BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: Terrill Outsourcing Group
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2018, I had received an 6 months interest free loan from XXXX XXXX XXXX for {$740.00}, which has been paid in full. XXXX   assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by XXXX XXXX XXXX due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my XXXX. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/XXXX and XXXX XXXX  customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and XXXX, I was able to get a number to XXXX XXXX financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from XXXX   never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at XXXX and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from XXXX in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: MD
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:
During the XXXX Pandemic period, I was offered a XXXX Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the XXXX credit bureaus. The put me on a trial period plan where I make XXXX straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the XXXX credit bureaus that I had XXXX days late and it dropped my credit scores XXXX points!!!!

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 2023-05-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo damaged my credit profile with overdraft fees and incorrect accounting Excess of {$2500.00} They sent me a check for {$35.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I got a home equity loan to pay off my CITI Bank Sears Master card. I got the check from XXXX XXXX via XXXX XXXX. Check number XXXX loan number XXXX amount of {$30000.00}. I was sent in to Sears at the billing address of Sears Credit Cards, XXXX XXXX XXXX, XXXX, Pa XXXX. 
Sears has never cashed the check and paid off my credit card. They are sitting on the check. I called Sears on XX/XX/2022, at XXXX, It is a call center. The lady said it takes 2 weeks to process the check. Since then they keep adding on interest to the bill. 
I called XXXX that issued the heck, I talked to XXXX, ( XXXX ) she said that they hold checks all the time, I asked if they could stop payment and electronic pay the bill. They cant do that, they need a physical check. So I am waiting So another XXXX dollars was added to the payoff. No credit card co should be allowed to sit on a check or hold it up in any way. 
Can you plesae get the Sears Credit Card Co. to process the payoff. Thank you 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 monetary relief
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: MD
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:
During the XXXX Pandemic period, I was offered a Covid Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the XXXX credit bureaus. The put me on a trial period plan where I make XXXX straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the XXXX credit bureaus that I had XXXX days late and it dropped my credit scores XXXX points!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Greetings, Greetings, XXXX XXXX XXXX XXXX is writing in regard to the XXXX six year long campaign for the modernization of telephone banking, and submission of these XXXX recommendations to XXXX XXXX. XXXX is addressing statements in this letter with the presentation of the following urgent information and report, Safe Call ( see below ) : Over XXXX people were killed in automobile accidents last year, and another XXXX were seriously injured! The automobile is the number one cause of harm and death to young people and students! 

The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure for this deadly epidemic ... Eyes on the Road/Hands on the Wheel ... the science of road concentration! Once this message is realized by the driving public the next step is distraction prevention. 
There are XXXX mobile phone users and over a XXXX vehicles, so mobile phone use while driving is a worldwide constant and this fact must be reckoned with. 

Banks are the most called business in the world, and also the business most likely to have the dangerous request, " enter your ATM card number. '' This request is extremely hazardous to those on the road as it is encouraging people to text message or read ATM card information while driving! Furthermore this telephone banking practice is rendered obsolete with the realization that ATM cards are no longer effective as modern security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords and user names. 

Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Capital One have acknowledged the importance of the XXXX recommendations for voice command on their main telephone banking line by using them, XXXX now proposes that these same innovations be applied to all banking divisions, such as credit card, mortgage, brokerage, and loan departments. 

The XXXX Safe Call recommendations improve banking security, safety, proficiency, and customer satisfaction, and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements Again : ATM CARDS UNSAFE FOR IDENTIFICATION AND SECURITY! 

ATM card identification requests encourage text messaging, and card reading while driving! 

ATM cards are obsolete and ineffective for security and should be replaced by modern identification security. 

Please read complete urgent XXXX research recommendations at : Safe Call http : //carsafe.org/safe-call.php Help Save Lives and Improve Banking Security! 
XXXX require fair market research compensation for use of this valuable research.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
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: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a car through XXXX XXXX and terminated the lease early when I leased a new car. I received an invoice from XXXX XXXX on XX/XX/2018 that had numerous errors and omissions. I detailed these in a letter of XX/XX/18. 
Among these errors is an " excess wear and use '' charge of {$1000.00}. Since I purchased an " Excess Wear and Tear Protection '' policy through the dealership and with XXXX XXXX I requested a claim form from the rep ( XXXX ) on XX/XX/18. The promised claim form never was received. Instead a copy of the AIM Inspection Report was sent. I faxed this report along with a claim to XXXX XXXX. 
I received a call from XXXX XXXX on XX/XX/18 demanding payment in full by XX/XX/18 or they will send the bill to collection and threatened my credit score. I told them that I filed a claim as directed with XXXX XXXX and it's up to them to work out the details. I was informed that XXXX XXXX " ... does not deal with third parties '' and it is my responsibility to settle the bill even though I still consider it to have numerous errors. 
I do not intend to satisfy this bill until it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: AZ
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 the original debt collector XXXX XXXX XXXXXXXX XXXX reporting as a collection/chargeoff account and I guess they sold the account to XXXX XXXX XXXX They are reporting to XXXX Equifax as an open account and reporting to XXXX XXXX as a collections account. I dont understand how could they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Turner Acceptance Corp.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Turner Acceptance is reporting an account on my credit that should not be there the car was paid for they have a problem with payments I am requesting a full contract and payment history from them I have requested this information before and I was unable to get it from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report from Equifax, XXXX and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NJ
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 consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIZENS FINANCIAL GROUP, 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:
Hi, I returned the XXXX to XXXX then got credited on the line of credit account. I then closed my line of credit account for my citizenspay on XXXX and they closed it but however they reported it as late which is false. They never generated a statement or email that stated it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company, New American Funding, received funds and held them for payment without applying to mortgage payments owed ( XX/XX/XXXX ). Company did not process borrower assistance packet at all ( XX/XX/XXXX through XX/XX/XXXX ). Misrepresented actions they would take when processing the borrower assistance packets, specifically not reporting derogatory information during delays in processing by the company ( Company placed home in pre-foreclosure after complete borrower assistance packet had been received and before being processed ( XX/XX/XXXX ). When consumer disputed credit reporting, late payments and pre-foreclosure notice, the company took more than 30 days to deliver a response ( XX/XX/XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: OH
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:
i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do 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 2022-05-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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