BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: KY
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 A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM 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 2023-04-14
Company: EQUIFAX, INC.
State: MI
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:
I was looking at my credit report and I seen I had some negative item on my account that i feel inaccurate i will like to have a full invesagtion on my report to have old address and job remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an offer in the mail from Capital One Quicksilver Rewards during the week of XX/XX/XXXX. The card states I'm pre-selected for a 0 % introductory APR offer. It states on the envelope the APR applies to purchases and balance transfers.

Opening the information received, the offer continues to state the card offers a 0 % introductory APR on purchases and balance transfers. 

Upon further review of the enclosed term sheet, the card actually has a 3 % transaction fee for transfers. This fee will be " 3 % of the amount of each transferred balance that posts to your account through your XX/XX/XXXX billing period or at a promotional APR that we may offer you at any other time. '' Under Regulation Z, 12 CFR 1026.4 ( a ), and the commentary ( comment 4 ), " any transaction charge imposed on a cardholder by a card issuer is a finance charge, regardless of whether the issuer imposes the same, greater, or lesser charge on withdrawals of funds from an asset account such as a checking or savings account. '' Additionally, Capital One 's own website states : " APR vs. Interest Rate : What's The Difference? .... The APR is a broader measure of borrowing costs. It can include the interest rate plus other costs, such as transaction fees and discount points. '' Date, XX/XX/XXXX, source - https : //www.capitalone.com/learn-grow/money-management/apr-vs-interest-rate/ # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, to % XXXX % XXXX % XXXX % XXXX. 

In summary, advertising this particular offer as " 0 % introductory APR on balance transfers '' is inaccurate and deceptive. The regulatory definition of finance charges clearly includes these transaction fees and would require their inclusion into the APR disclosed. Advertising the promotion as 0 % introductory APR on balance transfers when the offering literature discloses a 3 % transaction fee misleads customers : Customers open the offer expecting a truly 0 % ( no fees ) offer, and then are disclosed a fee. This appears to be a bait and switch tactic. 

Capital One appears aware of the difference between APR ( which includes finance charges, like a transaction fee ) and interest rate, as evidenced by their website quote, yet is not utilizing this knowledge in preparation of its marketing materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Someone committed fraud with my debit card and credit report. Then i receive a data breach letter from titlemax. Titlemax is guilty of gross negligence. They waited over 90 days to inform me of this data breach. my family attorney instructed me to file this complaint and await a response from title max before we proceed with a class action law suit. Titlemax has offered a 1 year credit monitoring service as if that fixes the problem or compensates me for my NOW decreased credit score and banking issues ive had now due to this. My personal confidential information is now out there forever! No credit monitoring service even begins to correct their gross negligence! I am giving titlemax this one and only opportunity to offer me a more compatible compensation or i will persue this in court. I have also filled complaints with the XXXX the TN governors office in addition to the TN attorney generals office. I just want my account closed my title returned to me and my personal information scrubbed from their system forever! Cut my loan by 50 % ill pay off whats left and that will be the end of it. Otherwise face court fees attorney fees and whatever damages a jury decides is owed. Your call!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I got a copy of my credit report and asked the Transunion and XXXX to do an investigation to make sure everything was complete accurate according to 15 USC 1681i. 

I waited over 30 days and have not had a response from them. Here are my tracking numbers ; Transunion is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 and XXXX is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 These credit bureaus are holding me back from expanding and growing my business. It's very frustrating because these credit bureaus are not following the law.

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 2023-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 filed a dispute with XXXX about an account with credit acceptance whom violated my rights. XXXX done the investigation and said that it was true and accurate. However, I disagree on there investigation. please see all of factual documentation in enclose including the letter to credit acceptance letter as well all XXXX credit bureau with all the federal laws that they had violated

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 2023-04-14
Company: National Credit Systems,Inc.
State: AR
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 HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX YEAR OLD THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-04-14
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 noticing an erroneous debt appearing on my Experian credit report in XXXX I called the name of the firm on the report XXXX XXXX XXXXXXXX XXXX. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with Experian and the derogatory reporting still remains. Apparently Experian made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.

