BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
After receiving multiple invitations for a personal loan with this company I finally decided to see the terms on XX/XX/2021. The application process collected TONS of personal information, even my bank account details. This made me uncomfortable but I was under the impression this was the only way to see my odds of approval. In the end my application was denied and after chatting with representatives, was assured I would be removed from marketing communications. I also had to wait 36 days ( XX/XX/2021 ) for confirmation that any personally identifiable information not be sold to third party companies as is my right according to the California Privacy Law ( CCPA ), which I never received. 

Today is XX/XX/2021 and I am still receiving harassing mail for pre approved offers from Payoff by happy Money. This exacerbates my concerns about my personal data being sold, even after being denied a product from this company. I feel taken advantage of and lied to. Payoff by happy money provided a predatory experience and I dont recommend anyone to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX of XXXX, I disputed a Bankruptcy reporting on my Experian and XXXX Credit Reports. I disputed this item, which in turn they replied with a letter stating that the information was obtained from The United States Bankruptcy Court District of Massachusetts. 

I called the called the court house to confirm their response and they stated they DO NOT and DID NOT provide information like that to the credit bureaus and sent me a letter reinforceing that statement. 

I XXXX of XXXX  I sent a a second letter disputing the bankruptcy to Experian and XXXX confirming that the response was a fabrication and that they DID NOT receive the information from The United States Bankruptcy Court District of Massachusetts, along with the letter they courts sent me. 

More than a year later, I have yet to receive a response from the credit bureaus and the bankruptcy remains on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a Cease and Desist letter to XXXX and in that letter I stated that stated that as the Original Creditor 15 USC 1692a ( 4 ) That I do not owe the debt. I have made numerous calls to them requesting information on the Original Creditor to whom they claim the debt is owed in accordance to 15 USC 1692g ( a ) 5 they have failed to provide that information despite numerous attempts to have those records sent. I have made several complaints which CFPB refuses to look into despite the many violations of the debt collector and their continuance harassment, threats to confiscate my property and their use of abusive language. I have sent a recession and that was ignored as was all other correspondences I've sent to them. XXXX CONTINES TO SEND XXXX LETTERS ALLEGING THAT I OWE A DEBT DESPITE THE CEASE AND DESIST XXXX IS REFUSING TO ADHERE TO AND ADDRESS THE DEMANDS SET FORTH IN THE CEASE AND DESIST CFPB continues to close this case without further investigation! This is a direct violation of the enforcement authority of your organization : Enforcement Authority CFPB is authorized to conduct investigations to determine whether any person is, or has, engaged in conduct that violates Federal consumer financial law.16 Investigations may be conducted jointly with other regulators,17 and may include subpoenas or civil investigative demands for testimony, responses to written questions, documents, or other materials.18 CFPB may bring administrative enforcement proceedings19 or civil actions in Federal district court.20 The Bureau can obtain any appropriate legal or equitable relief with respect to a violation of Federal consumer financial law, including, but not limited to : Rescission or reformation of contracts. 
Refund of money or return of real property. 
Restitution. 
Disgorgement or compensation for unjust enrichment. 
Payment of damages or other monetary relief. 
Public notification regarding the violation. 
Limits on the activities or functions of the person against whom the action is brought. Civil monetary penalties ( which can go either to victims or to financial education ). CFPB has no criminal enforcement authority. 

16 Sec. 1051 17 Sec. 1052 ( a ) 18 Sec. 1052 ( b ) and ( c ) 19 Sec. 1053 20 Sec. 1054

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 2023-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 I opened a business checking account with Bank of America. I signed up with a {$200.00} promotion that required me to bring my account within 30 days. On XX/XX/23 I brought my account to {$5000.00}. I was required to keep my account at $ XXXX until day XXXX. My account is still above {$5000.00} and has never dipped below this amount. 

The promotion was for {$200.00} for meeting these terms. The terms stated : Bank of America is offering a {$200.00} bonus when you open a new business checking account and complete the following requirements : Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account Maintain an average balance of {$5000.00} for next 60 days ( day XXXX ) during the maintenance period This is the promotion I signed up for : https : XXXX I signed up online for this promotion. 

I did live chat and followed up. The chat representative said that there was not a promotion attached to my account despite applying online. She said she would be back in touch but I have nor heard back from her. 

I would appreciate the bonus being paid as per the terms.

