BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I took this company 24 hours to cost me 2 jobs, because of there error. I was advised since I was unemployed for the month of XX/XX/, I was placed on the payment plan of {$20.00} every 2 weeks. I made those payment as agreed. Tuesday evening, my car was Repo 'd. I called and was given the a lie reason, that my payment was late by 1day. Not my fault there system processed it late. Then I spoke to a supervisor and was told a different story. In total I spoke to 4 different Reps 2 of them managers, 4 different story 's. They wanted a total of {$840.00} to obtain the car back. Now how am I suppose to do that when I lost both of my job in one day.

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 2022-04-11
Company: Novad Management Consulting LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There was an erroneous XXXX filed on my property. The mortgage company agreed it was filed in error however the lien has not been released. It is through HUD, I have emailed and called HUD multiple times and they advised me that it would be released as long as they had proof from XXXX XXXX that it was filed in error. They have that but i have not heard from them and the XXXX is still on my property as of today. I started this process on XX/XX/24 and am at risk of losing my locked in refinance rate because of the inaction of both XXXX XXXX and now HUD. I need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: WI
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 dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In the accordance with the fair credit reporting act this creditor kohls/ capital one has violated my rights under 15usc 1681 ( a ) section 602 states I have the right to privacy 15usc 1681 section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was fraudulently opened on today with Bank of America. The person opened an Advantage SafeBalance Banking account - which by research is also known as a " checkless '' checking account. They opened the account using my maiden name AGAIN. ( XXXX ) and my social security number. I did not open an account with Bank of America. I was notified via email of the account number and another email with an " In processing '' Application confirmation XXXX. All of this took place after midnight. Shortly after, I received another email that my email address had been updated. When I attempted to try and find out how this account was opened without my consent, I was met with a phone number to identify for security reasons that does not belong to me. I have placed a fraud and security alert with XXXX as well as placed a credit freeze on XXXX, XXXX, and 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 2022-10-21
Company: Upgrade, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I notified the lender on XX/XX/XXXX requesting that the apply MLA or SCRA to my accounts with the company. I even attached a copy of my spouse 's XXXX to the request. I the received this email : Case No : XXXX XX/XX/XXXX Dear Thank you for your email received in our office on XX/XX/XXXX regarding your Servicemember Civil Relief Act ( SCRA ) interest relief eligibility request. We previously requested a copy of your military XXXX and/or a letter from your commanding officer and reviewed this info. 

We carefully reviewed everything you provided and unfortunately your account is not eligible for an interest rate reduction under the SCRA. Your account is not eligible because SCRA requires that the obligation be " incurred by a servicemember, or the servicemember and the servicemembers spouse jointly '' to qualify for rate reduction under the SCRA. Note : TN does not provide additional state interest rate benefit extensions to spouses and dependents. We verified your information on the Department of Manpower Defense ( DMDC ) website based on the information provided to us. Enclosed, please find the DMDC certification we obtained to support our decision. We are happy to review any additional information or documentation you may have. 

At Upgrade, we are dedicated to supporting our military servicemembers. We thank you for your service and for choosing Upgrade. Please do not hesitate to contact our Customer Support team if we can be of any further assistance. 

Sincerely, XXXX Upgrade Help Center ( XXXX ) XXXX I then emailed them again requesting the MLA and got nothing back. Not only did I receive this email but when I sent the email requesting SCRA and MLA the company then decided to reduce my credit limit with them not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I'm requesting the bureau to commence an investigation into these accounts, which falsely portray me as late in payments.

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 2023-01-07
Company: JPMORGAN CHASE & CO.
State: IL
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 have XXXX fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : XXXX. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
XXXX. Validate Account : XXXX XXXX XXXX. Account Number : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Total Auto Finance
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I just wanted to retrieve my personal property out of the repossessed vehicle. The tow company XXXX XXXX XXXX said that Total Auto finance has a contract with them that states the borrower must pay {$75.00} to get their personal belongings. I was advised by an attorney that I should have been able to get my items at no cost. Both companies refused to let me get my items. I drove over an XXXX XXXX hours to the tow lot just to be told that Total Auto Finance claims they have no knowledge of the policy and the two company saying they can not let me retrieve my items even though I brought the key and my ID upon arrival.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have worked with Capital One 's Quicksilver Fraud Department and the recommended I report to the CFPB about an ongoing person or persons trying to open another credit card in my name ( report # XXXX ). There has been several attempts on doing this that I've managed to stop with the help of Capitol One. 

In addition, since approximately XX/XX/2023, there has been several attempts on the website XXXX and XXXX to use my old and expired drivers license to collect house deposits for rental properties in the state of Wisconsin where people have lost money only to find out it wasn't me. This has been reported to XXXX XXXX ( WI ) PD as well as XXXX ( WI ) PD. These police departments informed me of the fraudulent postings of my name in XXXX and Minnesota doing the same thing. 

I hope that you can assist me in protecting myself or guide me to further assistance in this matter before something bad occurs to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$12000.00}

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 explanation
Consumer complaint received 2020-03-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom This May Concern : on XXXX XXXX I asked my mortgage company '' could i get an extension on my mortgage payment, because i was laid off due to the convid-19 virus. And I wanted to make sure that I wouldn't get reported to the credit bureau as a thirty day late payment. I was told that " all thirty day late payments are reported to the credit bureau and their 're no exception! At this time i have no income and not sure when i will be returning back to work, so I'm concern about my loosing my home, as well as " bad credit rating!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$890.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

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 explanation
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I reported an unauthorized charge on my Capital One account with the amount of {$450.00}, {$3000.00}, {$2000.00} a couple of months ago. They have denied my claim due to their investigation there was no fraudulent activity and I was to be responsible for all the charges which I think is very unreasonable on my end. I feel like I am being accused of doing some kind of fraudulent activity on my own account base on their investigation. When I was talking to the person in charge of my claim at the time they were saying that all of the evidence match everything about me from name, address, shipping etc. Then they sent me a report through mail with detail evidence. On their report indicates that shipping address matched but on the tracking information did not match because I live in XXXX and the delivery address was in XXXX. This tells me that their investigation was not very accurate and due to that they are making me responsible for the charges I did not make. I will attach the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not even showing in dispute nor is removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let this fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously. I have no knowledge of this account or company.

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 2023-08-14
Company: EQUIFAX, 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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: AR
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 by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX  XXXX of XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX  XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX  XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX  XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX  XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.

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