BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have included a detailed timeline with the events of XXXX XXXX, my old apartment complex falsely accusing me of a repair, then proceeding to try to sue me for it, followed by sending it to collections. This occurred while I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA as a new XXXX XXXX XXXX. I have submitted multiple disputes with each credit bureau. 

XX/XX/XXXX I was falsely accused by XXXX XXXX for causing an electrical issue after calling their emergency services number. The unknowledgeable general maintenance man accused me of working on an arcing electrical panel when all I did was turn off the breaker to prevent a fire. 
XX/XX/XXXX They had the panel replaced after leaving us without power for multiple days in the middle of summer. 
XX/XX/XXXX After receiving the abnormally high repair bill of {$4500.00}, they deemed I was at fault somehow causing a faulty breaker to randomly start arcing and ruin the panel. 
XX/XX/XXXX I have my first meeting with a XXXX XXXX XXXX XXXX and receive a referral for a civil lawyer in town specializing in tenant cases. 
XX/XX/XXXX We hire XXXX XXXX with XXXX XXXX XXXX to represent us. 
XX/XX/XXXX XXXX XXXX represents us in court. 
XX/XX/XXXX I move from Virginia to Florida for my new duty station. 
XX/XX/XXXX The apartment complex contacts my lawyer deciding to not go forward with the case. We received a letter deeming it a non-suit by the courts. 
XX/XX/XXXX I receive my move out documents with the repair bill balance still on it, giving me until XX/XX/23 to resolve it or they will send it to collections. 
XX/XX/XXXX Emails were exchanged between myself and the apartment complex, as well as our attorneys. 
XX/XX/XXXX XXXX XXXX admits because the case was deemed a non-suit it can be reopened whenever they want. They say they are opting to use an alternative method to collect money owed. 
XX/XX/XXXX I am contacted by phone by FAIR COLLECTIONS & OUTSOURCING. I tell them I am disputing the charges as I am not responsible for them and refer them to my attorney. 
XX/XX/XXXX XXXX XXXX sends his letter of representation to the collections agent XXXX XXXX. 
XX/XX/XXXX I begin submitting appeals to the credit bureaus after seeing my credit score take a drastic hit. 
XX/XX/XXXX After three failed submissions, I was referred to the CFPB.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Called on XX/XX/2023 about credit report to public housing apartments was told my credit account was frozen and that the number on file needed to be verified the number was a old number but i was able to pull up my XXXX credit account and see the number on file and even change it i was speaking to the male representative on the phone who kept telling me that the information was incorrect and i was seeing it clearly with my own eyes i was able to verify the address on file as well as my social name and date of birth but because a old number was on file he said i had to wait 48 hrs and i was looking at the account with the old number which he was stating was still incorrect. I updated the number on my account and seen there were more discrepancies on my account as well it has multiple names i am unaffliated with as well as addresses which makes me nervous and suspect my account could be compromised.

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 2023-05-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Right now I am bothered! 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 XXXX accordance with FCRA, I am requesting these items 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: GOLDMAN SACHS BANK USA
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:
At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was a victim of identity theft, I have sent over all proper documentation to equifax and they have not done the right procedure according to the law. In response to this they have constantly lied into that they did a proper investigation. They have reported a wrong address that is not mine and they have serveral information on my report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my information was part of several data brech 's from XXXX XXXXXXXX XXXX in the year of XXXX XXXX XXXX also my information appeared in XXXX 's data brech in XXXX. 
and XXXX on XX/XX/XXXX, XXXX my social security number was exposed my information also appears on the dark web my person information, social security number and addresses via experian credit monitoring services copies attached due to t these brech 's money was aslo stolen from my bank account in the year of XXXX i filed an identity theft report with experian XXXX and XXXX this information hasn't been removed or resolved this my second attempt at removing this information with no resolution

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 2023-05-01
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company keep forcing us to take money from our escrow accounts to pay our home insurance. 
We been with XXXX XXXX for six years. Our home insurance is not due until XXXX XXXX which was payed two weeks ago. I spoke to one mortgage company associate they told me XXXX XXXX ls our home insurance.when I received my mortgage statement I was told they took it from escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Eastern Account Systems of Connecticut, 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: Account information incorrect

Complaint:
1. On the credit report from XXXX, there is a " collection '' record from EASTERN ACCOUNT SYSTEM. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XX/XX/XXXX. 2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3. OnXX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX  in XXXX CT with proof of check image attached.