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 2023-04-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-14
Company: CITIBANK, N.A.
State: TN
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:
On XX/XX/, I initiated a balance transfer of {$2500.00} from my Citibank Simplicity Credit Card to my XXXX XXXX XXXXXXXX Credit card. However, I put the wrong numbers on the balance transfer form. On the second set of 4 number I put two XXXX XXXXs instead of two XXXX  's. Citi found the error and explained it to me. The representative said the money would be back on my card in 3 business days. That didn't happen, so I enlisted the help of XXXX XXXX  XXXX to help me fix this on XX/XX/XXXX. Citi opened an investigation and gave it a reference number XXXX. After two more investigations, and another trip to XXXX  XXXX XXXX on XX/XX/XXXX for their assistance, Citi said they would expedite this and I would have the credit on my card in 48 hours. Instead, I got yet another letter saying the balance transfer was sent sucessfully to a XXXX XXXX account. I never heard of XXXX XXXX, and they don't want to talk to me because I have no business with them. Many phone calls later, I'm no further getting this resolved, and I'm paying interest on money I don't have, not to mention what it's doing to my credit score.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In 2019 XXXX is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Was told the wrong date for a hardship installment, was not informed until XXXX weeks later after I missed the first payment that I was no longer on the program and would be reported late for a payment that I had no idea had to be payed. Also my online account information is incorrect, does not show a pass due, just the date I had to pay ( the date I thought I did ) Company is practicing bad consumer relationships through whole process. Will not take any responsibility in causing me to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
in XX/XX/XXXX i received a statement indicating payment of tax bill for XXXX for XXXX XXXX XXXX that was under lease though i purchased it outright in XX/XX/XXXX from KIa Motors Fiance in amount of {$630.00} so I paid it via check # XXXX on XXXX and it was cashed by them. I then received a tax bill from Citoy of XXXX indicating that no taxes for XXXX was paid and since I own the vehicle I had to pay via check # XXXX before my registration was cancelled. I contacted Kia and was told to send all paperwork to their Tax Abatement office so they may refund my {$630.00} and that was on XXXX. I never heard back and sent a follow up letter on XXXX and still nothing. I phoned them again on XXXX and they said they need the registration which the bank took when i purchased the vehicle and my registration shows myself as owner not Kia Motors Fiance like before. They demanded me to pay taxes for XXXX yet they never paid the City of XXXX and I had to pay them for same vehicle and same tax year. They fraudently took {$630.00} and I am willing to sue them as I have supplied all required paperwork showing amounts, cashed checks, tax bills, vehicle vin numbers etc that much up XXXX wish to file a complaint for blatant consumer violations

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 2023-04-14
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2021, a debt account was initiated in my name. I subsequently made a request for verification of said debt, inclusive of the original agreement, in order to ascertain the veracity of the original creditor and underlying debt amount exclusive of any ancillary charges. 

Regrettably, despite the request being lodged, I was not furnished with the aforementioned documentation. In light of this, and given the frequency and persistence of the debt collector 's communication attempts, I proceeded to engage a representative of the aforementioned entity and forcefully articulated my demand to cease and desist with the communications. 

Furthermore, I expressly communicated to said representative that I had previously solicited verification of the subject debt, but to no avail. As it stands, the entity has my correct contact information on record but has yet to provide me with the requisite documentation to validate my purported indebtedness. 

In sum, given the lack of evidence of the debt, the absence of due documentation to substantiate said debt, and the failure to meet legal deadlines with respect to furnishing requested documentation, I vehemently maintain that I do not owe the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-14
Company: ALLY FINANCIAL INC.
State: NC
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 currently have two balances with Ollo Card. Most of my balance is a balance transfer that carries 4.99 % interest until XX/XX/XXXX. The high interest balance has had several interest rate increases over the past year because of the Fed raising rates almost constantly. My issue is that even though I send in payments that are over-the-minimum, the over-the-minimum payments are NOT being applied to the high interest balance, which currently sits at 27.49 % I have not used this card at all since XXXX of XXXX, other than the balance transfer that took place on XX/XX/XXXX. At that time, the high interest balance was {$1300.00}. Since XXXX of XXXX, I have paid {$800.00} OVER the minimum payments, which should have been applied entirely to the high interest balance, but has not been. My current high interest balance is STILL over {$700.00} - {$700.00} according to the XX/XX/XXXX statement. Had my payments been applied as required by law, my high interest balance should now be {$540.00}. I believe that Ollo is purposefully keeping my high interest balance as high as they can so that they can accumulate as much interest as possible. Since the Fed began raising rates, my interest rate has jumped over 5 points which has been very profitable for credit card companies like OLLO. 

At one point between XXXX and XXXX of XXXX, my high interest balance actually INCREASED by XXXX cents!! How is that even possible when I always pay over the minimum AND I have not used the card since XXXX of XXXX? 

On XX/XX/XXXX, XXXX XXXX EST, I spoke with XXXX at Ollo customer service regarding this matter. She referred me to her supervisor whose name is XXXX. XXXX told me that this matter would be researched and that I would receive notification of their findings within 30 days via US Mail. I have given them two statement periods to correct this issue and nothing has changed and I have not heard anything from Ollo via email or US Mail. 

I believe that Ollo Card is in violation of The Card Act of 2009 by not applying every penny of my over-the-minimum payments to the high interest balance.

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 2023-04-14
Company: EQUIFAX, 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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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