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 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX2016, my identity was stolen by a woman who was living with me. I went to the police and filed a report against her. They could not find her. I then noticed things on my credit was not accurate as I went to apply for a car loan. I seen there was numerous inquiries and items on my report that was not authorized by me. Two credit cards from capital one. One amount for XXXX and another amount XXXX. I have joined two credit repair agency to help resolve this and I have also contacted the credit card companies themselves giving them a copy of the police report. They refuse to remove the items from my report and they label the debt as accurate information when it is not and I have provided them proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX  proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXXXXXX XXXX and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. I HAVE TAKEN THE PROPER STEPS AS REQUIRED BY THE FEDERAL TRADE COMMISSION AND COMPLETED A SWORN AFFIDAVIT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Fri XX/XX/XXXX, I called Bridgecrest as I thought I was late on my payment. When I called, I had already scheduled a payment for the past due amount, which was to pay around XX/XX/XXXX, which had not processed ( the normal process time is about 4-5 days ) and wanted to discuss payment options for my XXXX payment. The rep I spoke to told me I only owed {$5.00}, and that other than that, I was up to date and did not have a payment due, after the {$5.00}, until XX/XX/XXXX. So I took the money out of my checking account and let that XX/XX/XXXX payment go through and get returned. I have been unemployed since XX/XX/XXXX, have been making regular payments but after being unemployed for several months, I was more than thrilled to have an extra {$440.00} that I could use to pay other items that were also due. Today, I received a call that I was past due and needed to pay asap. I was totally confused - just 5 days ago, I only owed {$5.00}. The rep argued with me and told me that I had returned payment but no matter how I tried to explain the XX/XX/XXXX call, she would not listen so I hung up. I called back, same no interest/no care from that rep but I told her that Bridgecrest needed to listed to the XX/XX/XXXX call and then let me know what they could do. Their rep said I only owed {$5.00} which I paid on that day. The rep said the supervisor would review the call from XX/XX/XXXX and call me back within 15-20 minutes. That was over an hour ago and no return call or options for paying. 
Now, I'm afraid they will just come take the car and being out of work, that would be very detrimental for my family. I called trying to work with them, I was given the incorrect info and now, the car could be gone today- all because of what their rep told me. As an FYI, my daughter was sitting with me when I made the call due to a broken rib I have from a recent accident, and it was on speaker phone so I do have a witness of the call. I also sent a text to my son telling him the good news because right now, his job is the only thing keeping us going.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account 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.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights XXXX. XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX. XXXX XXXX XXXX had violated my rights XXXX. XXXX XXXX XXXX has violated my rights XXXX. XXXX  XXXX XXXX XXXX  XXXX has violated my rights XXXX. XXXX XXXX XXXX has violated my rights XXXX. 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-22
Company: LoanCare, LLC
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:
The Loancare services company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.

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 2022-06-14
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry in my report, I dont recognize. the company name is FLAGSHIP

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Suspected inaccurate overdraft fees.

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 2023-03-31
Company: GOLDMAN SACHS BANK USA
State: AL
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:
The Apple Card managed by Goldman Sachs continues to have issues with the payments process. They charged my account twice without my permission and drafted my checking account for two payments in one day. They refused to reverse the payment after escalating to a manager. They said that sometimes it double charges and it is not their fault.

This is after they did not keep their commitments of zero interest on the headphones I bought. After hours on the phone, no luck. I finally gave up and just paid for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: PR
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}

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 2023-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023, I received a phone call from an unknown number. The caller left the voice mail message below. 

" This message is intended for XXXX XXXX. This is XXXX. I am with XXXX  XXXX for XXXX XXXX XXXX. Calling in regards to a civil complaint that was forwarded to my office for filing against you in XXXX XXXX. The firm that filed against you has informed me that you didn't respond to a 30-day notice mailed to the address on file. If you have any questions regarding this action taken against you, you will need to contact the issuing firm immediately at XXXX. Thank you and you've been notified! '' I received this call two days after I filed a complaint with CFPB against Portfolio Recovery. 

Recently, CFPB released an article in regards to the illegal collection practice, violating a court ordered enforcement for Portfolio Recovery to stop threatening, harassing and conducting illegal collection practices. They have violated the enforcement which forced CFPB to take action. Here is 100 % proof this unethical company believes they are untouchable and does not have to abide by any federal or state law in the manner of which they conduct business. First, they can't validate the debt, Second, they have manipulative, deceptive harassing phone calls made with messages as above. Third, they sue innocent people through deception, unfair and unjust business practices and do not even have the decency to explain themselves. 

I am requesting for CFPB to include this complaint with the action against Porfolio Recovery because this is incredible evidence of so many violations by this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
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. 

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX XXXX XXXXXXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights

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 2023-06-14
Company: Experian Information Solutions Inc.
State: MO
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 recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXXXXXX  Balance : {$8.00}, XXXX XXXX XXXX  XXXX  Balance : {$180.00}

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