4. The credit report is incorrectly showing " Failed to Pay '' on XX/XX/XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX in XX/XX/XXXX 5. An online dispute was submitted to XXXX  to correct this. However, XXXX did not make the proper correction and still shows this collection record and " FAILED TO PAY '' in current credit report 6. A email was sent to EASTERN ACCOUNT SYSTEM requesting correction. No response was ever received.

7. Called XXXX XXXX XXXX  Office and was promised to correct the record but it never happened.

8. A mortgage loan was rejected from XXXX XXXX XXXX  in XX/XX/XXXX due to the false record of collections showed inXX/XX/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 2023-01-25
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The EXPERIAN credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$660.00}

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Chrysler Capital approved me for a {$48000.00} auto loan. After luring me in with the high approval amount, Chrysler Capital collected my information and sold/shared it with third parties such as Santander without my written consent. 

They later decreased my loan amount by almost {$20000.00}. They now had my information, and I had less than XXXX grand to spend on a vehicle. 

Things got dramatically worse after the underwriter later determined that I would now be required to pay them a {$1000.00} cash down payment in order to be approved for the auto loan. On XX/XX/XXXX at approximately XXXX an alleged underwriter at Santander/Chrysler Capital told me in plain words that the {$1000.00} cash down payment is not required for all customers, but I do - This is discrimination and a violation of federal law.

- 15 U.S. Code 1662 - Advertising of downpayments & installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

( Pub. L. 90-321, title I, 5142, May 29, 1968, 82 Stat. 158. ) - 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been making payments since XXXX my balance is still over a XXXX none of my payments have been going to the balance what am I paying its XXXX and the balance paid only show XXXX this needs to be investigated I closed my account

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 2023-05-07
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$870.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the Quicksilver credit card with Capitol one and I applied for the card thinking since they are offering {$200.00} bonus after spending {$500.00} they would give {$200.00} back. I called them to ask about it and they said I don't qualify for the promo, I know I would have to spend XXXX and I know that's part of the requirement, but they said even so I still wouldn't be able to get the promo bonus!! I think it's misleading to the consumer thinking all along if the requirements are met then the bonus will be applied within 1-2 business cycles on the statement. I called and threatened to cancel the card because mainly one of the reasons I opened the account was for this reason to earn the {$200.00} bonus after the initial {$500.00} spent. I feel mislead and deceived and they should clarify and fix this issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian has multiple INACCURATE NAMES AND ADDRESSES listed. I want all removed except for my primary Name and address. Both of which is on my ID attached.

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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 XX/XX/2022 I reached out to my banking institution regarding an email that I received from them asking if I was aware of a purchase that was made in the dollar amount of {$280.00} from XXXX. I selected the option no when I initially saw the email late night over the weekend. When I called on XX/XX/2022 and spoke to a bank rep I was told that that transaction along with two others in the amount of {$370.00} and XXXX from XXXX online  were pending and that in order to file a claim with them I would need to wait to see if they go through and are no longer in pending status. I then asked how much time I should allow before calling back to request a claim. I was told to call back on Thursday XX/XX/2022. I called back on that day and learned that the transactions went through and were posted to my account and requested a claim. I was then told that it can take up to 30 days for them to investigate. I then received an email on Sunday XX/XX/2022 stating that my claim was denied. I called immediately Monday morning when they were open to find out why and was told that it was because of when I filed the claim and also because the purchased were made a device that I approved. I explained that was impossible and asked them to submit another claim which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I believe my car was illegally repossessed. The dealership, XXXX XXXX in XXXX, KY, tricked me to come back to the dealership by stating I had to come to sign some paperwork on XX/XX/2022. They then proceeded to tell me my car was being repossessed and I had to give it back to them. I put almost {$5000.00} down on that car, and they will not give me that money, told my husband and I not to call them, and will not return my phone calls. I spoke with the lender- XXXX XXXX XXXX and they told me there was nothing they could do, because I had been 2 weeks late on making a payment. The payment.

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