BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since 2007 a family from XXXX has had someone from your government agency put negative fraudulently things on my credit history ... .my positive loan history was just removed from my credit report that I had just gotten in the amount of XXXX dollars ... the capital one account for XXXX was never mines and they reported as a charge off and my credit score went down.this is so hurtful that people who work behind these government desk are allowed to do this to people for there personal recreation.I need my score corrected and this matter under full investigation at once .I have endured this too many years.. also incorrect fraudulently names where put on my other credit reports .. I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: STATE FARM BANK, FSB
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Our car was bought in 2017, XXXX XXXX State Farm Bank applied for the loan, and it has always been tied to our bank account for automatic payment. I suddenly stopped paying fees in XXXX last year, but my account has always been deposited with wages, so I didnt check it. Until XXXX the night before yesterday, a XXXX XXXX showed up and said that we had not paid the car loan for three months, and we had to drive away, or we would have to be towed away by a trailer. There was no choice. The bank is closed and no one can help us. My husband has to go to work during the day and feels helpless. The next morning we contacted the bank to pay off the car loan, fines, and towing service fees. When I contacted them to get the car at XXXX, the person on the phone said it was closed. But they said before that it was XXXX off work, maybe they want to earn an extra day 's storage expenses. My husband went there at XXXX oclock the next day and waited for an hour. The manager came over to open the door for a fee. It costs US {$220.00} to read the bill. My husband cant believe it. The storage fee is US {$75.00} a day, even for two days. Will charge so much. My husband was in a hurry to go to work. He just wanted to get the car back, so he paid the bill. When he went to pick up the car, he found that everything in the car was gone. The jacket, two cigarettes, the data cable ... were all taken away and kept. The officer denied, saying that he didn't know all the time, saying that it was useless to call the police. You didn't take pictures and there is no evidence. 
The bank did not respond positively to us why the automatic payment was interrupted. Just say sorry. Credit may be reduced and affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have my auto loan with capital one since XX/XX/XXXX and i never been late and they show i was late once in XX/XX/XXXX late and my credit shows late payment. this is there own processing error i have never been late and i explain it to them and they wont remove this late payment from mine and wife XXXX XXXX credit report. i want them to remove this late payment from both of us credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2018-12-20
Company: CONTRACT CALLERS INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was alerted by XXXX  that there is an open collection against me because it wasn't paid as agreed. The Collection agency is Contract Callers, INC with address XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. This is the phone number reported on my XXXX  report. I have tried to call this number and its not working, I called XXXX ( Original Creditor name ), they provided an different agency name. I called them again today ( XX/XX/2018 ) and after I told them the name of the agency reported on credit report ( they are the one should provide the agency name, not me ) they provided the Contract Callers phone number, different than the phone number I have on my credit report. 
When I called the Phone number I was provided from XXXX ( XXXX ), the agency couldn't find any record. I gave them My name, address, birthdate and the last 4 digits of my social and they couldn't find any record. At that point with the conflicting information I received from XXXX, XXXX  and the fact that I found about an paid amount from my credit report, I was suspicious of giving the collection agency my full Social Security Number. I have not seen their privacy policy nor a consent that they will not sell or miss use my information. For these reasons, I refuse to share my full Social Security Number. I shouldn't be treated and giving wrong information. The information reported to XXXX is inaccurate including their phone number. This is hurting my credit and my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinance our loan with XXXX XXXX. Balance of escrow for {$890.00} ( due by Chase ) was never received. We called ( with my Broker ) Chase Mortgage customer service around XX/XX/XXXX and were told the check has been sent on XX/XX/XXXX to our personal address. Not received. We called again on XX/XX/XXXX and were told a check has been re-issued on XX/XX/XXXX and sent again to the same address. Not received. Desperately, we asked for a new check to be sent to our business address. Not received.

While looking for a solution we asked the check to be sent by registered mail, or to a Chase branch in XXXX or XXXX for pick up. We also asked for a bank wire to my XXXX XXXX account. Chase declined our requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below.

