BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: Fuel Capital Group
State: TX
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 would like to file a complaint towards Strick Acceptance, I have informed them multiple times and have been making monthly installments to try and bring account current. However XXXX XXXX is harassing me, calling me five times a day from their business number and calling me private. When I asked to be placed on do not call list, the agent then refused to do so. I then asked for a manager or someone above him due to XXXX not wanting to work with me. He then stated he will not get me to anyone and wished me luck on trying to get someone else to talk to. I have been recieving phone calls 4-6 times a day since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I found out that my Chase checking bank account has been frozen. I only found that out when I visited their branch in New York. They did not provide any information regarding the freeze and keep saying it is 'under review '. They make me feel like a fool talking to tens of their helpline numbers. They keep saying there is a claim on my account but do not give any information. Even when I visited the branch again, they have no clue why the account is frozen and when the hold will be removed and they keep giving me numbers to call without any resolution. Have not been able to get anything from Chase since past two weeks, they keep adding that 'oh, there is no time frame as to when this might be resolved '. I am completely appalled by this situation, and there seems to be no way out as their team keeps going in circles. I request my funds to be released asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: MA
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 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 2023-08-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX  I have not gotten any copies of the verification process per the FCRA like Im supposed to.

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 2020-03-18
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service Inc is collection agency reporting an account on my XXXX  and XXXX   credit reports. On XX/XX/2020, I sent them a certified letter requesting they validate the debt by providing written proof of the debt and their right to collect it via postal mail or immediately delete the debt from my credit reports. They received my certified letter on XX/XX/2020. On XX/XX/2020, I received an email from their representative that did NOT include the requested validation information, thus failing to validate the debt. I insisted she immediately delete the debt from my credit reports. As of today, Diversified Adjustment Service is still reporting the debt. Because of this, they are in violation of the FDCPA and illegally reporting un-validated, negative information on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: AL
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:
Over the past several months I have requested that Experian provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Experian updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Experian will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Experian unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is experian misbehaving illegally and must act to remove a claim of Ail

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 2023-05-01
Company: Kikoff Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The name of the company is called Kickoff. A girl that I know got my personal information and started taking credit cards and loans out in my name. XXXX XXXX XXXX XXXX for some of the credit cards that were taken out. I reached out to the company and they claim that I took out this credit line. I have no way of logging into the account or gaining access to anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: NORTHPOINT MORTGAGE, INC.
State: NH
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:
Northpoint Mortgage pulled my credit without consent. I specified that I did not want to start an application, and they started an application and pulled my credit regardless. 

When trying to resolve this with Northpoint, they claim that I did in fact consent to both an application and a credit pull. When I asked for proof of this ( for I knew it was inaccurate ) they could not provide any and stated that they do not record their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
My lease term ended on  XXXX  however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with  XXXX  on  XXXX  which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor   appointments and we are only the  2 that drive  in our home. My husband was n't on the mend after having  XXXX  and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date  )  my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to  Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on  XXXX  when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of  Santander  who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2017-05-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On  XXXX / XXXX /  XXXX  , I reported to  JP Morgan Chase  that a check I did not authorize was deposited into my account ( in the amount of {$4800.00} ). They immediately reversed the check and investigated it the same day (  XXXX / XXXX /  XXXX   ) ; on  XXXX / XXXX /  XXXX   when I went to open my new account at the local branch, I was informed by an associate  XXXX   XXXX   XXXX  that their investigators said the check was indeed fraud as the fonts were differing sizes, etc. Within the same time frame that the fraudulent check was deposited, a transfer was initiated to move the funds from the fraudulent check to a different accoun t ( Chase  told me they could see the transfer came from my grandmother 's online profile, who opened the account for me when I was a minor 10 years ago ). The transfer was initially denied by Chase because the funds from the fraudulent check were not available yet. On  XXXX / XXXX /  XXXX  , Chase allowed the transfer of {$4600.00} to go through - after I made the fraudulent activity claim and the check was already reversed (  XXXX / XXXX /  XXXX   ).  Chase  simply told me my account was compromised and I needed to open a new one ; so I did and went on my way. On  XXXX / XXXX /  XXXX  , Chase withdrew {$4600.00} from the new account I was instructed to open, and transferred it to my old account. This is because when they advised me to close my compromised account, it was left with a negative balance because Chase allowed money that did not exist to be transferred out of it. So they took the {$4600.00} from my new account to make up for it. I had my case escalated to th e Executive Office,  where  XXXX  was going to investigate where the remote online deposit came from ( because it was identity theft ) and why  Chase  allowed those funds to be transferred after they had reversed the fraudulent check. When  XXXX  came back with their decision on the matter, it turns out they did not investigate anything and are saying that even though I reported the fraud and had my identity stolen, I am responsible for any deposits and transfers made on the account. It is astounding that I had my identity stolen, did everything Chase instructed me to do, and they are holding me responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XX/XX/2016 I called in to the call center to see why my minimum payment had increased. One of the agents told me I was late paying more than two times in a calendar year and the interest rate had increased. I asked him to lower it back down, and I will continue my monthly payments. He said he can not change it because it is in the agreement that I signed. So I ask to get a copy of the contract that I signed. The agent said " you have to request the copy of the contract in writing '' and gave me the following address : CapitalOne - Department General Correspondence, XXXX. I sent a written request and I did not get copy of the contract. 
I have a charge-off on my credit report and I never got what I asked for, a copy of the contract before it went into default. 
This is a violation of 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Code Part A - General Provisions 15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 U.S. Code Part B - Credit Transactions 15 U.S. Code 1637 - Open end consumer credit plans ( i ) ( 4 ) AND 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681n - Civil liability for willful noncompliance For your knowing of such violations to credit disclosure and fair credit rating pursuant to 15 U.S. Code 1611 - Criminal liability for willful and 15 U.S. Code 1681n - Civil liability for willful noncompliance, I demand damages of {$5000.00} pursuant to Section 1611 and Section 1681 ( a ) ( 1 ) {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a credit card with Citi in XX/XX/2018, which is Citi Premier card. It says I would get XXXX bonus ThankYou points after I have spent {$4000.00} on this card within 3 months. Now I have met the requirement on time, but I haven ' t received the sign-up bonus yet. I talked to the representatives over the phone twice and tried to explained this issue but it is still not resolved. They told me that they will not give me the sign-up bonus because I have had this card before, but it was stated in the term when I applied for this card. I'm supposed to get the XXXX ThankYou Points bonus.

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 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : I recently started the relationship with you guys and kept a stellar payment and I ' shocked that you guys marked it late. 

XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA 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:
To CFPB Thank you for your help previously but documents that I received were incorrect. 
I received a document from XXXX saying this my shortage and its incorrect the amount of {$1600.00}. This next part of information is what I received from XXXX ; word for word : the enclosed payment history confirms on XXXX XXXX, funds in the amount of {$200.00} were received and applied to suspense, with the effective date of XXXX XXXX. Subsequently, on XX/XX/XXXX, funds in the amount {$790.00} were reversed from suspense, and applied to the XX/XX/XXXX, monthly payment, with the effective date of XX/XX/XXXX. XXXX also received your payment in the amount of {$790.00}. XXXX. Funds in the amount of {$790.00} was applied to the XX/XX/XXXX, monthly {$0.00} was applied to suspense, effective XX/XX/XXXX. Funds in the amount of {$680.00} were also received and applied to suspense, effective XX/XX/XXXX, XXXXThe funds were considered partial payments and were placed in suspense, as they were not sufficient to complete the next payment due. 
The {$200.00} was given to them and it was meant for the XXXX payment, they didn't apply it to my mortgage payment. also, they keep saying my payments are late because my due date is the first of the month, but I specifically told them to make my due date to the for the tenth of the month. I receive XXXX on XXXX XXXX of the month. They lied about the grace period. If you could help me, I would appreciate it could help me with XXXX. 
previous complaint number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Trying to use XXXX keeps saying has n't received any Direct Deposits from my bank SunTrust

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