BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have not used my Capital One XXXX for XXXX XXXX before using my card on XX/XX/XXXX. I never received a bill. email, letter, text, or telephone call advising me that my payment was due or past due from XXXX to XXXX. My Alerts that I set up XXXX XXXX  prior failed to work. I did not notice I owed for this card until I tried to activate my other Capital One XXXX  on XX/XX/XXXX. I noticed my account was past due and immediately made a XXXX payment on XX/XX/XXXX and XXXX on XX/XX/XXXX. I called Customer Service to tell them what had happened and the Customer Service XXXX XXXX said the same thing had happened to her and you have to update the app once in a while but she can not do anything about it. I sent a letter to Capital One on XX/XX/XXXX and they never responded. I sent another letter to Capital One on XX/XX/XXXX and they finally responded. They sent copies of internal billing statements which I never received in XXXX and XXXX and they admitted that mistakes happen if you do not use your credit card much. I asked Capital to remove the XXXX  late mark on my credit report but they refused. I asked them to delete my account from the credit reports but they refused. They reduced the credit limit on both accounts XXXX from XXXX to XXXX and the other from XXXX to XXXX I have had this account since XXXX and I have never been late. My XXXX Credit Report was XXXX. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: FL
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:
I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. XXXX DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX XXXX  CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS XXXX IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A 790-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Global Lending Services LLC
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 XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXt # 4575986 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.

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 2018-09-19
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company states that I owe money for an account and I am not familiar with business NOR do I owe any 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 explanation
Consumer complaint received 2021-12-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
RE : DEFAULT IN DISHONOR/BILLING ERROR regarding vehicle with vin # XXXX Ive been made aware of my federally protected consumer rights as holder in due course and realized several violations and billing errors. I have asserted my rights to reclaim all possessions. 

On XX/XX/XXXX, Nissan Motor Acceptance Company/Infiniti Financial Services , received and signed for my Affidavit In Fact as well as my present of payment to offset the billing for this account in accordance with 12 U.S.C. 411, 18 U.S.C. 8, and 12 U.S.C. HJR-192 ( 1933 ). 

As of XX/XX/XXXX, my affidavit has not been rebutted and the negotiable instrument ( pursuant to UCC 3-104 ) has not been returned. Pursuant to federal law, an unrebutted affidavit stands as truth in commerce and refusal to accept or acknowledge a tender of payment or return said presentment is default in dishonor pursuant to Florida Code 673.5031 - NOTICE OF DISHONOR and Florida Code 673.5011- PRESENTMENT - On XX/XX/XXXX, I received an attempt to collect a debt and a threat to repossess my vehicle for failure of payment. This is a violation pursuant to 15 U.S. Code 1692e. False or misleading representations ; ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that XXXX, Transunion, XXXX, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.

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 2023-12-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three Equifax and XXXX XXXX I was asked to send in my personal information from Equifax. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXXXXXX XXXX XXXX I bought I car from US Auto Sales in XXXX Ga. I was making payments and lost my job on XX/XX/XXXX. But started new job in XXXX and when I called to make payment no one answered and then I just got busy signal afterwards. So I didn't know what to do or who to call. I never received anything about US Auto Sales Closing or transferring loan over to another company. I also never received anything from the other company who taken over for US Auto Sales. So I didn't know where to send payments or how to make them. Then on XX/XX/2023 my car was repoed. The towing company never let me know anything and didn't let me get my belongings out of the car. I don't know what towing company it was and they dragged the car leaving XXXX marks in my driveway. I received a letter on XX/XX/2023 stating that westlake portfolio management stating they will sell my vehicle at private sale sometime after XXXX XXXX on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$5300.00}

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 2023-08-24
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I made a title loan with TitleMax, XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone number XXXX on XX/XX/XXXX. Amount of loan was for a total of XXXX plus interest of XXXX for a total of XXXX, number of payments due was XXXX, with interest of XXXX XXXX Annual Percentage Rate. I made several payments to them before I got laid off from my job. However, all the payments I made were applied to interest only, nothing went to priincipal. I inquired why it was all paiid to interest and nothing to the principal and they told me that is their practice to appy payments to interest only and if I wanted to pay off the loan, I had to pay it off with the total amount of loan XXXX all at once. Well I could not do that and ended up not making payments after I lost my job. I have not been able to find work for months and borrowed from them to pay my bills - rent, electric, water, auto insurance, cell phone - and that is why loan got so high. TitleMax is trying to repossess my truck, a XXXX XXXX XXXX but I can't let them do that as I need it to look for work and it is not right to apply all payments to interest only and principal never goes down. II understand there is a case against TitleMax for unlawfull practices. Does my situation qualify under this case? And what are my options to deal with them. I can send you a copy of the contract if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: U.S. BANCORP
State: PA
Product: Credit 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:
I made a purchase to what I thought was XXXX XXXX. Turns out I was scammed. They got into my online account, took my reward money and opened a savings account, change my password, my email account information. I noticed right away because received text messages my user and password were changed. My bank refunded my money, but then they took it back stating I authorized the payment when I made the purchase. They did refund my reward money that was taken. This doesn't make sense. XXXX XXXX is NOT XXXX  XXXX. How can I get my money back that was scammed?

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 2023-05-30
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
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 according with the fair Credit Reporting Act 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 spoke with XXXXXXXX XXXX XXXXXXXX, XXXX, Transunion, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXXXXXX XXXX XXXX. I do not have documentation from any courts regarding a rental debt. XXXX, XXXX, Transunion refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.

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 2021-12-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent Experian a letter expressing them to remove a public record because I contacted US Bankruptcy to inquire if they reported a XXXX  XXXX to my credit report. The letter from US Bankruptcy stated they DO NOT report any bankruptcy but information is placed on a website called XXXX which is a third-party reporting agency. Credit bureaus can not use third-party information to place on credit reports. Also, Experian has two open accounts for XXXXXXXX XXXX and there is only one open, the other is paid and closed. XXXX XXXXXXXX credit card is also not over the limit.

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