BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
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:
There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate

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 2023-10-27
Company: Americas Car-Mart, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This should be removed immediately! It's been 8 years and repos are supposed to be removed 7 years. I voluntarily gave up the suv bc it kept dying on me while was DRIVING it. I want this removed within 15 days COLONIAL AUTO REPOSSESSION/FORECLOSURE Auto Loans {$4300.00} Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Amount Past Due {$4300.00} Account Details Account Type Auto Loan Responsibility Joint Original Loan Amount {$7700.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$4300.00} Date of Last Payment XXXX XXXX XXXX  Monthly Payment {$250.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AMR contacted me VIA robo-call on XX/XX/2020 @ XXXX and again on XXXX/XXXX/202 @ XXXX. They left a voicemail both times, explicitly stating that it was a debt collection attempt. I have asked previously for an itemized invoice, but have stated specifically for them not to call my cell phone number as it is also a work phone. This is a 3rd party debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my American Express platinum credit card for seven years since XX/XX/2013 and I have not had a credit limit increase also this card is a charge card and I feel like that I was not giving any ample opportunity to have a raise and credit increase this account like I said is a charge card and there is not supposed to be a credit limit on this card I use this card for all of my purchases for everything that I buy for myself or anything in life and I feel like that I am not getting treated as well as other patrons that are out there that have this card also with the American Express platinum card I pay an annual fee of {$550.00} which uses up most of my credit limit the credit limit that is On my account is a {$900.00} credit limit I think and feel that it is so unfair to have this type of credit limit and I feel that I am miss treated as a American Express member

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello : There is more than one choice from above, but that can't be done. I have pd off one capital one acct and am paying off an other quite well. I received a pre approval offer in the mail and went on line. I filled it out and found I was instantly approved I called in because of the approval and int rate. Too bad. I tore up the mailed offer so can't provide it. Limit {$300.00}. ok for what I want as a senior. I was trapped to having the card. Each time I used it I paid in full. XXXX  XXXX  notified me that my score had gone down so I checked, then called capital one. My score went down because I was up {$19.00}. My limit was {$300.00} ; I had used XXXX ; XXXX ; XXXX, each paid for on the day I received my check. ( before the due date ) The final statement from capital one was if I ordered after the bill printed on the XXXX, and paid before the due date of the XXXX there would be no effect on my credit score. The amts charged were no where near the limit. I do not want this card and I do not want my score affected. This is not right. My statements on capital one and the XXXX and XXXX statements on XXXX XXXX support this. I do not know how to attach those things, but will give access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: UHG, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I am requesting and investigation into a garnishment that I wasnt made aware of. My work environment was faced paced and delayed my ability to access digital paystub. We had mandatory direct deposit. This company started fraudulently has claimed that I have business with them. I am requesting proof be provided because I do not have any business with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX XXXX XXXX XXXX ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were XXXX ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before Short term XXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our XXXX card got over looked. 

XXXX called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance zero. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for XXXX errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this XXXX card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from XXXX that the account might be late. If you need anymore information please feel free to call XXXX or email my back at 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 2022-07-26
Company: Experian Information Solutions 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 status incorrect

Complaint:
To Whom It May Concern, In XX/XX/XXXX I purchased a used car from XXXX XXXXXXXX XXXX XXXX which I immediately started having major problems with it. Basically, they sold me a lemon. After a year of complaining, airing my grievances online, etc. the company agreed to take back the lemon car but ONLY if I purchased another vehicle from them. Having no choice, I did just that. 

The " new '' used car was purchased in XX/XX/XXXX. I made my payments on-time, yet in XX/XX/XXXX they repossessed the car and took it from my home. There was no reason for them doing this, but being naive I thought it was something I must have done that caused them to take it back. To this date they have yet to send any type of paperwork to me stating WHY they chose to repossess my car just a few months after I purchased it. 

Fast forward to just recently when I viewed my Experian credit report and they have the vehicle that they repossessed listed as derogatory. I had no idea this was the case, and over the years have realized that because of this my credit score was severely damaged, causing me to either not be approved for credit, or approved with outrageous interest rates. 

