BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: NCB Management Services Inc.
State: NV
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 bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent Account # 8983 has violated my rights.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not 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 2023-07-06
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: Account information incorrect

Complaint:
Dear CAPITAL ONE, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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 have a collection account that I believe is someone else 's account, XXXX and XXXX have already removed this collection from my credit report. All the bureaus are supposed to have the same information. Experian has also failed to provide any debt validation of this debt, I have no idea what this collection is.

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 2019-06-24
Company: Diversified Adjustment Service, 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:
I've attempted to contact Diversified Adjustment Service to provide with a written and signed contract between myself and Diversified Adjustment Service regarding repayment, all to no avail. I sent letters to this company XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The only response I've received are statements with my name on them. They refuse to provide the written and signed contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Costco Visa Credit Card administered through Citibank. I am for the most part very happy with the cards benefits, the convenience and especially the customer service. One of the benefits that I took advantage of last year was a 0 % Balance transfer offer. I try to avoid interest fees at all costs so from XXXX through XXXX of this year, when I received my statement, I called to ask what is the amount that I need to pay in order to avoid interest. This amount is not specifically listed on the statements like it is on some competing credit card statements. When I receive my statements, I call up Customer Service to ask how much do I need to pay in order to avoid interest and am given amount by their telephone representative. I pay the amount and have been surprised to still been charged interest each time. The amounts are not huge but these days every penny counts for me. Today, thankfully I reached a supervisor and she reversed my fees incurred since I took my balance transfer but my concern is am I going to have to call again? Thankfully in two months I will pay the card off but if I ever want to take advantage of an offer again will I go through the same process of calling? I get offers from Citibank several times a month for balance transfers. What I would like for Citibank to do is to give an accurate figure on their statements detailing the amount due to avoid any interest. As I mentioned, many of my other competing accounts due this. Why not Citibank? 

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 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I received an email saying I had won a {$50.00} American Express XXXX Card from a sweepstake I had entered, ( XXXX XXXX XXXX Promotion ). I filled out all the paperwork and received my XXXX XXXX online, in my email. 

I tried the card out and ordered a {$8.00} pizza. It went through with no problem. However, when I tried to use the card several weeks later, it wouldn't work. I tried several different stores, and it just wouldn't work. The different stores tried to take a small fee off the card for the use but those fees never went through either. 

I did contact a few of the stores like XXXX XXXX XXXX, Little XXXX, XXXX XXXX and they all told me the card would not work, even when I gave them the numbers over the phone. So, I contacted American Express XXXX XXXX at the number that came with the card. After talking with them, I was told that the card was working fine, and they found no problem at their end. I was told to make sure I entered all the numbers and the CVV as well. 

So, I tried again that same day and still, it would not work. I called back and they said there was nothing they could do because the card was still showing up as working and they saw no reason to replace it. 

I did contact a XXXX XXXX XXXX, who was the Sweepstakes Coordinator. He said that according to the rules, once you receive the prize, the card, they are no longer responsible for it or any problems that might occur while the card was in my possession. So, that was out. 

I don't understand why American Express wouldn't issue me a new card and deactivate the one I have. I mean the card has an expiration date of XX/XX/XXXX. So, I don't understand why not? 

I have a balance of {$41.00} as I just checked it. All I want is a card that works because I see no reason to lose that {$41.00} This really is unfair. I don't know what else I'm supposed to do. 

I don't have any response in writing from American Express. I only have the original paperwork from the sweepstake win. I don't know if it'll help but I'm sending it along, Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 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 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting 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 received an email from CapitalOne on Thursday night thanking me for my application but I did not apply for anything. It is now showing up as a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I did a maintence repair for a costumer and was payed with a check the information was not verify on the check and was believed to be fraudulent and as a result previous chase account was closed and I have been denied opening a new account at diffrent banks and branches

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A notice was sent to Nissan Motor Acceptance Company LLC, requesting to validate the debt for Acct # XXXX. I received notice on XX/XX/2023, from Nissan Motor Acceptance Company LLC stating that my debt had been sold to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, PA XXXX. 


Section 604 of the Fair Credit Reporting Act ( FCRA ) states that a creditor can not sell your credit information to a third party without your permission. This includes your credit report, your payment history, and any other information that the creditor has about you. 

I never gave Nissan Motor Acceptance Company LLC to sell my credit information. This is a violation of the FCRA. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC, to stop reporting negatively on my credit report. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC to remove itself from my credit report and to notify all ( 3 ) Credit Bureaus Despite, the debt collection being listed as a charge-off and sold to a third party without my permission or knowledge. Nissan Motor Acceptance Company has continued to report late payments to the ( 3 ) Credit Bureaus. 

This is another violation of the Section 604 ( a ) of the FCRA. Once a debt has been sold to a third party, the original creditor can no longer report late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XXXX XXXX I enrolled into XXXX XXXX ( XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX. 

In XX/XX/XXXX, I notice that Transunion reported my XXXX XXXX account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with XXXX XXXX that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted Transunion, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open. 

As of today XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any XXXX XXXX or XXXX XXXX XXXX XXXX store with no issues. I contacted Transunion today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: United PanAm Financial Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I contacted the XXXX  office who has the debt, this vehicle broke down immediately after having it not long. the dealership sold bad cars and had a reputation and was closed down right after I purchased. I was told by the dealer that they knew the car was a bad vehicle yet still sold it to me. they told me to contact the lendor XXXX XXXX XXXX  refuses to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were on the REPAYE plan which was supposed to be converted to SAVE. All of my loans were initially converted to SAVE but then without explanation several were taken off of the SAVE plan. I have spent hours on hold and finally spoke to someone that said I would need to reapply for the SAVE plan. I reapplied and now they are telling me it could take up to 90 days to resolve this issue. Today they debited my account for one amount that doesn't match the amount due, an amount that is far higher than it should be. I want my loans immediately put back on the SAVE plan, and the correct payment account calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CCF Intermediate Holdings LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX Attn : XXXX XXXX Account # XXXX On XX/XX/22, I was unable to log in and make a payment prior to the due date of my loan whereby, the creditor had manipulated on-line user account access. I phoned XXXX XXXX, who thought I had established a good relationship with and was told they didnt support the XXXX XXXX debit card. 

The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because the creditor had scheduled it for the next day. According to XXXX XXXX, this is a fraudulent transaction and is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, XXXX XXXX would call asking me to re-loan, but I had to do it before the XXXX of the month, which is my pay date. Up until this point I paid my loans off with no problem. I didnt realize the new loan was due on my pay date, and another fee of over {$50.00} was assessed to my loan every month. The creditor utilizes a loop whole to charge additional interest and prevents me from paying the loan off sooner. This is a breach of contract since there are no penalties for paying the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SYNCHRONY FINANCIAL
State: TN
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 debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation