BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Sales associate named XXXX XXXX XXXX XXXX, lied about the down payment required for the loan of my vehicle. I scheduled an appointment at XXXX XXXX XXXX and was pre-approved through Capital One Auto Finance and clearly informed XXXX that I did not want my credit to be ran because I had already decided who I was going to be financed by. With the required down payment verified by Capital One, XXXX gave misleading information stating my down payment was not {$630.00} as stated on my approval form from Capital One. He changed the down payment amount to {$4000.00} and never applied the amount to my loan. He stated it would be a deferred down payment and it was never reported. XXXX and the XXXX XXXX XXXX XXXX XXXX stated that the XXXX insurance was required and mandatory in order to complete my purchase of the vehicle. Desperate to purchase a car for reliable transportation to be able to successfully flee my XXXX, I made the purchase and signed everything in less than 30min. Upon reviewing my financial statements I noticed the deferred down payment was never reported and the optional add ons were not mandatory, they were optional. Also, the terms do not match what is reported on credit reports. When I requested verification with all documents containing my wet signature, I received a document that contained a signature that was not mine. I believe the signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Right now I am bothered! This is my Final and Last attempt to file a complain in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the XXXX BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$7700.00} ; XXXX  XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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:
This is my NUMEROUS 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 accounts 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 Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: SC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report shows numerous inaccuracies. Almost all accounts have information that doesn't match another agency. Names and addresses are incorrect. Accounts that have been paid in full are marked as collections.

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 2022-10-17
Company: Courtney & Camp
State: MS
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:
I have been making payments on my student loan through Courtney and Camps XXXX XXXX in XXXX, MS for years. On XX/XX/XXXX, I called to request my account balance and was told that it was {$340.00}. I submitted a check for {$290.00} that was withdrawn from my account on XX/XX/XXXX and I submitted another check for {$55.00} that was withdrawn from my account on XX/XX/XXXX, with a note requesting a letter verifying that my student loan from XXXX has been paid in full. I made another call on XX/XX/XXXX to verify if the last check was received and was told that it was received on XX/XX/XXXX. When I inquired about receiving the verification letter that my loan is fully paid, I was told that they have to wait for the check to clear. I have been checking my mailbox for weeks and have yet to receive anything and I am livid. Both of my checks went through, so I dont understand why it is taking so long to mail a simple letter. I need it for my personal records and to retrieve my transcript to register for school by XX/XX/XXXX. XXXX is almost over and I dont have much longer to continue waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MN
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 disputed discrepancies on my consumer report and they were not removed as they should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Receivables Performance Management, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, XXXX, {$860.00}, I called Receivables Performance and explained to them that XXXX had already taken out this amount from my bank. I even emailed them a copy of my bank information and they never responded back.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: OH
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 disputed this account multiple times with Experian and also with XXXX. The information is still reporting incorrectly to my credit report. The status on my credit report should show paid. It's reporting status is showing as past due 30 days. It has been reporting as that since XX/XX/2020 despite several efforts to get it fixed.

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 2022-10-16
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: Their investigation did not fix an error on your report

Complaint:
Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!

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 2023-04-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XXXX there was a fraudulent charge of {$8400.00} made to my XXXX XXXX checking account by XXXX rental car. I called the bank to immediately dispute the fraudulent charges. The bank handed over my dispute to an investigator but would not provide me with any further details or even a case number or any contact to follow up. A couple of weeks went by and I got a call from the bank collecting the funds from me stating that my investigation has been closed and I owe the bank the charge.I keep getting harassed by my financial institutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PHH Mortgage currently holds the debt for a property that is in a trust. The sales agreement for this property was signed on XX/XX/XXXX and is due to sell on XX/XX/XXXX. 
Item # 1 : PHH refuses to acknowledge or communicate with our realtor even though we have directed PHH in twice writing to do so and have provided all the information necessary to establish this line of communication.

Item # 2 : PHH claims that they can not " locate our account '' - whatever that means- even though PHH provides us with monthly statements regarding the account. How can this be?

Item # 3 : PHH continually communicates with us from a different office location even though they identified a single point of contact in the early stages of communication regarding the property and the loan. 
Chronology of Events : XXXX : Property Owner dies XXXX : Trustees send death certificate to PHH. 
XXXX : PHH sends a default demand letter requiring the trustees for the property to submit the information required by PHH. 
XXXX : Trustees respond in writing sent by certified mail and include all contact information for our realtor who is under contract via a listing agreement as of XXXX. 
XXXX @ XXXXXXXX XXXX : PHH receives letter sent on XXXX XXXX : PHH sends letter extending foreclosure date to XXXX and claims that PHH still does not have authorization to communicate with our realtor. Letter sent from offices in Florida references all the correct account information for the loan. 
XXXX : PHH mails a statement ending XXXX XXXX for the account XXXX : Trustees receive a written statement ending XXXX. 
XXXX : Trustees receive the PHH letter dated XXXX and write a letter that is sent by email on that day which authorizes XXXX XXXX to act on our behalf and directs PHH to communicate with her directly. PHH fails to acknowledge receipt of the email. 
XXXX : Trustees re-send the letter dated XXXX to PHH via express mail with delivery confirmation. 
XXXX : PHH mails a letter to the trustees from a New Jersey office claiming that they are unable to locate the account with the information provided. What locate means is unclear. Why the New Jersey office does not communicate with the Florida office is unclear. Why PHH is still communicating with the trustees when PHH has been notified twice already to communicate directly with our realtor is unclear. 
XXXX : Trustees receive the XXXX letter and file CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX 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 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 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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Bunch of hard inquiries for auto loans I did not approve. Plus credit inquiries. All almost XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Funds withdrawn at B of A atms that were not me, noticed money missing. Filled claims to B of A and they are dragging their feet one department doesnt seem to know what the other is doing, and they dont contact you or give any good customer service. First {$1000.00} w/d at ATM in XXXX at XXXX XXXX branch on XX/XX/21, this is 25 miles from my house, in XXXX XXXX XXXX I live in XXXX XXXX XXXX ! Second, {$1000.00} w/d at ATM in XXXX, CA. XXXX on XXXX XX/XX/21. Third {$1000.00} w/d at B of A ATM at XXXX XXXX XXXX in XXXX, CA. XX/XX/21. This one is close to home I shop at this store, but I have never used a ATM there. Worst part is B of A not working to resolve quick enough, its their ATMs, all they need to do is check the video footage and see its not me! Their handling of this ( or lack of ) is unacceptable, borders on Criminal. Dont know how they got the California EDD account to provide these Pre paid debt cards? Like I said their customer service is very bad!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
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:
They kept taking out payments from my checking account after loan was paid off. Also, I still haven't received the title.

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 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated calls from the Midland Credit Management, and each time I've informed them that I do not wish to be contacted by phone, only through written correspondence. On XX/XX/2023 I received five calls from them as of XXXX XXXX. On the last call, the agent used a blocked number and claimed to be calling from the " Treasury Department '' and it sounded like she was trying to use a different voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: GA
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:
The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer report.

Company response to consumer: Closed with explanation