BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/XXXX and XX/XX/XXXX Experian received copies of police reports regarding accounts that were established without my knowledge due to identity theft in addition. On XX/XX/XXXX Experian received notarized affidavits, police reports, identity theft reports, and other documentation supporting my claim. Experian has violated the FCRA practice by no blocking fraudulent accounts within the 4 day time period allowed. Experian has also failed to provide any validation of the accounts that are in question.

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 2018-06-08
Company: GMA Investments, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Got a call today on XX/XX/2018. Messgage as very vague but it stated someone representing me needed to return the call before a reccomendation was made. The name of the company was never mentioned. The called from.a local XXXX number even though the voicemail left the number XXXX which is XXXX XXXX in XXXX. They called previously and when I called they never stated the company till I asked then said I owed a debt I did not recognize so I asked for a debt verification letter. The lady said she could only email it because it was an electronic transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX This creditor has reported on my XXXX credit report as an open account since XXXX. This information is incorrect. The amount owed has since been charged off and included in an open judgement with their attorney. 

XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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 called USAA on XX/XX/XXXX to report my Amex stolen. I later received an account notice that card info for XXXX XXXX  had been updated to allow purchases while a replacement card is shipping. The morning of XX/XX/XXXX I attempted to purchase groceries and the XXXX XXXX  was denied 3 times. Upon contacting USAA they denied existence of the notification and said nothing about my having been informed of continued access to my credit and subsequent barring from use. I think this is a violation of consumer protection and credit standards.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/2022 Bank of America reported a new credit inquiry which i did not authorize

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 2020-07-26
Company: EQUIFAX, INC.
State: SC
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:
XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX  has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving debt collection phone calls for a debt owed by my ex husband that he incurred many years after we were divorced. The company calling me has explicitely stated that they are not trying to reach me, but my ex husband. I have explained that a ) they are calling my work number and creating problems for me at work in that I receive upwards of 5 calls per day from them, and b ) he is my ex of nine  years and I am not responsible for his debt or for finding him for them. I have also asked them repeatedly to stop calling me and have explained that they are calling me on my work number and creating problems for me at work. As soon as I tell the caller all of the above, they promise to remove my name from their calling list, but I continue to receive calls regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: GOLDMAN SACHS BANK USA
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:
On XX/XX/XXXX Goldman Sachs Bank Usa Reported on my account as a collection. Goldman Sachs Bank Usa XXXX XXXX credit report that this account was opened XX/XX/XXXX .Goldman XXXX Bank XXXX XXXX a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from Goldman Sachs Bank Usa except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Goldman Sachs Bank Usa has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX XXXX XXXX XXXX on my account as a collection. XXXX XXXX states per credit report that this account was opened XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi, I was offered a Title Loan at 11 % interest. Ur the terms were not explained to me when I signed for the loan. They are charging me {$460.00} a month in just a renewal fee that they say only pays the interest and nothing to principle. 

The company is TitleMax In XXXX, Ga Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX And phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used the Capital One app to send a payment through XXXX, which I thought was part of Capital One, since it is prominently displayed in the app as one of two ways to transfer money. The icons are " Transfer Money '' and " Send Money with XXXX ''. 

My Capital One account has fraud protection, which I have used before and it has been fine. 

For this scam, the person posed as a real estate broker renting an apartment. I met him and saw the unfinished apartment, and signed a lease starting the following month. The lease states that if the apartment is not completed by the move in date that I am entitled to a refund. It was not completed by that date, but when I tried to get my refund back, the scammer disappeared. 

I later found out that he used this same scam on 13 other people, and similar scams with others in other states, by doing some research online. 

I called Capital One to report the fraud and only then did I find out that XXXX is not part of Capital One ( despite being prominently featured as the way to send money in their app ). They advised me to call XXXX. 

I called XXXX and they told me their service should only be used to send money to friends and family that I trust. This is *absolutely not* something that should be included in an app from a legitimate bank, when the bank itself offers fraud protection, and so do other legitimate payment services like XXXX. That caveat should be VERY PROMINENTLY shown, if the bank is going to use XXXX, as they must surely be aware of the risks. 