I did some research and found that according to the FCRA, any creditor must report tradelines with 100 % accuracy. If you look at the repo account you will see that payments were reported by XXXX XXXX XXXX XXXX as on-time for XXXX, XXXX, and XX/XX/XXXX and the repo in XX/XX/XXXX. How can a repo be legally pursued when no payments were missed?! 

I feel like they took full advantage of me and then literally stole from me. First, by taking the car that they had no right to take, and second by reporting erroneous data to Experian. 

I am also including Experian on this complaint as they should have questioned a derogatory status on a clean tradeline.

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 2022-08-12
Company: Byrider Franchising, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Back in XXXX, my daughter needed a car for her personal use and asked me to be her CO-SIGNER, based on my financial situation at the time, I agreed, knowing that I could make any payment if needed. 
We went to a BUY HERE PAY HERE car dealership located in XXXX Florida. 
My daughter pick a XXXX XXXX XXXX which was an used car. We did all the paper work and everything was okay. 
Then in XXXX my daughter had an accident, and she hit a XXXX XXXX on the back, her own car the XXXX XXXX that we own few months previous the accident, DID NOT HAD AIR BAGS INSTALLED. 
We took the car back to the dealership and explained the situation to them. They told us they will take the car back and they will sent us a letter saying the car was settled, because it wasn't our fault that the car did not have air bags installed. 
XX/XX/XXXX I started disputing the account on my credit report and asking the dealership to sent me all the information they have about the car including the remaining balance on the account. I haven't received any response, I asked the credit bureaus for VALIDATION.. not answer.. they also keep validating the account without sending me proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter companies listed below are reporting accounts obtained thru identity theft BANK OF AMERICA

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 2019-02-18
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Continued CFPB case NO.XXXX Participated in Second Quater Promotion of Citi Bank in XX/XX/XXXX. Citi Bank refused to credit the bonus and required a W-8 form from me. I sent a W-8 form on XX/XX/XXXX and was declined due to missing information. On XX/XX/XXXX, A staff of Citi bank from New York contacted me directly regarding my case and asked me to send the W-8 form as well as a supplement form of W-8 form to him directly. I sent out the package on XXXX XXXX by XXXX ( tracking number : XXXX ). It was delivered on XX/XX/XXXX, I try to call the number provided on the letter : XXXX ( XXXX XXXX ) several times on a different date. It seems Mr.XXXX is with the clients or out of the office every time. Today is XX/XX/XXXX and I called Citi bank earlier today. Citi Bank started a review of my account and asked about my parents ' information. NOTHING ABOUT MY BONUS BACK TO XX/XX/XXXX. I try to chat with a representative and he said nothing was updated so far.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: VA
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:
My credit repair specialist have sent in multiple documents to Experian, XXXX, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of Experian, XXXX and XXXX about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all 3 companies. 

Everything that I have ever filed will be attached to this complaint for proof.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I heard on the news today about the agreement with Wells Fargo. I am one of those consumers who tried for many, many years to get a loan modification with ASC and they kept giving me the run around. 

I lost my home to foreclosure in 2021 and would like to know if there is any recourse.

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 2023-02-15
Company: CCS Financial Services, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never received a validation letter or email for this company to collect a debt. 1. I am requesting a debt validation 2. The original contract with the wet signed signature 3. Full payment history from the original creditor 4. Name and address of the original creditor 5. Proof that the company is assigned to collect a debt. This company is not within FDCPA guidelines and if all of the above documents are not delivered, I am requesting immediate removal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX  & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020, received a letter in the mail that I owe {$5300.00} for XXXX XXXX XXXX Letter did not have XXXX account # or any details about why I owe this debt? 
Looked on Internet, and they are scam company, who drums up these false debts, report to your Credit Score, and ruin you r credit while demanding $ $ $ to repair the Credit Score. 

This is from my credit score : Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name SOURCE RECEIVABLES MANAG Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$5300.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Remarks Placed for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation