BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In short I went to pay my mortgage on the XXXX of XX/XX/ and was not able to make payment because the website was not working. I thought nothing of it as it said try back later. A few days later I tried again and got same message. At this point I called on the XXXX and talked to an agent telling me the that XXXX XXXX XXXX was cyber attacked and it affected LoancareXXXX XXXX mortgage XXXX I was shocked because there was absolutely no communication with us as consumers. I had to go find facebook groups and reddit to actually get information on the issue. We did not receive and email, phone call or letter explaining the situation. As the XXXX of the month of XXXX approached many people started to panic as to if they should make a payment to a new website were they were asking us to give our banking information. Many people obviously were very hesitant because once again we got no communication. We were informed there will be no late fees or credit reporting during this time, but again this was only by word of mouth from other customers as we could not get through to talk with anyone on the phones as many of us were hung up on every time we called. We have no idea if our identities or banking info or anything else that goes along with this has been compromised. We as customers deserve to know what was going on and the way this situation has been handled is absolutely awful. We still at this time XX/XX/ are left out in the dark with what is actually happening. Most of us are just hoping our payments were accepted and some are just waiting in out in hopes it will get fixed and they won't be held accountable for not paying.

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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via XXXX in XXXX ( 12 CFR 1026.2. 

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. 

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). 

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Capital One has violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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 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 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX  During the pandemic I wasn't able to get home due to the freight demand across the country. I used my cellphone to set up autopay on my Kohls credit card. I noticed after some weeks went by that the payment never came out of my bank account so I would make the payment and check my autopay and it wouldn't be scheduled I'm my account. This happened several times. Due to the Kohls website not storing my autopay preferences Kohls put late payments on my credit report. Once I was able to get home and to a computer I set my autopay again and it worked finally. But it was too late since the initial attempts from my phone didn't work. I wrote Kohls and asked them for a goodwill gesture in removing the late payments. I never even received a reply from Kohls. I feel this is unfair since their system doesn't work from my cellphone and they don't notify you that it doesn't work. Here I am driving all around the country during a pandemic trying to get supplies distributed and Kohls is dinging me for some petty payments that they received right away and wouldn't have been late if not for their system not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: National Arbitration Forum
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My name is XXXX XXXX. I have a distant Aunt that I have n't talked to in about a decade named XXXX XXXX XXXX XXXX XXXX. Out of the blue, this debt collector starts calling me threatening legal action ( And claiming to need an " attorney statement '' under the guise of being a local PD/investigator ) with messages for XXXX XXXX. He called multiple times looking for this relative and leaving messages with details about her debt and personal life. I do n't want to hear about this distant relative or her legal troubles. I have no association with this relative, and I am sure it is illegal to contact completely unrelated third party relatives looking to collect under very shady methods. I have no idea how they got my number or believe that it is acceptable. They now call several times a day.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-01
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: Information belongs to someone else

Complaint:
Ive tried to have fraudulent inquiries and accounts removed from my credit report with XXXX, Equifax and XXXX  through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: GA
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 contacted the credit reporting bureaus, '' XXXX, Equifax, and XXXX '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted the credit reporting bureaus, '' XXXX XXXX, and Transunion '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.

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 2019-08-08
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b )  Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 )  The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy  available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. 
I demand the following accounts deleted immediately. 

ACCOUNTS : 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 explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2023 I submitted a dispute via certified mail through usps in which I asked Experian to remove addresses, phone numbers, social security numbers, as well as names and employers that doesnt belong to me. I included a bank statement, drivers license, and check stub from my current employer to validate information. I also provided the correct spelling of my name, my correct address and my phone number. I asked for all other information to be deleted. I also asked for them to remove bankruptcies on my account or send proof of validation in which they never sent. I also asked them to remove a closed account from upgrade that I showed was opened through fraud. I submitted a copy of a fraud report to them and they have yet to remove the account. Experian has yet to update credit card balances in which were paid off and is still reporting old balances. I am so tired of Experian dragging their feet on removing items off of my credit report and updating my report in a timely fashion. Experian continues to hurt my reputation and credit by reporting old credit card balances and bankruptcies as well as by giving thieves access to my credit file by keeping addresses on file from which I do not reside, social security numbers that do not belong to me, employers in which i do not work for, phone numbers that I do not have, and names that are not mind on file. All of those things listed has allowed fraudsters access to my credit file in the past. An example of this very situation is an address listed on my current credit file has been used to obtain credit fraudulently. I have disputed this address numerous times and Experian continues to keep this address associated with my credit file.

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 2016-12-22
Company: National Account Services Group, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am being harassed by a debt collection company under the name of NAS Group, in regards to an old debt from over seven years ago, that was previously resolved via CRA dispute. The original company was XXXX XXXX XXXX, which the debt was bought by more than one collection agencies most recently XXXX XXXX. 

I am receiving around 20 calls per day from NAS on my landline and mobile phone. 

A man with the name XXXX XXXX has left intimidating calls with my senior mother and even after business hours at XXXX. Most recently he threatened to file a lawsuit against me and to garnish my wages and tax returns. 

I would like for this company NAS who utilizes false business names and phone numbers to stop harassing and intimidating me

Company response to consumer: Untimely response
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: General Motors Financial Company, Inc.
State: FL
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:
As stated and confirmed in the attached emails from GM Financial, five of my scheduled monthly lease payments were deferred and approved as follow : - XX/XX/2020 & XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 It is to my total surprise that I found out that only 3 of those payments were in fact deferred, even though we have written notices confirming deferments. 2 of those approved deferment ended being reported as late payments. I of course made the payments the second I realized my account was reported as late. GM Financial recognized their mistake but refuses to correct the error with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
I contacted XXXX XXXX credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: U.S. BANCORP
State: MD
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: Problem with personal statement of dispute

Complaint:
I ended up having having 2 soft enquiries, at least that is what I wanted. Just to see if I pre qualified for credit cards. But the two companies ended up doing hard enquiries on XX/XX/2022. One of the companies is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these hard inquiries be removed off my credit report As soon as possible.

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 2022-11-05
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX in regards to account number XXXX. Gave a response to a complaint ( CFPB Number : XXXX ). The issue with the response is it does not address the issue it simply deflects it. The agreement worked out was payment would be made on the account in exchange for the trade line to be removed in full. Theyre recorded phone conversations where the promise was made. Payment was made per XXXX terms and copies of the check emailed with tracking and the check itself being certified and overnighted to XXXX. A month has now passed and they come back stating that the tradeline will stay and should remain on my credit for the co signed account. It appears they scammed me out of the payment and didnt keep up their end of the agreement. 

I demand that CFPB help me with having the trade line removed. My next step will be to file suit in my local court for the fraud ally committed were not honoring the agreement they worked out

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