BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
Equifax : Applied online, given error code NH, told to call, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
in accordance with the Fair Credit Reporting act this creditor ( TransUnion, XXXX, and XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Solar Mosaic LLC
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is not my account, I did not authorize it and XXXX says they certify its mine after Mosaic closed it and sent confirmation it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX **** have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCC Business Svcs Inc XXXX XXXX XX/XX/2015 for XXXX False charges. 
This issue was resolved with XXXX XXXX from XXXX XXXX. 
There was black mold in the apartment and by NC Regulations Inhabitable and Hazardous to live in. 
These are false charges and predatory practices of harrassment from the former manager at XXXX XXXX. She harrassed me with outstanding false billing and lied about these charges. 
This is not my account.I owe no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For over 2 years now, attempts to access the website ( the only method of managing the account ) have been met with a completely broken interface that shows no information. I have made several calls to American Honda Finance over the last 2yrs and am assured they will look into the issue, but no resolution follows. 

I can not view my auto loan balances, update payment or contact information, or access other necessary information on my account. None of the links on the page work after logging in. I have tried 4 different web browsers on XXXX different operating systems across at least half a dozen devices to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This a complaint against Capital One Quicksilver Credit Card, case number XXXX. I am disputing a purchase made on my CapitalOne quicksilver credit card for a service that was not provided. I had submitted the dispute to my credit card company after a failed attempt to resolve it with the merchant. It now appears my credit card company is taking sides with the merchant ( I guess for the gain made on the purchase ) rather than provide financial protection for its customer over a purchased service that was not provided. This has been the behavior of Capital One Bank, now is the Credit card arm to side with merchants that tend to collect money for services not provided. I am disputing a partial amount of {$480.00} of the total {$3500.00} that i paid. I provided the document Capital One asked me to provide and they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.

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 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America is trying to circumvent there minimum deposit how by making customer refunds unavailable while they have the funds and tells the customer the funds are with the merchant although the funds have been submitted to Bank of America via a XXXX XXXX clearing house who can confirm the receipt of the funds. Happen to me 5 tmes last week

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 2023-06-30
Company: College Ave Student Loan Servicing, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a private student loan with College Ave lending. I have made full payments on time for years. Last year, I began to fall behind. I tried to call them and request help prior to falling behind, as I knew I would not be able to make full payments soon. They had no help and I was told to " get a second job ''. I work 48+ hours per week already, have 3 kids, pay daycare and other living expenses. Eventually, I fell behind as expected. They harass and call relentlessly, even though I tell them I can not pay at the moment, and when I can I will send payments. Eventually, I stopped answering their calls because they became unbearable. In XX/XX/2023, my Fianc, who is not on my loan, as I am a SOLE borrower, I have no co signer, no one listed on my loan at all. They called him and disclosed personal information about my loan, my default and even tried to get him to change the terms of my loan and accept their " forgiveness '' program! He refused and informed the collector ( named XXXX ) that he was my fianc, not spouse, was not on my loan and would not make any decisions about my loan. I called and confirmed I was the sole borrower of my loan and filed a complaint. I had to conitnue to call back to verify my complaint was being " looked into ''. Eventually a supervisor called back and agreed and confirmed this XXXX did in fact disclose information he was not supposed to to my Fianc, I was told he would provide " more training ''. I requested documentation of my complaint and an explanation IN WRITING of their findings and remedy. To this day, I have not received anything. I had my Fiance 's number placed on a " block '' list. In XX/XX/2023, They called him again and left a message! I immediately called them and asked why they are continuing to call and received " ummm ... umm ... let me check on that.. I can add that for you '' when it should have already been blocked. They made no attempt to call me first, as our phones were right next to each other and I had XXXX missed called. They are continually violating my privacy in respects to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MI
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:
I recently reviewed my consumer report. Noticing inaccurate information, I disputed these errors and requested in pursuant to the Fair Credit Reporting Act 15 USC 1681 that they be removed immediately. The errors I informed the CRA of were unauthorized and reported without my consent but have NOT been removed.