**You should need to consent that you are voiding your fraud protection by using XXXX from within the app. ** But there is no such disclosure. 

Instead, Capital One just puts XXXX in front of customers as if it is a legitimate payment method. By withdrawing fraud protection without prominent disclosure, or by featuring a payment method that doesn't have fraud protection within a bank account that does have this protection, they seem to be complicit. 

I sent {$1200.00} on XX/XX/2019 and another {$1200.00} on XX/XX/2019, totaling {$2400.00}. That was most of my savings at the time, because it was supposed to be my next month 's rent + security deposit. 

Now all I have is the email address where I sent the money. 

I'm including my " Lease agreement '' and can also send my " Lease Release form '' if needed, which was sent before the person vanished. I can also reach out to the others who were scammed on this and ask them to report it here too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Pinnacle Financial Group, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : Ref to Account # XXXX it seems for whatever reason my mortgage has risen from {$1300.00} to {$1500.00} with an escrow shortfall of {$4800.00} Notified Closing attorney office to ascertain reasons? Wells Fargo Home Mortgage Closing Attorneys XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, S.C. XXXX phone # XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. 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 2018-06-08
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've known I've owed Federal Student Loans for some time. I took it upon myself to contact GC Services to set up payments. I've sent ALL REQUIRED PAPERWORK, which I have PHYSICAL COPIES of and they have been collecting payments for 4 months then all of a sudden they STOPPED. I get my paycheck and 15 % HAS BEEN GARNISHED! this was alarming and a tough pill to swallow all in all I felt GC Services ripped me off I filed all paperwork even made all my payments on time and, for what!? They couldn't even send and, email to inform me.of these changes! I'm a single mother just trying my best to be an, amazing mom and, keep me and, my daughters head above water next month is her Birthday I doubt I'll even be able to afford a party. All the rep that I spoke to could say is its unfortunate and, it must be a paper jam error wowww.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  sold this off it seems when it was PAID in full over a year ago this is incorrect and needs to be completely remove before legal action is taken

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 2020-01-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: EQUIFAX, INC.
State: ME
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:
XX/XX/2019 XXXX XXXX XXXX  XXXX hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed XX/XX/2019 XXXX=XXXX XXXX XXXX XXXX . 
hard inquiry without my knowledge / I have not made any changes to my credit / no new applications etc There is no contact information listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I recently pulled my credit Reports, And I discovered that BB & T # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with BB & T. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

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 2019-04-23
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: Problem with personal statement of dispute

Complaint:
I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX  XXXX XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2021-04-11
Company: Synergetic Communication Inc
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synergetic is requesting a payment however the buyer name & buyers signature does not match. Im requesting the company remove this debt with all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a call from XXXX ( XXXX XXXX XXXX. I called the number to see what the call was about. The man I spoke with did not let me get a word in, I explained that this debt was paid and it reflects on my bank statement. This same number has called my mother and aunt several times. I tried to talk with this place to get to the bottom of the issue and they are very aggressive, and yell in the phone and ultimately end up hanging up on me. They REFUSE to express who they are or provide proof of the debt. They refused to give me an address or a name to the company yet they continue to call me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a blocked number and the person stated they were sending a process server to serve me with papers regarding a suit against me. I panicked and asked for more info. The " process server '' said they only had a sealed filed with no info. I was given an XXXX number and case #. I contacted the number and was told that Ace Cash Express was filing charges against me for intentionally committing check fraud. 

The debt is valid and I set up payment arrangements. I made 2 payments and then I had to cancel my card because I lost the original card. I was contacted on XX/XX/18 and told that I had to pay the balance by the end of month or XXXX XXXX would " send my file back upstairs for processing '' due to defaulting on po payment arrangements. Then on XX/XX/XXXX, XXXX   of XXXX XXXX XXXX, left a very detailed message on my voicemail including the amount of my debt and the consequences for not contacting by the end the business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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:
The Bureau has failed with the following : NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

Experian has stated they have verified a past due with XXXX XXXX XXXX. In fact I received a letter from XXXX XXXX XXXX whereas they have also failed to provide me adequate proof of any late payments on my account. 

Experian has failed to remove this inaccurate 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