BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: VW Credit
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Re : Complaint Number XXXX I have previously filed a complaint to you with regards to the refusal of Bank of America/XXXX XXXX to honour my instructions on being able to gain access and withdrawing my funds. Bank of America has emailed and written to me that there are no account records pertaining to my name. I have provided proof that the accounts exist as I've recently wired funds to one of my accounts in XX/XX/XXXX. The funds can't just vanish. I've also tried to contact the banker, XXXX XXXX in charge of my account via text message and she has refused to reply to me. There was an agreement between both of us that I will wire additional funds to my account and that they will, in return, wire back some of my funds to me on XX/XX/XXXX. They never did. I've tried to call her number in XX/XX/XXXX but there was no answer. I've been told by someone that the accounts have been closed without my permission or without informing me and the funds have been moved to another institution. In short, I've lost all my funds that I've remitted from XX/XX/XXXX through XX/XX/XXXX. I have tried to call the US Trust office in CA and the person said there are no account records which supports the letter saying such. I don't know what are the rules and procedures for retaining records of account owners. As far as I'm aware, banks in XXXX and generally in XXXX require records to be kept for six years from date of account closure. This is mandated by the regulatory authorities.

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 2018-03-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hello - I had a XXXX XXXX XXXX XXXX Credit Card, That was on a auto pay plan. The account was transferred to with out my knowledge to American Express however the auto pay was not. I became aware of this today and I brought the account current. They are charging me late fees and a higher interest rate because of the late payment, I think this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX loans located at XXXX XXXX XXXX, XXXX, Ohio ( I had successful in the past so I used them again ) this tine due to financial reasons I was unable to pay my loan back, so after making the minimal payment several times then refinancing ( which I ended up paying way more than the loan and repayment amount ) my expedition was taken from my driveway and sold. I called to get the sell amount etc. Because the car was worth so much more than the loan amount, but was given no information and no chance to retain prior to sell. I was given the run around to multiple people. XXXX XXXX saying they could do nothing and to contact the lender and the lender saying call the auction, auction denied having info. Eventually I gave up. I had no money for counsel and I think that these companies play by their own rules, because they know if you need a title loan than you probably can not afford legal help. It has been years but this has never sat well with me, finally I was told about consumer reporting so I just wanted to follow up to see what my rights are. I did not know who to contact at the time. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
in accordance with the fair credit reporting act, Experian has violated many of my federally protected rights. Experian Is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report. Direct violation of 15 USC 1681B- permissible purposes, as I did not give Experian any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to Direct Violation of 15 USC 1666B and 15 USC 6802 please refer to the documents attached to this complaint, stating the facts and information regarding this matter.

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 2020-11-16
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to my previous filed complaints the incompetent XXXX XXXX, Legal/Compliance Dept is still using deceptive and stall tactics. This company is very shady and operates on lies. 

Her response is she needs the last 4 digits of my social security number and my birthday in order to locate a record. 

Obviously, she does not need the last 4 digits of my social security number nor my birthday to locate a file because they already placed this account on my credit file without speaking to me and without sending me a dunning letter. I never confirmed my social security number with them so why was it placed on my file? 

Furthermore, in my previous complaint, I attached a copy of my credit report which shows the account number the company used for the record. So why is it you can't pull my record with the account number your company used to place the debt on my file? 

XXXX XXXX stop using stall tactics because your company XXXX up!!!! I will sue the pants off this company! 

The last 4 digits of my Social Security # XXXX and birthday XX/XX/1982. Now use it and remove this frivolous debt and your company has already violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I applied for an checking account and was told that I couldnt open up an account, because one of the credit bureau had a security freeze on my report. I called that credit bureau and was told by rep there is no freeze on the account. I have been having this problem and spent two days working on this and still showing up freeze on my account.

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 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX  XXXX inaccurate

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 2019-02-28
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From Emergency Physicians Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX or XXXX  XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.