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 2023-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I was notified by my bank that my checking account had been blocked due to a fraudulent attempt to access my information. The bank representative told me that law enforcement had made them aware of the fraud attempt. We had to open a new checking account and request that the bank move almost all the money in the blocked account to the new one. The blocked account could not be closed because of automatic deposits we get each month ( social security, pension, etc. ). We had to notify all companies that had permission to make automatic withdrawals from our old account that we had a new account. The bank did not help us do this. Finally, we got all automated deposits and withdrawals changed to the new account. Then, we closed the old account. Recently, I enrolled with XXXX using my bank 's online system. I did this because I have a poor relative to whom I occasionally need to send money. Enrollment went fine. But, when I tried to send money using XXXX, the app would not accept my debit card number. After many phone calls and a long personal visit to a bank branch, the problem was that the bank still had the debit card linked to the closed account as the debit card to use with XXXX. The bank was not able to correct this problem and link my current debit card for XXXX. Instead, they are now sending me a new debit card. Mistakes happen, and I am not complaining about the mistake. However, it took so long for the bank to recognize ( and admit ) their mistake that my relative may not have enough money this month. This bank is a very large bank which always encourages customers to use the online services. Yet they were not able or willing to fix this problem so a customer could quickly get money to a relative in need.

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 2023-03-22
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Property was damaged or destroyed property

Complaint:
XX/XX/XXXX loan company kept calling me back to back to back and then kept showing up at my house threatening to have me put in jail now months later XX/XX/XXXX there calling again 24/7 leaving me msgs saying call today or we take further action I told them when my car blew up and XXXX said what am I suppose to do with a blew motor and wouldn't come get it I'm sick of being harassed

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 2023-06-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2023-11-04
Company: FC HoldCo LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of today XX/XX/XXXX, XXXX the current balance in my account is XXXX but Flagship credit Acceptance have not reported any payment to the credit bureau XXXX The credit report shows my balance to be {$13000.00} and this is inaccurate. 
I filed a dispute with XXXX and flagship claimed to XXXX that what they have reported so far was accurate but to me they said they will get it fix but they have not. 
My credit score is being affected by Flagship negligence.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get this one item off my credit for years now my rights have been violated!!!! I have rights and I know my rights. I never gave anyone permission to put it on my credit. Im Not responsible for this DEBT. please remove from my credit report Now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: IL
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:
I sent a letter regarding inaccuracies on my credit report on XX/XX/2021. It has been over 50 days and I still have not received a response. These inaccuracies have negatively impacted my life tremendously. According to section 611 ( a ), disputes should be investigated within 30 days and if not done it gives reason to remove those items from credit report, which it has already been over 50 days already. My information has also been impacted by the XXXX  and Equifax data breach as well and I am worried that my information may have fell into the wrong hands. I will not continue to be ignored and not have this issue resolved. I will file for litigation if this is not handled properly and the accounts are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. God bless you.I never applied for 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 and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX  inquiries not mines 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 2023-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an letter in the mail that I am being sued in court for a wage garnishment on a credit card that is over ten years old. My employer has also received a letter as well. This is very upsetting, and humiliating for me at work. I called Portfolio Recovery on XX/XX/23 and spoke with an XXXX and she said there is nothing anyone can do about this but to let the wage garnishment work it's course. I make {$15.00} dollars an hour and barely make it as it is. So I called again the next day XX/XX/23 and spoke with a XXXX not sure how to spell it but that is exactly how she pronounced her name. I explained to her I received this letter that I was being taken to court to sue for wage garnishment, and she also said the same thing that XXXX told me the day before, I have to let the wage garnishment take it's course? I am not sure what to do now, because I make barely enough to get by, and Portfolio Recovery after all these years is going to garnish my wages? Is there a way to halt this due to statue of limitations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, NA ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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