authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NY
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  Accounts has violated my Rights. XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Luxury XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX Affirm XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX  15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. section604 15U.S code 1681B, Section605A 15U.S code 1681C-1, Section 605B 15 U.S code 1681 C2

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account in 2013 and was charged several fees for overdraft.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00}

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 non-monetary relief
Consumer complaint received 2022-06-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Credit Central Holdings, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a dispute for an inaccurate account furnished with XXXX from the company Credit Central and it came back updated the same day with no changes made. XXXX opened the dispute on XX/XX/XXXX, and then it reported back the same day XX/XX/XXXX " Updated ''. I disputed the fact that the account has been closed since XXXX of XXXX, but the account was still reporting activity every month up until currently. From my understanding once an account is closed that should be it, but if the creditor is still furnishing information on the account on a monthly basis wouldn't that be considered re-aging or even fraud? For the most part the account balance is reporting incorrectly. The Fair Credit Reporting Act stated in 15 USC 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The only thing XXXX has done was falsely " update '' the account. Nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am having card issues, some errors, over draft fees keep adding, I had issues that ending up closing my account very sooner than I expected. I kept it believe 6 months but I had it from customer services, their errors, so I am glad I closed my account

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: GA
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. 


Account Name 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 has violated my rights. Or list of inquiries 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 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 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
** My phone number is XXXX ( the contact number on the form populated incorrectly and will not allow me to correct without starting over on submitting my complaint. 

I have been a customer of Bank of America for XXXX years. 

I opened a new checking account in XX/XX/XXXX. 

XX/XX/XXXX : Deposited a check from my employer of XXXX years. Spoke with bank teller who assured me the funds would be available on XX/XX/XXXX. I shared with her my concern due to bills and expenses such as groceries that I needed to buy and that I was concerned about insufficient funds fees if the check did not clear. She stated she understood and that " it shows the funds will be available XX/XX/XXXX '' XX/XX/XXXX : Check for {$2600.00} was put on hold, funds delayed, not available until XX/XX/XXXX. 

XX/XX/XXXX : Called the customer service number that is on the BOA app. They were unable to release the funds. Customer service person told me for future reference that I should know that the bank will put a hold on checks deposited in a new account almost every time. 

XX/XX/XXXX : Called the branch office two times, requested a call back from the bank manager. The bank manager did not return my call. Still has not returned my call. The second time I called the person that answered said they could not help me but she would transfer me to another person who would be able to " lift the hold ''. I accepted being transferred and asked the person I spoke with to please still have the branch manager call me asap. 

XX/XX/XXXX. I was transferred to a customer service number and spoke with 2 people. Both said it was not possible to lift the hold despite my years of being a customer and years of depositing checks electronically for 13+ years. The supervisor I spoke with told me she could not solve my problem for buying my children groceries or paying my bills while the bank held a check that already cleared for 10 calendar days. She read from a " list '' of non-solutions over and over. Telling me she was letting me vent during minutes of silence where she just sat there and said nothing while I waited for her response. 

BOA has been calloused and unwilling to take responsibility for their part in telling me that my check funds would be available that then are not available for 10 days. I have been financially stressed and this experience has been awful, emotional and feels like BOA is on a power trip while they hold my hard earned money.

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 2022-12-28
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: Investigation took more than 30 days

Complaint:
I called XXXX to inform them of my mortgage not being report to experian, the mortgage is reflected on the other XXXX credit reporting agencies. They sent me correspondence detailing the call. Fast forward 90 days later the account still isn't on my credit report so I sent another correspondence and called them to inform them. They sent a letter stating that the account had been resubmitted to Experian.

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