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 2023-02-18
Company: EQUIFAX, INC.
State: TX
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 demand that the credit bureau take immediate action to investigate and correct any false information on my credit report. As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Hello, Thank you for helping me. I leased a XXXX XXXX at the end of my lease I went several days before my lease was up turned in the vehicle and upgraded to a newer model XXXX XXXX 2019 I had my father in law take out the car under his name and add me as a co-signer when releasing my co signer had XXXX credit score the finance manger said he would take care of the mileage overage fee if we released a vehicle with him and we did. Fast forward to 2 years later I went to buy a ca and XXXX dealership told me Kia had XXXX me over they had a written off the car and marked me as a repo I wasnt able to get a car. 
If you look at my pending history you will see I have never had a problem with car loans all my cars have been payed off with no inconvenience. What Kia did is inappropriate that manager should have never lied to me. Please I would like someone to help me do what is right. I just ended my lease with Kia and had to pay them XXXX $ and I payed them be i was asked to do so for an authentic charge. 
What they did to me is wrong I would like to get help please. Thank you

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 2023-04-18
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company reporting inaccurate information on my credit report on debts that are not mine. Reported information to XXXX as recently as XX/XX/2023 per all three credit agencies ( XXXX, XXXX and XXXX ). Amounts were {$1000.00} and {$2700.00}. I have no knowledge of the accounts, amounts, high balances or services provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: SoLo Funds Inc.
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to an unexpected increase in expenses, and a temporary decrease in income, I was not able to pay a short term loan of {$220.00} to Solo Funds on the due date, XX/XX/XXXX. At XXXX local time ( Pacific ) on XX/XX/XXXX, I received an email from Solo stating that I was being sent to Collections and charged a late fee of {$20.00}. The email continued with a threat to my credit, If you do not repay your loan you will be reported to the credit bureaus with a derogatory mark, which could negatively affect your credit score for up to 7 years.

3. Lastly, in an effort to protect the SoLo community, you will be banned from using SoLo.

Reporting our members to the credit bureaus is used as a last resort and something we want to avoid. Failing to pay off your loan could cause derogatory marks to appear in your credit history and prevent you from receiving loans in the future.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was in XXXX, XXXX. I had prearranged a cab pickup from our hotel ( XXXX XXXX ). I had Citi alert active on my card. A man in baggage claim stated he was there from our hotel. My companion and I got in XXXX. He stated the hotel had not paid him after we were en route. He requested my card to run charge. Once he had my card he pulled the XXXX over in front of a bank. He took my card from the vehicle without my permission. He reentered the XXXX and returned my card and said we were ok to proceed to hotel. I did not sign any receipt. I assumed at this time he was from the hotel. After getting my bill, I discovered a charge for {$6200.00} on my Citi card from XXXX XXXX XXXX XXXX XXXX. I called my cards fraud center immediately and filed report. They refused my fraud request twice in writing and a manager stated he would file again. Did not happen. Countless calls to Citi cards has not resolved this issue. I have a credit score of XXXX and have had this card 21 years.I have literally spent hours on the phone with them and spoken to dozens of representatives/ managers. I contacted the hotel in writing to notify them of the impersonator.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-06-14
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Company is not appropriately issuing a credit for a disputed, possibly fraudulent item, contrary to assurances given to me by the firm 's customer service representatives. In the absence of merchant documentation, a fair arbitration of this dispute would demand such a credit. 

I have concerns therefore that Chase is not complying with the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely dispute process. 

Please see my detailed letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is not properly investigating my complaint. Information provided by XXXX XXXX is inaccurate on much of the information on my Equifax credit report. Because there are so many errors I will attempt from now on to focus on one item at a time. This dispute I will focus on showing that payments were received on time in XXXX & XX/XX/XXXX. How can I then be 60 days late in XX/XX/XXXX? 
The FCRA provides me with rights to complete, accurate & fair credit reporting. My rights are clearly being violated & ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. JXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a World Omni that was reporting on mine and my husband 's credit report. We have asked for validation of debt and they won't send anything. We have disputed it with the bureaus and they won't send anything. Please help the amount does not look right and they won't give us anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I sent a letter on XX/XX/2022 to removeXXXX 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 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 that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2021-03-13
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan was in deferment. I applied for a forbearance which was applied to my account effective in XX/XX/XXXX. My payment status shows on time payments/in good standing up until XX/XX/XXXX when it jumps to a 90 day delinquency, which of course is derogatory. Despite the fact that the effective date of the forbearance precedes the 90 day delinquency and the payment statuses do not correspond ( no 30 day or 60 day late ), fedloan claims it is a valid delinquent payment.

Company response to consumer: Closed with explanation