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 2018-04-02
Company: EQUIFAX, INC.
State: TX
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 contacted equifax numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however equifax is refusing to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 never applied for these accounts. I don't even shop. I told them to remove and show proof they'd they can't XXXX XX/XX/XXXX XX/XX/XXXX Department, variety, local, regional, and national chains XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal

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 2018-02-05
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't understand how your company can list a fraudulent collection for services never rendered, due to substandard health conditions and a breach of contract. 
XXXX XXXX management did not have the apartment ready upon arrival. The kitchen cabinets were still on the ground in the kitchen, and the entire unit reeked of 2nd hand smoke that caused allergic reactions in my XXXX year old son, and within a few minutes latter my wife developed breathing problems. 
XXXX XXXX 's management employee would not accept the keys as it was XXXX minutes past XXXX XXXX. So I returned the next day to return the keys, after locking up the unit and not spending one day or night in the health hazard apartment. 
We drove away to my wife 's relative house to spend the night and on the 2nd day found a suitable apartment at XXXX 's XXXX in XXXX, XXXX XXXX. Call them yourselves and inquire about my payment history as you already see in my history record. Ask yourselves, why is the only collection action on my report from XXXX XXXX after 3 years? It's because they breach their agreement about having the apartment ready and it being a non-smoking unit. They failed to comply. Why are they supporting their collection actions by retaining it on my credit report. 

The collection agency is Florida based, and neither Virginia based nor is the apartment complex located in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to buy a house but I had a freeze in my account from equifax. They couldnt run my credit because of the freeze. I called them XX/XX/2016, XXXX, XXXX, XXXX, and XXXX i called last on the XXXX to try and resolve the issue. I sent them documents they needed via fax on the XXXX and they still couldnt verify my identity and lift the freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/2018, I found that an acquaintance of mines was stealing my cards out my purse. I notified Chase of numerous of unauthorized charges and they told me that they couldnt reverse because it was over 60 days old. 
Im just notifying your company cause I just found out about your agency. 
My acquaintance was arrested and charged for stealing my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ally Bank verified incorrect address information on my XXXX reported.

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 2020-05-14
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An auto loan was opened in XXXX of XXXX in the name of my XXXX father with Credit Acceptance Corp. The vehicle was totaled and Credit Acceptance sent the title to my father but it was added to his credit report and mine! They stated the balance owed was {$11000.00} and the account was closed in XXXX. XXXX XXXX I received an alert that the account was open and current. XX/XX/XXXX the account is saying open and the balance has increased by {$4600.00} on an account that was closed 5 years ago! I attempted to contact them several times over the years regarding the inaccuracies and they have refused to comply. This is causing financial duress as it has effected my credit score which is also causing undue emotional duress during a global pandemic. Credit Acceptance is predatory and unethical.

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 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm calling your attention to an error/bug in your checking account application process, possibly in other products too. 

I already had a Capital One login from a few years ago. 

During the application, I selected I already have a login. I logged in successfully and continued with the application. 

As shown in the attachment, which is the screen right before submitting the application, my address was correctly informed during application. 

However, once the account was opened, the system ignored all the information submitted and used the old address. All paperwork and debit card were sent to the old address, not the address informed during application ( attachment ). 

This is a error/bug in your application process. 

I tried to inform your customer service, but as unfortunately it is the case at most places nowadays, they are not focused on getting better, but simply asked me to call to have the card resent to me. They did not understand the problem, they focused on resending the card. I'm opening this complaint because it is the only way someone will actually do something about this issue, and not just request a new card to be sent. 

You have an error in your account opening process!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: NJ
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 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( BY ) -MAIL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: WELLS FARGO & COMPANY
State: NM
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:
In XXXX, I had voluntarily returned a new car. It was for a XXXX XXXX XXXX. I did in fact default on the loan due to my inability to pay the loan while pursuing my childhood dream occupation. This is my fault, I admit the fault and want to correct it. The remaining after the auction of the vehicle that was due and went to collection was {$2700.00}. 

In XXXX of XXXX after regaining financial stability and after spending and working 3 years outside of the country I attempted to repay the debt. I was told " you have exceeded the 999 days, the amount is DEBT LOSS and you will not be able to repay the remainder of what you owe. '' How is it that we live in the United States of America, the greatest country on earth albeit not perfect but a place that enables ALL people to build a life free from former discretion or social statuses and even from departing other countries. 

I want to correct my debt and pay what I owe? But I can not pay Wells Fargo XXXX, I feel as if this is unfair and violates my constitutional freedoms because I can not correct my debt and free myself from a credit system enslavement. 

I have called and tried to pay this account on numerous occasions but Wells Fargo will not accept my money. A bank that will not accept a hard working American 's money?

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 2018-02-05
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously had a second mortgage loan with XXXX. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through XXXX. XXXX maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and XXXX has refused to talk to me about the loan and refers me to Ocwen Loan Servicing LLC. Ocwen has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and Ocwen will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.

Company response to consumer: Closed with explanation