BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, Saks Fifth Avenue closed my account without notice. I called the Cus. Ser. number and they informed me my account was closed to inactivity. 

I explained that during XXXX I have had severe medical problems ( on XXXX XXXX list ) and I was unable to shop or use my computer for online shopping. I recovered enough last year to finally go outside. Then the corona virus hit and everyone could not go out. 
The Saks employee said we have the right to cancel your card anytime we want. I have been a Saks card holder for over XXXX yrs, and even worked at Saks as a young woman. My credit score has been effected by Saks actions without me violating any part of the contract. This is a very unfair and hostile way to treat a loyal customer especially because of the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was presented with hear-documents and no remedy to satisfy my request. Said company says I owe them a debt. I am simply asking for proof of said contract. Any and all tax accounting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a personal loan with World Finance, and up until a few months ago, I have been making payments on the loan. I received a payment that was reversed out of my checking account. I tried contacting the loan company to address the matter but no one was answering my calls at the XXXX XXXX Illinois location. I later found out that the lender closed the XXXX location where I originated the loan, so I later found out the loan had been transferred to a new location. I called multiple times at the new location and it went into voicemail. Multiple messages were left and no return phone call. I received a notice that my wages would be deducted from my employer. In review of the letter, the letter was dated XX/XX/2023. It stated that I had 20 days to address the balance. However, the letter was not sent until XX/XX/2023. This meant that the lender appeared to be falsifying the date that they notified me of an attempt to wage assign my paycheck. With that stated, contacted the XXXX office and spoke to the manager XXXX She told me that the loan could be refinanced with one payment however, she did not have access to the account at her location. I then asked for the District Manager who she said was named XXXX. 

I contacted the South Carolina location which appears to be the corporate office to address the matter, but no one would assist me with the matter. I was told that the District Manager would be calling me 4 times no one called me. I called the corporate office on XX/XX/2023, and was told that the Regional Vice President XXXX XXXX would be calling me I did not receive a call from XXXX XXXX At this time, I am disputing any collections on this loan due to the Lender not returning calls and not doing what they have promised. In addition, they have violated state and federal statutes with the way that the wager assignment is attempting to be enforced. 

The Manager at the XXXX XXXX XXXX where the loan was transferred finally called me on Friday, XX/XX/2023, with a nasty attitude. She claims never called them and that is false. All she was telling me was that could not do anything. Then I tried to make a payment online and the account was blocked from me being able to access the account to make payments. At this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$360.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
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 2021-06-14
Company: GUARANTEED RATE 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:
The response from GUARANTEED RATE INC is false. Transunion stated several times that they never received any response from GUARANTEED RATE INC or XXXX XXXX  to remove this Hard Inquiry from my credit report that was requested by GUARANTEED RATE in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from GUARANTEED RATE INC or XXXX XXXX 
I have also Been Harassed by GUARANTEED RATE with Text messages and repeated Phone calls all different times of the day and night. This company GUARANTEED RATE has harassed me and damaged my Credit report regarding a loan I did not authorized or request. GUARANTEED RATE has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against GUARANTEED RATE. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to XXXX  XXXX  to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my Transunion credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my Transunion credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. 
XXXX XXXX XXXX XXXX - XXXX : XX/XX/XXXX XXXX {$2000.00} Closed XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Amount : {$1500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Amount : {$1300.00}. 

I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
Regardless of the previous written requests, the fraudulent items listed below are still reporting on my credit report in violation of XXXX XXXX. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$190.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; 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} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$330.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When purchasing my vehicle I made an agreement with the car dealership whom claimed they were in direct contact with Capital One Auto Finance about the interest rate rate of my auto loan to be 6 % and for no longer than 48 months. Once I started making my car payments I was being charged 12 % apr and a 72 month auto loan. I put {$6000.00} cash as a down-payment to keep my payments low and interest at a lower rate. Even with a 12 % apr with the amount financed I have paid more than I should have for the entire lemgth of the loan. I put {$6000.00} cash as a down payment. the amount of the loan should have been for less than {$10000.00} with my down-payment. The original loan amount shows much more than {$10000.00}. Where did my down-payment go if it was not put towards my loan as it should have been?? Capital One Auto Finance charges accessive interest rates and are not as what was agreed to at the start of the loan and is double the amount than what was agreed to when purchasing the vehicle from XXXX of XXXX. For what should have been a {$9000.00} loan with 6 % annual percentage interest rate and paying on my loan for 3 years now and it still shows I owe {$7000.00} to pay my car off and that I have paid {$7000.00} in interest already does not add up. Contacting Capital one auto finance is a joke as nobody resolves the problem. Somebody needs to audit Capital one auto finance because I am sure that I am not the only one that is being deceived by Capital one auto finance. This is a fraudulent act on Capital one auto finance and quite possibly even XXXX of XXXX. Capital one is being extremely deceptive in their practices by collecting more interest in payments from consumers than what they should be collecting. more than 50 % of every payment has gone to interest. even on 12 % interest ( although that is suppose to be 6 % as agreed to ) the amount of interest collected during an entire 72 month ( which is suppose to be 36 month ) loan term should be no more approximately {$3000.00} throughout the entire length of the loan. How is it I have paid double that in interest and the loan amount in total should have only been {$9000.00}??? This is fraudulent and wrong and Capital one auto finance is taking advantage of consumers with unfair practices and should be held accountable for their fraudulent actions to the full extend of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NV
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 this isn't 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 fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 60 days straight with XXXX  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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive 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 XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-08-15
Company: EQUIFAX, INC.
State: VA
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 have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, and Equifax do not have my consent to furnish this information nor did they have my written consent. Any and all consent from XXXX, Equifax, and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. These accounts are an adverse item they are reporting again without my permission which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX XXXX  and disputed the late payments with Transunion, XXXX, XXXX with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.

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 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I requested document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to XXXX XXXXXXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Fleet Financial Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I signed up with ilending direct to refinance my car for {$13000.00} and was told that I qualify for a loan with a better interest rate. I called them and was told that they could not even pull my credit due to the type of work that I am in. I XXXX XXXX and I have never missed a payment on anything. Denying to even pull my credit is discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: OH
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 have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a BMO Relationship Checking account on XX/XX/, with my work direct deposit set up. After approximately two months, I needed to withdraw the funds for personal expenses. In early XXXX, I noticed that my checking account had disappeared from online login. I attempted to contact BMO customer service through various channels, including secure messages, phone calls, and branch visits. Unfortunately, none of these interactions yielded information regarding the status of my account. Finally, through a live chat, I was informed that BMO may have closed my account. I am still not sure if my account was closed, since there has not been any communication. I am formally filing a complaint regarding the lack of communication with the customer prior to the account 's closure and the deficiency in business and professional training in customer service.

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