BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE CONTACTED THE CREDITORS AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY PAYMENTS TO ANY OF THE CREDITORS. I HAVE BEEN TELLING THAT THESE ACCOUNTS ARE FRAUDULENT FOR MONTHS, AND NO ONE CARES AND AN AGENT FROM EXPERIAN TOLD ME TODAY WE CANT REMOVE THEM BECAUSE PAYMENTS ARE BEING MADE, HOW IS THAT MY PROBLEM OR MY FAULT, WHEN I AM TELLING YOU THAT THESE ACCOUNTS ARE NOT MINE AND I AM NOT MAKING ANY OF THE PAYMENTS, WHY ARE THE CREDITORS ACCEPTING THE PAYMENTS WHEN I AM TELLING THEM THESE ARE FRAUDULENT ACCOUNTS. THEY ARE DOING THIS ON PURPOSE TO RUIN MY LIVELYHOOD.

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 2022-08-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two accounts were opened and used to make and receive fraudulant transactions. 

XXXX XXXX about {$700.00} XXXX XXXX  XXXX about {$90.00} My identifying information was stolen by XXXX XXXX and XXXX XXXX who were both convicted of Fraud and Theft. They assumed my identity to open accounts and make payments as if they were 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 2020-06-05
Company: The Outsource Group, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medicredit inc is on my XXXX credit report as collections, its not mine account, I think is fraudulent activity, I been contacted their number XXXX. No one was answering call

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 2023-08-16
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have diligently made numerous attempts to establish communication with the esteemed legal entity of Pressler, Felt & Warshaw, LPP, through their designated online portal, with the intention of orchestrating equitable and rationalized payment arrangements. Regrettably, my persistence has waned, prompting this communication. It is paramount to note that I conscientiously conveyed my circumstance of international occupational obligations, warranting the employment of this virtual channel as my optimal means of contact. 

In a disconcerting development, I found myself subjected to legal proceedings by the aforementioned entity in relation to a debt that had been duly expunged from my credit dossier by virtue of the efforts undertaken by XXXX XXXX XXXX XXXXXXXX. This expungement was the result of an acknowledged error, subsequently mandating its erasure as per the provisions of pertinent legislation. Astonishingly, Pressler, Felt & Warshaw, LPP, appear to have maintained an audacious interpretation of their legal prerogatives, persisting in their endeavor to recover the aforementioned debt. 

I am compelled to admit that, despite my reservations, I have acquiesced to their assertions. However, it is of considerable concern that my earnest overtures have met with conspicuous silence on their part. Curiously, this silence seems to be in stark contrast to their apparent diligence, as evidenced by the dispatch of two instances of " Interrogatories in Aid of Execution. '' These inquiries, probing into my financial, real estate, and business affairs, materialized subsequent to my return to the United States. 
It is with a sense of unease that I apprehend the notion that Pressler, Felt & Warshaw, LPP, may be exhibiting a disregard for the genuine predicament at hand, thereby culminating in practices that are perceived to be inequitable and discordant with principles of just commerce and jurisprudence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CT
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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-09-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My husband XXXX XXXX entered a contract with an auto dealer in XXXX, California. The vehicle he was approved for at purchase was financed with Santander for a XXXX XXXX and the amount of approved loan was for approximately {$30000.00}. In 2014, at the time of purchase, my husbands yearly income was {$6200.00}. My husband was also diagnosed with early stage XXXX. My husband was not financially capable making monthly auto loan payments for a {$30000.00} vehicle. His mental state, and financial state makes it impossible for him to be approved for this auto loan. In other words, why was he granted this loan? 

His judgment was impaired at the time of purchase. Based on my husband need to purchase vehicles he can not afford my this loan predatory lending, an unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan that they otherwise are unable to pay back reasonably. This is my third attempt to have the amount appearing on my husbands credit report removed and the contract null and void. I had the vehicle be returned to the auto dealer. 

