BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every morning, for the past several weeks, beginning from approximately XXXX PST, and sometimes earlier, I have been receiving a series of harrassing phone calls from XXXX XXXX XXXX from the following number ( XXXX ) XXXX. 

These phone calls are repetitive every 30 seconds or so at least 4 times. I work nights and am generally still sleeping at XXXX XXXX -- I have tried to explain this to PayPal representatives with no change ini their tactics. 

call log : ( for past week only, previous weeks have been similar ) XX/XX/XXXX -- 6 calls between XXXX-XXXX XXXX XX/XX/XXXX -- 2 calls between XXXX -XXXX XXXX XX/XX/XXXX -- 6 calls  beteween XXXX-XXXX 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 2021-06-22
Company: EQUIFAX, 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:
There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: YKS Acceptance, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My daughter XXXX XXXX purchased a car from XXXX XXXX XXXX in XXXX Colorado in XX/XX/XXXX. The car continually leaked water inside and collected on the floor above and underneath the rubber car mats each time it rained. 
We brought the car in several times for repair. They claimed to have replaced the windshield twice, yet it continued to leak. 
My daughter started to suffer from XXXX, XXXX and XXXX XXXX XXXX a few months after owning the car. 
She's been receiving XXXX XXXX ever since. We thought the car and her breathing were related, so we drove to XXXX for tests ; the car inspection showed XXXX XXXX, she was tested positive for XXXX as well at one of her medical appointments. 
We regularly went to to XXXX  for assistance with the car leak, they were rude and condescending to us. We brought them the test results for XXXX on the car and her medical bills. They were uninterested. A couple weeks later her car was repossessed while she was in a store, only 2 weeks after her last payment was made. 
They sold the car after that at an auction. A few months later, an article in our local paper explained the dealership had been under investigation and were court ordered to re-pay clients who purchased vehicles between XX/XX/XXXX and XX/XX/XXXX. We have never heard from them at all in regards to her account and the legal action of them repaying clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Personal information incorrect

Complaint:
I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, Experian, XXXX, and XXXX. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XX/XX/XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.

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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), also I was never 60 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), and I was never 90 days late ( XX/XX/2014 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: TX
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 disputed the referenced accounts in XX/XX/XXXX. The Equifax credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Equifax had placed XXXX Management and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Equifax did receive. Equifax removed XXXX XXXX and XXXX XXXX from my Equifax credit report. I have included a copy of my Equifax Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. 

I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that Merchants Credit Guide be removed and blocked from my credit file as well. I expect to have an updated Equifax showing the removal in 30 days per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We paid our XXXX 's account off early ( Amount : {$1100.00} Date : XX/XX/2020 ) and have asked that they remove the recent 30 day late payment in XXXX, 2020 due to financial hardships but they are not working with us. We were trying to get through these recent hard times and trying to save and purchase our first home but this is affecting my credit so much and I find it extremely heartless that they won't find it in theirs hearts to delete the negative information especially because they've got their money we owed them and paid it off even earlier than expected. Can you please tells us what other options we have or please help us out to get a resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Back in XX/XX/2018 i tried to resolve the issue with a XXXX   representative who Refused to give me a credit reversal to my store credit card at that time.his reason was Because the bank of mines returned the online transaction on the target card.being that There were no hand written check mailed to this company i felt that i deserve the right To Have my account credited of the monies they took or charge me at the time.XXXX i Did have a balance which was paid by me through the XXXX XXXX who denied the Transaction there was money in the account at that time.XXXX Representatives charge My credit card a total of XXXX which was paid on XXXX i Realized there was an error Made on my behalf of the wrong information issued and Like i did explain to the target Representative there was an error made.as a valued Customer and card holder i do Deserve the respect from the corporation and deserve The right to be refunded which i Wasn't granted that opportunity at that time. so Therefore i am asking that my account be Refunded due to the actions of these Prejudice issues at the time when being mistreated Differently from other customers or Cardholders clients dealing with the corporation i Deserve the righteous treatment Hopefully this can be resolved with out any further disputes.thank you sincerely.XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: IL
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/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, Equifax, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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:
XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.

