BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY INFORMATION TO COSIGN FOR A CAR LOAN.

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 2017-12-20
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
It came to my attention that XXXX XXXX XXXX reported in my credit report that I owed them {$330.00} with account # XXXX as of XXXX/XXXX/XXXX. I do not owe and have no knowledge and any contract with XXXX exist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Automatic Data Processing, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several calls were made during my work hours. The person identified themselves as a representative from the legal standpoint representing ADP. Their phone number is +1 ( XXXX ) XXXX. They did not tell me which bank or financial institution they were linked with.

The discussion became verbally abusive.

Efforts were being mean to obtain information from me and harass me for money. Clearly a fraudulent scam call several calls for me during mine work hours. The person identify themselves as a representative hired from the XXXX XXXX. They did not tell me which bank or financial institution they were going to wait.

The discussion became verbally abusive.

Efforts were being made to obtain information from me and harassed me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
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: Investigation took more than 30 days

Complaint:
You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have used a Capital One for Business card for many years, always paying off the monthly balance, averaging {$10000.00}, on time. 
In the past 2 years there have been multiple instances of fraudulent activity, often caught while charges were still pending, even tho my card was never out of my possession. Capital One has always replaced my card. 
The most recent replacement card was sent to me early XXXX. I activated it. When I needed to use it for a purchase XX/XX/XXXX it was declined. I logged in and couldnt access my account information. Weird. 
I called Capital One and was informed my account had been charged off. 
Why? And why wasnt I notified? Eventually I was told it was because I was deemed high risk because fraud had occurred 5 times. OK. I can accept being dropped for being the victim. But I was never notified. Shutting down my card also left me without cell phone activation. And to take away my online access to my account also made it so I couldnt see my statement, pay my bill, and use my reward points. 
Capital One cut me off without notification. This put me at risk. I feel it is an outrageous way to treat a solid customer. I was informed in XXXX my SS # and other personal information was stolen in a security breach at Capital One. Great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were included in my bankruptcy discharge in XX/XX/XXXX. I made Great Lakes aware of the incorrect reporting in XX/XX/XXXX, and I was given the instruction to fax over my discharge paperwork and that it would be corrected. I faxed over the documents. When I started getting collections calls, in XX/XX/XXXX I called and was instructed to email my documents to an unsecured email and it would be looked at. I sent the email, no response. Again, collections calls started in XX/XX/XXXX, and so I called in requesting a supervisor, explained my situation and was told that they never received the documents. The supervisor XXXX then proceeded to tell me how they only had one document from me and when she explained what the document said and my correction of her understanding of what that document was, I emailed my discharge paperwork for the 3rd time. Verifying that it was received and was informed that it has to be forwarded. I explained that I expected a resolution and would be filing a complaint for the mishandling of my account which is causing my debt to reflect $ XXXX more than it should and the carelessness and unresponsiveness of that company if I hadn't heard back. Now a week ago, in XX/XX/XXXX the collections calls have started again and after explaining things for the 4th time is like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

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 2019-06-06
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have been having a loan serviced through LoanCare , LLC ( they could be part of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. XXXX or XXXX per their website ) ). During XXXX, the loans ended. LoanCare kept extra monies owed to us. In XX/XX/XXXX we notified them of their error. After about a month, on XX/XX/XXXX, they performed an internal audit and agreed that they owe us {$2000.00}. They promised to reissue a Form 1099 and send a check. Calls to them went un-returned in XXXX and most of XXXX. On XX/XX/XXXX, I finally reached someone and they promised a call back within a day to find out what the problem was. It is now XX/XX/XXXX and no call back. I have been on hold for over an hour with them today. If you look at their XXXX reviews, I am not the only one with this problem. They do not return calls or pick up their phone it seems. Our Company is  XXXX XXXX XXXX, XXXX. Loan number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2020-09-29
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!