Sincerely, XXXX XXXX XXXX Rep Payee for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have 5 inquiries on all 3 credit bureau. I didnt apply for credit with Capital One. When i called them about the dates XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. When i called about these inquires they have no records associated with my social security #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
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 trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX  XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I applied for a car loan XX/XX/XXXX, with XXXX XXXX XXXX. The car is a XXXX XXXX XXXX model that came with the factory warranty on the used vehicle. The original term of the loan was approved with a co. applicant, XX/XX/XXXX, and the interest was 16.25 %. I was told to sign my documents on XX/XX/XXXX and the Co. applicant could come back. I informed XXXX XXXX XXXX the co. applicant was just released from the hospital and could not come in right away. The co. applicant is an elderly woman who came back to sign her portion of the forms XX/XX/XXXX days after I signed my approved documentation on XX/XX/XXXX. Once the co. applicant signed her documents the terms changed without my consent and knowledge. XXXX XXXX and Capital One has altered the original approved documents and has made the interest rate and payments so high to afford. This is against the law and needs to be corrected. The finance officers at XXXX XXXX XXXX should not have forged or altered any documents without making me aware. I feel I was Scammed and made a target, because I am XXXX American, along with taking advantage of my elderly mother-in-law. I tried refinancing the vehicle on XX/XX/XXXX that's when I was made aware of the terms and added services the finance officers changed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a hotel using chase XXXX XXXX XXXX  on XXXX ( with a cancellation period before XXXX ) XXXX points. I cancelled it due to a severe family illness on XXXX. On XXXX, I get an email for another EXACTLY IDENTICAL booking ( note that this is AFTER the cancellation window, and there is NO cancellation window on this new booking ) that I did not make and have been trying to get refunded ever since. 

I have called the Chase XXXX XXXX portal over 5 times and have been transferred to many supervisors. They say they need the hotel 's consent to get this refunded and that the hotel is not responding. Once agent even said I can contact the hotel myself, so I email them since it is an international hotel. The hotel replied promptly and says that they have not recieved any queries or requests from Chase. I call chase again, they say they will let me know in 12 hours. They don't. I call again, get transferred over 5 times for over 2 hours only to tell me it is denied. I ask for the agent to try again and she puts up a fight. I have to argue with her for over 30 mins to try to get her to contact the hotel again, and she says that there is no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CITIBANK, N.A.
State: VA
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:
I have held the account in question for many years. In XXXX of 2018, two questionable charges appeared on my account ( {$36.00}, and {$70.00} ). Beginning  immediately, I placed calls to the Bank. The first call never allowed me to speak to a person. Subsequent calls amounted to long, convoluted, insulting, non-productive conversations with Bank representatives ( during which, " a supervisor was not available '' ). I then initiated efforts to obtain documentation of the charges via letter - sending three such letters, on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The only response I received amounted to form letters asking for " additional information '' and inviting me to call the Bank again. Documentation of the referenced charges was never provided. The Bank has added fees to each monthly statement. Furthermore, the Bank has submitted negative information relevant to my account to credit reporting bureaus.

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 2023-06-15
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a new XXXX Hyundai XXXX in XX/XX/XXXX. I paid a {$1.00}, XXXX deposit and traded in a XXXX Hyundai XXXX valued at {$4000.00}. Upon leasing the vehicle I had many unresolved issues by Hyundai. I spoke with their consumer affairs department multiple times and they failed to correct the issue. Although those issues are independent of the issues concerning this complaint, they are relevant in that Hyundai continues to act in bad faith against consumers. My lease was for 36 months and was set to expire XX/XX/XXXX. On XX/XX/XXXX, my car was declared a total loss due to flooding. I paid approximately {$14.00}, XXXX in lease payments. My insurance carrier encourages, XXXX, sent Hyundai Motor Finance a settlement check in the amount of {$19.00}, XXXX. In total, Hyundai Motor Finance received approximately {$33.00}, XXXX for the vehicle, an amount that far exceeded the market value of the vehicle even when it was brand new. When I initially contacted Hyundai Motor Finance XXXX of its representatives advised that he believed i would be entitled to a refund. I received a final statement from Hyundai which included a fee of {$75.00}. I paid the {$75.00} and called Hyundai to inquire when I would receive my refund. Hyundai advised they would not be providing me a refund. I explained they were overpaid by my insurance company, I traded in my old vehicle to lease their vehicle, and I also placed a {$1.00}, XXXX deposit. Hyundai explained they were not involved with the initial lease transaction. I explained to Hyundai the dealership, XXXX XXXX Hyundai XXXX XXXX, advised my trade in and a {$1.00}, XXXX payment was required for approval by Hyundai Motor Finance. In fact, I remember the dealership quoted me a very high lease payment ( over {$500.00} ) which exceeded Hyundai 's advertisement of {$300.00} for a new leased vehicle. They were able to get me down to a payment of {$420.00} at a rate of 4 %. I asked Hyundai to reimburse me the {$1.00}, XXXX and the cost of my trade in vehicle. Hyundai has refused. I am now without a vehicle and unable to fiannce a new vehicle as Hyundai has been overpaid by my insurance company. Hyundai is engaging in unfair trade practices against its consumers.

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 2021-06-29
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: LA
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:
Basically ask the credit bureaus to do a verification of everything on my credit report and they did they stated that everything was accurate and you did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. in accordance to the fair credit report XXXX XXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A states that 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 response to consumer: Closed with explanation