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 2020-09-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For EXPERIAN 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For TRANSUNION 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

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 2020-09-07
Company: EQUIFAX, INC.
State: MO
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 following inquiries on my report is un known, un recognized and unauthorized. Therefore, I'm demanding the immediate removal of these fraudulent inquiries. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I always had problems with this Credit Card, as I always paid on time or before Statement came out, and unbeknownst to me if you pay before Statement comes out, your payment is applied to previous Statement and you would have to pay " AGAIN '' to satisfy the current Statement and since I believed I was paying ahead, I got surprised when I kept seeing " late payment charges '' on next statement. 

I spoke with XXXX on XX/XX/XXXX in Customer Service who credited me {$30.00} late fee, as I had made a payment of {$60.00} on XX/XX/2019 and PAID OFF the account on XX/XX/2019 with a final payment of {$39.00}. 

I moved to a different home and for some reason was not getting my mail, even though I placed a change of address. 

This credit Card company, hit me with late fees, after late fees and when I noticed I had a late payment on my credit report, they told me I owed the money and there was nothing they would do for me. 

I am now upset, that I made ALL my payments as requested and I've had to struggle with this specific credit card Company from the onset and at the end they continued to be deceiving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In XXXX That was financed through Westlake Financial Service. I wanted to refinance the car due to the high interest rate Westlake Financial Services was charging to our bank XXXX XXXX in XX/XX/XXXX. Westlake Financial Services would not send the paperwork to XXXX XXXX and the refinance feel through. Do to Westlake Financial Services lack of concern and repeated threats to take the vehicle because I wanted to refinance, and they put XXXX XXXX, XXXX and XXXX payments on hold that caused damage to my credit, I instructed Westlake Financial Services to take possession of the vehicle in XXXX of XXXX. After the vehicle was taken by the company contracted to take possession of the vehicle, We saw the vehicle driving around XXXX, CA and later found the vehicle was being used to go and take possession of other vehicles by the repossession company. I contacted Westlake Financial Services XX/XX/XXXX to inform them of the situation and was told " That is not our problem, it is your problem because the vehicle will sell for less ''. 
I contacted Westlake Financial Services XX/XX/XXXX because I have not received a itemized bill of the alleged amount of $ XXXXWestlake Financial Services informed me that they don't have to send a itemized bill and that is the owed amount. I have tried disputing the alleged debt with Westlake Financial Services and to this date have not received a response. My right to debt validation is being ignored by Westlake Financial Services.

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 2018-04-04
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Because I am in an active Chapter XXXX Bankruptcy, XXXX XXXX XXXX seems to ignore and do not comply with my request and my attorney consent letter. Just in 2018, I have asked on several occasions by calling ( XXXX ) and asked for the lender name for my mortgage loan, verification and history of payments. I have waited over a week for the requested documents and no documents were sent to me. I called back and was read the Attorney Consent letter but still I have not received the requested documents. I am trying to refinance and every time I start the process XXXX XXXX helps me lose out on refinance opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to get money off my bluebird card and come to find out my account was hacked as result I loss the {$130.00} and my account shut down and they refused to fix it or listen to me. I don't know even know the person who sent money and futher more you have to have my atm pin to send me money which nobody knows but me which mean I was hacked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received an alert on my credit report ( XXXX and XXXX  ) that this company is being reported. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I DO NOT OWE THIS COMPANY ANY MONEY, nor have I ever been in contact with or have any contracts with this company at 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 2018-04-04
Company: Hood & Stacy, P.A.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I spoke with a representative in the XXXX XXXX XXXX department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( Hood & Stacey ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time XXXX XXXX verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( Hood & Stacey ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for XXXX XXXX. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation