BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
As of XXXX XXXX XXXX I recieved a correspondance from XXXX regarding the results of the investigation file number XXXX XXXX, Upon carefully looking at the report i noticed that the investigations results regarding in anledged bankruptcy report XXXX XXXX XXXX Indiana XXXX # XXXX. XXXX is stating that they verified is accurate on a previous dispute I included a letter from the bankruptcy court stating that the court and the clerk does not sell or provide the information that is considered under the fair credit reporting act 15USC1681 I have a right to privacy and they have not contained consent as requied the fair credit reporting act to publish personal information under 15USC code 1681e compliance procedures section b the accuracy of the report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. In 15USC 1681 section 602 states Congressional Findings and statement of purpose 15 USC 1681. a. ) Accuracy of fairness of credit reporting The congress makes the following findings. section 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilties with fairness, impartiallty, and respect for the consumer 's right to privacy. Under section e the term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a crditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In the same report i recieved investigation results regarding capital one auto finance account number XXXX I previously disputed some late payments that is being reported by capital one. XXXX has failed to conduct a proper investigation regarding the accuracy of the late payments. 15 USC 1666b timing of payments the late payments are being recored by capital one auto finance is incorrect and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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: Their investigation did not fix an error on your report

Complaint:
I faxed a letter to XXXX  last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Experian doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2016-08-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I noticed on my credit report today that there are XXXX new Chase inquiries. So far, I do n't see any new account and I want to make sure Chase does n't open or close the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that XXXX XXXX XXXX XXXX provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that XXXX XXXX XXXX XXXX provide proof that they sent these emails in which I never received.

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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to 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 2015-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
. I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2021-03-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This compliant file againt Td BANK NA for drop credit line to get hight interest payment, the acount never been late or any missed payment ever! TD Bank play a game with there client money by drop the credit line and that wrong i have been a client of td bank for over 30 year went they was XXXX out of south carolina credit line XXXX XXXX on a XXXX credit scores and these was signatrue loan so now iam at 96 % of my credit limit so they can charge high interest. charged of XXXX one year ago. and i pay ever month over the payment check the reacod. i pay this interest first then i pay the month payment.. that is so wrong. that is unfiar. that wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NC
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:
XXXX  / XXXX listed on my other accounts this is a fraudulent account I dont think is even a legal agency I had ask them and mailed letters with identification to provide proof of this collections with no response I am not at all responsible for this collections and cant find this company anywhere I believe this was fraudulent submitted in my name and will ask EQUIFAX to remove this from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Note : Account was completely satisfied with Creditor. See notes below : GM FINANCIAL : Account # XXXX Account Type : Auto Loan Date Opened : XX/XX/2013 Account Status : Closed Payment Status : Charge-off Balance {$5900.00} -Account settled for {$1500.00} Original Balance : {$33000.00} Past Due Amount - $ XXXX Account Settled for {$1500.00} Terms : 77 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NCC business services has been harassing me for a few weeks and has now as threatened reporting incorrect derogatory false information on my credit file with XXXX and XXXX. It has already been removed and corrected by XXXX. NCC has acted in both an illegal and unethical manner. This is a fictitious debt. 
I pride myself in having perfect impeccable payment history on all of my accounts with all of the credit reporting agencies I have nothing derogatory on my credit aside from this scam they are trying to force me to pay. 
Companies like these try to intimidate people into paying these made up fictitious debts and make millions I am sure. I plead to you to assist me with fighting them on this matter. 

NCC Business SVCS INC Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ****** this company is trying to collect on fictitious debts ****.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed XXXX CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted XXXX XXXX XX/XX/XXXX to consolidate and to start repayment on an XXXX. It is XX/XX/XXXX and they have not processed my request despite several calls and assurances that it would be done within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: NCB Management Services Inc.
State: CA
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:
NCB Management Services was collecting a debt and their collection agent promised me that if paid them they would delete the collection from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them and now I have disputed the account multiple times through the credit bureaus but NCB Management has refused to delete the account as their collection agent promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-08-26
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Account information incorrect

Complaint:
I Mailed A Notarized Copy Of My Inaccurate Information To Equifax In XXXX And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back And No Changes. 

By Law, They Are Supposed To Reply Within 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Garcadia Financial LLC
State: VA
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:
Account as from XXXX. I had a lease for a motorcycle and at the end of the lease, the company, XXXX XXXX called and said its the end of your lease and you either pay the lump sum or turn the bike in. I opted to turn the bike in and they said the contract was closed and finished. 3 years later, XXXX XXXX who was bought by another entity now called Foursight Capital placed a collection on my report in XX/XX/XXXX as a collection. I contacted them and they told me one thing and I called back and spoke with another person and she came up with yes your contract was done and closed but because the bike wasn't brought to a certain location the considered my contract not fulfilled. No one ever notified or informed me of this for 3 years and all of a sudden they stick a collection on my credit 3 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Background : I purchased airline tickets on XXXX XXXX ( XXXX airline ) in XX/XX/XXXX. In XX/XX/XXXX, the flight was cancelled by the airline due to COVID-19. I contacted the airline promptly to get my refund, they said OK but it could be up to 90 days. I checked in with them periodically over the coming months. 

On XX/XX/XXXX ( 90 days + a grace period ), I submitted a dispute to Bank of America ( the credit card company for the transaction ). The dispute number is XXXX. They sent me a document request, which I submitted on XX/XX/XXXX. 

I have called them and the airline many more times since XXXX to get updates on the status. The airline keeps saying " just a few more weeks '' and Bank of America keeps saying " it's under review still ''. 

Today, when I checked my bank account, the claim was no longer listed so I called Bank of America. When I finally spoke with Bank of America 's Merchant Response Department, they noted the claim was still under review and could still be a few months away. The woman I spoke with noted that I had provided considerable supporting documentation for the dispute ( e.g. emails, screenshots, phone logs ) but would not provide any additional information to me on status, timing, or their review process when I asked.

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 monetary relief
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX, I went XXXX and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XXXX. They stated I open the card up in my old name in XXXX! The company would not let me do that! Help me!

Company response to consumer: Closed with explanation