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 2019-05-31
Company: CONTRACT CALLERS INC
State: VA
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 ex-husbands past due amount was reported with my name and I would like to have it completely removed from my report. The collection amount was for electricity for our marital house where I left in XXXX, 2014. Unfortunately, my name was still listed on the account. 

I informed the collection company, Contract Callers, of the fact that the debt was owed by him and provided his address. The company sent him a bill and he was the one who paid the debt. I have called Contract Callers numerous times but they refused to delete it from my report. I have mailed a dispute letter to XXXX and XXXX but XXXX did not provide deletion and XXXX is still investigating. I'm in process of home purchasing and this is negatively affecting my credit score which I'm not able to obtain the best available rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
IreceivedanemailXX/XX/XXXXthatmycreditcardswereclosedimmediately.ThatisinviolationwithCIVILCODE-CIVDIVISION3.OBLIGATIONS[1427-3273](HeadingofDivision3amendedbyStats.1988,Ch.160,Sec.14.)PART4.OBLIGATIONSARISINGFROMPARTICULARTRANSACTIONS[1738-3273](Part4enacted1872.)TITLE1.3.CREDITCARDS[1747-1748.95](Title1.3addedbyStats.1971,Ch.1019.)1747.85.
Unlessrequestedbythecardholder,nocardissuershallcancelacreditcardwithouthavingfirstgiventhecardholder30dayswrittennoticeofitsintentiontodosounlessthecardholderisorhasbeenwithinthelast90daysindefaultofpaymentorotherwiseinviolationofanyprovisionoftheagreementbetweenthecardissuerandthecardholdergoverningthecardholdersuseofthecreditcardorunlessthecardissuerhasevidenceorreasonablebeliefthatthecardholderisunableorunwillingtorepayobligationsincurredundertheagreementorthatanunauthorizeduseofthecardmaybemade.
Nothingprovidedhereinshallbeconstruedtoprohibitacardissuerfromplacingtheaccountofacardholderoninactivestatusifthecardholderhasnotusedthecardforaperiodinexcessof18monthsorfromrequiringthatcardholder,uponsubsequentreuseofacard,toprovidetothecardissuersuchupdatedinformationaswillenablethecardissuertoverifythecurrentcreditworthinessofthecardholder.


ThereasonschasebackclosedmyaccountswerestatedasToomanyaccountsopenedrecentlyToomanyrequestsforcreditorreviewsofcreditNowthosereasonsthattheyclosedmyaccountsarenotstatedinthecardmemberagreements.Andthefactthattheywrittenandclosedmyaccountsthesamedayisaclearviolationofthemgivingmeawritten30daynoticeoftheirintenttodoso.Thisisaclearproblem.Iwillbegoingafterarbitrationforthismishandlingofmyaccounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Synovus Bank
State: AL
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:
If I have recently made a payment the SYNOVUS credit card website will not allow me to make another payment. I have other CC accounts that let me pay on them everyday if I so choose. I have spoke to SYNOVUS several times about this issue but I get no response.

They have even declared me dead, closed my account, took away all of my rewards points and I never even got an apology.

Back to the payment issue - it is my understanding that a creditor can not refuse payment of a debt or am I misinformed?

I really do not understand their behavior, I have never been late and I always like to pay my balance early so I do not accrue any interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I looked over my credit report today and seen some discrepancies and there is a charge of {$200.00} for a capitol one that began on XXXX XXXX the account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
So I filed a dispute with TransUnion about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said a 3rd party company they use to verify the information confirmed that the information was accurate and correct. I then called them and said please tell how the information was verified and the said they use a company call XXXX, I then told them that how was it possible that XXXX verified my information when I have a security freeze on my account with this company. I contacted XXXX and asked how them how did they verify the information I was disputing and they said they contacted the court where I filed my bankruptcy, I informed them that I had a letter from the court clerk that states, they do not report to 3rd parties and credit bureaus, I sent this letter to Transunion with my security freeze letter from XXXX, So this is proof that a FRAUDULENT verification was conducted or not done at all. So I ask that this be removed from my credit report 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 explanation
Consumer complaint received 2020-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX 2018 I was financed through Credit Acceptance Corp of Michigan. I was low income and had a very low credit score. I'm not even sure how I managed to get the loan. Not even 3 months into the car loan I lost my job and couldn't pay the car insurance on the car. I lost my job because I was jailed for fighting and it cost me my job. I couldn't pay the insurance and the car was then stolen and totalled in a high speed chase with police. The car was flipped and it was a total loss. I sent credit acceptance the police report but they did not bother to care. They charged me 22.99 % interest on the loan and the state of Louisiana only allows up to 12 maybe 14 %. They took advantage of me me knowing I was low income and would be so excited about just getting a car. I paid {$3500.00} down payment for the car and the total amount was still {$12000.00} after the down payment which now I know is insane. They charged me for extra insurance that I knew nothing about that would have been voluntary. NOw that the car is totaled they are crushing my XXXX XXXX and continuing to add more and more to the loan which is now at over {$16000.00} and counting. I've tried to dispute it over and over again and they won't make any changes. The criminals who stole the car still have not went to trial. I now owe a tow company thousands and XXXX for a wifi box that was in the car. The loss of my job cost me my home as well so I had the car packed down with personal items that were a total loss because of the theft. Credit Acceptance knowingly ripped me off with the contract. They knew I was low income and they could take advantage of me and they are still taking advantage of me 2 years later with my credit report and the amount owed. The car was stolen and totaled in a chase with police and the criminal has still not went to trial. I am paying the ultimate price for others taking advantage of me. I do not know what to do. I can not afford an attorney and I called legal aid and they don't have any openings for me to even tell them about my story until XXXX. Credit Acceptance has wronged me and I know they did thousands of others because I read about the cases and they still have many other suits in action. I'm asking that someone please help me and stop these people from taking advantage of others. I am still walking because my credit score is trashed. I am a single mother and low income. This is insane.

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 2019-10-24
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2019, there was a mortgage payment posted to my account that I had not made. When I called US Bank to inquire what this payment was and why it was on my account, I was notified by the US bank call center representative ( XXXX ) that their was an escrow balance overage and that it was applied to my account. 

I mentioned multiple times that I had not sent in my payment but the US Bank representative assured me that the payment was valid and correct. Now the first of XX/XX/2019, US bank notified me that they had made an error on their end and that two months worth of mortgage was due in XXXX on account of their error. I attempted to send in my payment for XXXX and they did not want to accept it. I was told I was to make the two months worth of payments and that they would not receive just one month. 

I have been trying since the beginning of XXXX to work with US Bank to find a resolution to their error and have been given the run around for weeks now. I have been accused of being a delinquent who does not want to pay my mortgage by one of their male representatives ( XX/XX/2019 ), I have been laughed at because of my XXXX name, and I have been treated with sheer disrespect from a supervisor named XXXX who refused to help me when I called last on XXXX XX/XX/XXXX. This supervisor answered the line by saying " What do you want ''!!! Set individual even proceeded to tell me that I wasn't going to ruin her mood for the day and hung up the phone. US Bank is not owning up to their mistake from back in XXXX, they have sent numerous threatening letters of foreclosure, negate the fact that I have uploaded to their portal multiple times documents that they have requested for a request for mortgage assistance ( RMA ) and have made this a tremendous financial and emotional burden on myself and my family. They have reported my account to the credit bureaus on account of their mistake and I am not sure at this time what my rights are on account of not being able to achieve a reasonable solution. 

I do not negate the fact that the last three times I have called, I have been quite upset an account of the sheer unprofessional individuals US bank has in this call center ( XXXX ) and how they seem to not want to own up to their mistake which has caused tremendous suffering as well as emotional and financial distress. I can not believe that a mortgage company treats its customer the way I have been treated by US Bank.

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 2021-08-14
Company: EQUIFAX, INC.
State: NJ
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation