BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My interest rate for my auto loan is 6.45 % APR. The loan amount was XXXX and was scheduled as a 72 month auto loan. Correct me if I'm wrong but the more you pay towards the principle the less they are suppose to be taking for interest and the amounts they are taking for interest are not consistent whatsoever with what I have paid. I've enclosed some dated screenshots of a few payments I've made and also the amount of interest they have charged me. I get nowhere trying to talk to anyone with capital one about this issue. I get put on hold for long periods of time just to be hung up on in the end. On XX/XX/2023 I called capital one bank and spoke with XXXX on a transaction made on XX/XX/2023 to capital one auto finance in the amount of {$430.00} that posted on XX/XX/2023. And I was put on hold while she went over my account. Upon her return I I told her that I have a conformation number she ask me for it. Then put me on hold again to speak with her supervisor. She came back and informed me that the payment with conformation number doesn't show in my account. And she wasn't sure why it wasn't showing. Also at one point I was well over a year ahead on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: FL
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 accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NC
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 have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-03-13
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX sent me to collections with Concord Servicing as retaliation for trying to cancel my contract. Ive notified Concord several times ( see attached letters and timestamped emails ) that I was disputing the debt, and those notices have been disregarded. Concord continues to send me bills. I called earlier this week, and the only advice they could offer me was to call XXXX, who wont talk to me while my account is in collections. According to my rights under the Fair Debt Collection Practices Act, I notified them, and Concord needs to get with the program. I told them in my letters that Id make a complaint with the Consumer Finance Protection Bureau, and Im making good on my promise, something XXXX knows nothing about. They need to either offer a settlement that will cancel my contract with XXXX or return the debt to the original creditor so I can continue to fight for my contract cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America has me in XXXX XXXX listed as fraud from XXXX. I tried to open a account online and was told to go to a branch with 2 forms of id which I did. But they still has it listed as fraud in XXXX XXXX and on XXXX and I don't know who else. I just keep being denied. I can't even open up a business account which I need to. This is hindering my life at no fault of mines.

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 2023-03-13
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CCS Collections is the name of the company with the debt. the debt was originally opened in XXXX. It was just placed on my credit report as a new debt on XXXX XXXX. I have been trying to contact the company since XX/XX/XXXX and have yet been able to get in contact with the company. I have stayed on hold for over an hour at a time and never spoken to anyone. I have disputed the information on all the credit bureaus and still no response. I haven't received an explanation of what this debt is for and not sure why it is just now being placed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I, XXXX XXXX, went into Amegy Bank located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX to open a business account. I was assisted by XXXX XXXX who took my documents and a grant check that was awarded to my company XXXX XXXX XXXX for the work it does for the XXXX community through the Human Rights Campaign and Showtime. 

XXXX took all my documents and stated that she needed approval to open an account. So I said okay. XXXX walked to the back and return shortly stating that the account could not be opened because the Certificate of Formation documents were new and it would be three months before I could open the account which I found odd. 

So I left and called Amegy Bank and a representative searched and found the banking rules that said no such thing and called over to the bank while keeping me on hold. After several minutes the representative returns and explains how sorry she is for the inconvenience and hangs up. 

About twenty to thirty minutes I get a phone call from XXXX who states : I'm over sharing this but there has been a lot of business banking fraud and I was told to say that insinuating that I was there to commit fraud then tells me if I can produce documentation of where the large sum grant check came from she would gladly open the account which makes no sense because she just told me my documents were new and the reason. 

So at this point I knew it had nothing to do with my documents. It was about me, a hardworking African-American business woman coming into the bank with a huge check to deposit for my business that I and my business was awarded and earned and immediately being racially discriminated against. I broke down crying, disappointed and disgusted at her behavior and reached out to XXXX, an XXXX associate who took my complaint. Currently waiting for a follow-up call.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: MI
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:
15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.

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 2022-12-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-06
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The entire experience with Movement Mortgage has been stressful and exhausting. 
To start, we were ready to close in XX/XX/2022, but for some reason proper paperwork was not sent for the 2nd lien. This forced us into a later closing date and left my family, including my XXXX XXXX XXXX son and XXXX XXXX XXXX daughter, homeless for 3 days. Not only that, but forced us into a double move where we moved all of our belongings into storage and 3 days later into our new home. 
I had a planned week off from work to assist with the move but due to the ball being dropped on the paperwork, I could not be available to help my family move into our new home once the closing process was completed. 

At the closing table I was told the seller would be paying for taxes and not to worry about bills in the mail. Once bills with late fees attached started coming I then contacted movement because the taxes should have been paid. Movement then told me they do not have the money for taxes and it was my responsibility. I paid the first bill out of pocket ( with late fee ) and intended on paying the XXXX  ( also with late fee ), but Movement beat me to it and converted my account to escrow.

Now we find out Movement had the funds the entire time for 6 months! How does this go unnoticed?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent Equifax a letter disputing the XXXX XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified. I disagreed with their report and sent another letter on XX/XX/XXXX asking for another investigation with proof of who they verified the account with as well as to delete the account. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I received a letter on XX/XX/XXXX with a credit report. This still showed the account as verified with a last payment of XX/XX/XXXX and the first delinquency as XX/XX/XXXX. I then sent a letter showing that his account has continued to show as charge off since XXXX. This a manipulation of the statute of limitations. I received an updated credit report on XX/XX/XXXX and this account still remained as verified. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this possible? I have also sent in a letter showing I have been in default with the company since XX/XX/XXXX but again this has not been updated with Equifax to show the correct date of delinquency. Equifax is also reporting the last payment as XX/XX/XXXX. There was no payment made on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: WA
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:
THere are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Information belongs to someone else

Complaint:
This fraudulent XXXX XXXX account doesn't belong to me. I've been disputing it for over a year but XXXX and EXPERIAN refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX, and XXXX  thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!

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 2020-03-10
Company: Home Loan Center, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX made a hard inquiry at XXXX  on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through lendigtree.com. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian has made it very difficult to reach a human being as i attempted to reach out to them on XX/XX/20 to discus my dispute with XXXX XXXX the response does not help me as a consumer knowing the information reported on my credit file is inaccurate and continues to lower my score week after week. When calling there contact line of XXXX XXXX XXXX i am redirected online it seems that they are not taking calls.

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 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received a bill that was created on XX/XX/2021 from portfolio recovery associates for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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