BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
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: Account information incorrect

Complaint:
XXXX XXXX account number XXXX XXXX  that is on my credit report it's inaccurate last day active for TransUnion it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 TransUnion responded to a complaint I filed over 30 days ago that involved XXXX XXXX XXXX XXXX In result of feedback provided to CFPB on XX/XX/2018 my credit score decreased from XXXX reported on XX/XX/2018 to XXXX. 

All open accounts have been in good standing over the last 90 days. TransUnion is aware I've applied for a mortgage.

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 2022-09-14
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I financed a XXXX XXXX XXXX XXXX through XXXX on XX/XX/XXXX. Bridgecrest XXXX was the company who financed the vehicle. On XX/XX/XXXX I mailed by certified letter a Conditional Acceptance Letter along with the original contract to either was CEO ( XXXX XXXX ) or CFO ( XXXX XXXX ) of XXXX to XXXX XXXX XXXX XXXX XXXX, AZ XXXX requesting for validation of debt and under assumed name. I then mailed another certified letter along with a copy of 1099B which was received on XX/XX/XXXX by XXXX XXXX, I believe. Bridgecrest kept calling everyday and night for a payment that I still did not get a response of validation of debt from. I spoke with a Bridgecrest and they stated that they received the 1099B, but they do not accept 1099A as payment and still requested a payment since I was behind. I mailed to Bridgecrest CFO ( XXXX XXXX a Notice of Acceptance which was received XXXX that according to HJR 192 of XXXX that debt is prepaid since there is no real money circulating. Bridgecrest mailed back to me a copy of the agreement pointing that I owed the debt, but still validation. I get an email from Bridgecrest about repossession scheduled for XXXX XXXX if no payment was made. I mailed them back by certified letter entailing HJR 192 of XXXX and XXXX. On XX/XX/XXXX, XXXX XXXX repossessed my vehicle. Bridgecrest was asking for me pay the past due of XXXX that I told them I did not have. I asked Bridgecrest about HJR 192 OF XXXX, But a representative stated that the they do not abide by THE HJR 192 of XXXX. They mailed me back a statement saying that the car will be sold sometime after XXXX XXXX if no payment was made. I mailed on XXXX XXXX by certified letter to CFO of Bridgecrest an Affidavit of truth of violations of 15 USC 1662, 15 USC 1635, 15 USC 1605. Also included was an invoice of the violations occurred totaling {$45000.00} according to 15 USC 1692 ( a-e ) with 10 % tax along with the copy of the contract that Bridgecrest mailed me but I marked the violations on the contract. The letter was received XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Information belongs to someone else

Complaint:
These inquiry listed below on my report were not authorized. They have been reported to Federal Trade Commission. 
XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/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 2023-08-21
Company: Experian Information Solutions 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:
After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Capital One Auto Financing is charging me interest on Principal ready paid. They refuse to adjust my loan to meet with the end of our contract date of XXXX keeping my Monthly rate at {$270.00} p/Month regardless of Principle payment. Under the Law, Yearly evaluation of Loans needs to be taken place and loan recalculation is needed to insure interest isn't levied against principal paid. Capital One refuses to follow the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Under federal law, you have thirty ( 30 ) 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 fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: The CBE Group, Inc.
State: TX
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:
XXXX ( XXXX XXXX ) sent my account to collections without notifying me there was anything due. Once the collections company, CBE Group, got the file they immediately reported it to the credit bureaus. This was a {$59.00} charge that never should have gone on my report. I was unaware of it and after speaking with the collections company it is showing as satisfied rather than removed. To summarize, this was a cable box I did not know I had to return. I was never notified I needed to return it until it went on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The payment due date on my Walmart credit card issued by CapitalOne is XX/XX/XXXX. I made my payment on the due date of XX/XX/XXXX however, CapitalOne is assessing me a {$28.00} late fee even though the following day is a federal holiday and the payment will not be processed or completed until the XX/XX/XXXX. 

I am attaching a screen shot of the CapitalOne mobile app to show that the late fee was assessed the same day as the payment due date and a e-mail confirming that payment was made on the due date of XX/XX/XXXX. 

CapitalOne is the only credit card company that has early cut off times. All the other credit card companies XXXX, XXXX, and XXXX give customers until XXXX XXXX on the payment due date to make payment before assessing a late fee. Credit card companies also program their computers to automatically assess late fees. 

In my opinion the federal government and the states should either limit the late fees to {$10.00} or prohibit the late fees altogether. Additionally, credit card companies are required by law to charge off accounts when no payment has been received for 180 day and once they charge off the account the late fees and interest must stop. This late fee is a junk fee just a fee to charge a fee and squeeze additional revenue out of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am submitting this due to the Wells Fargo Lawsuit. 
I have moved out of California and have not received any communication from Wells Fargo.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-08-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NFCU Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly.

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. Thank you.

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 2018-07-15
Company: Affiliated Acceptance Corporation
State: TX
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:
Affiliated Acceptance Company has listed a inaccurate debt on my credit report stating that I owe {$10000.00} dollars for a debt that they have never verified. I have asked them to send me verification that I have a contract with them showing my signature and in response I receive a billing statement. I know under the Fair Debt Collection Practice Act a billing statement can not be used to verify debt that the collector actually has to prove that you have a binding contract with them. I also verified that Affiliated Acceptance Company do not have a surety bond in Texas which also make it illegal for them to try and collect on a debt or pursue any debt collection activities. I also have proof that under the Texas Debt Practice Act this company has violated penal code 392.101. Which states '' Texas Fair Debt Collection Practices Act 392.101. BOND REQUIREMENT. 

( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act SYNCBCARE CREDIT XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency cannnt furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as 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 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX is when I first started driving up to Colorado, there were fraudulent atm withdrawals made on my card with my PIN number amounting to a total of {$540.00} claim was made on XX/XX/XXXX claim ID number is # XXXX the bank is insisting that the charges were made by me as I am the only one who knows my PIN number, however I have never been to the two restaurants that was explained to me by the fraud department. I had told them everything I knew about the situation and this is not the first time my account information had been hacked, if you look in the past fraud history my card has been targeted more than seven times. The bank has now denied the claim and states that If Im not able to provide any more information on who might have my pin then the claim will stay denied. When speaking with XXXX, one of the fraud reps from Bank of America he told me that card skimmers are not able to extract my PIN number, however upon further research they are able to make complete copies of your card with your PIN number, all information being obtained from a card skimmer. On the way to CO I had to spend roughly {$1500.00} in diesel fuel, so my card was used multiple times at different gas stations across the country, XX/XX/10 times when my card information was stolen/hacked in Florida was from a gas pump card skimmer, I have pulled them off the gas pump myself just checking them before, this countrys day and age of an honest dollar has been washed down the sink, we are in a dog eat dog world, technology is advancing quicker than we can snap our fingers. I should not be paying for bank of americas poor security measures in protecting there clients and everyday 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 monetary relief
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMCB CARD SERVICES - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
Requesting that collection companies provide debt validation letter for this debt. This would not involve verifying the questions debt but legal right to collect said debt if accurately reported. So, please provide copy of DEBT VALIDATION LETTER for the following account : Account name : 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 explanation
Consumer complaint received 2023-04-08
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 just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} 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 explanation