BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-20
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: Account status incorrect

Complaint:
My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XXXX, I was only XXXX years old and applied for a credit card had my info stated & social security was issued the credit card and right there was the problem.. i should've never been issued one considering the laws state you need to be 18 and older. They apparently will give anyone a credit card and don't check their info. 
it's stated as one paid account and one chargeback account. i disputed several times to have those accounts removed considering I was a minor and still was a minor so i was told not to touch the credit cards and that my father will handle it for me since I'm only XXXX i didn't have the maturity or knowledge to own one yet. 
but this has set me back and I need something done about it. 

i have submitted my proof of age to capital one and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, I sent XXXX XXXX Peso through World Remit wire transfer. The recipient did not receive the funds in their account. I filed a complaint three times and did not receive a response. The World Remit transaction number is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: NJ
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 XXXX, XXXX was informed that I was a victim of identity theft. 

I filed a police report and contacted the companies whose accounts were fraudulent. 

I recieved paperwork providing proof that the accounts being reported on my Equifax credit report were due to identity theft. 

Equifax for some strange reason, keeps reporting the fraudulent accounts as accurate. 

I sent the exact same proof to the other credit bureaus ( XXXX and XXXX ) and they both corrected the errors. 

I have sent and spent postage over and over to Equifax and they refuse to correct the errors. I have been embaressed, ashamed and hurt because of the errors due to identity theft that Equifax refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TranUnion : Looking to check into my Credit Score, which I was suspicious of because they asked for a credit card. I figured they were using it to verify my identity? Joined and received an email that they bill me {$24.00} + {$1.00} tax or {$26.00} total. Canceled and called to get my money back as I felt they just stole it from me. The rep said it was clearly marked, but I would get a refund within 10 days. Went back in and the part about that I was joining their credit monitoring service was below the fold in light grey print. Well designed to fool you and an absolute disgrace in business practice. I imagine 99 % percent of people fall for this scam and don't bother to go to the hassle of getting their money back. They should be fined out-of-business.

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 2020-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is over XXXX XXXX XXXX and should not be reported on my credit report. Appealed to the big three credit reporting agencies and company stated it was valid debit. Portfolio Recovery for XXXX dollars. The account was with XXXX Credit Card, then they sold it to XXXX XXXX and took away all my credits on my card XXXX like XXXX purchase credits XXXX Zip gone,. then sold it about XXXX or XXXX more times. Now Portfolio Recovery are claiming ownership. Its time to clean this off my credit report, its been over XXXX years and past statutes for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

I have never lived or been associated with these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : The Bureaus Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : 01 XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : 01 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX/XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open:XXXX Balance : XXXX and XXXX Account Type : Credit card

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 2018-04-05
Company: Innovis
State: NY
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:
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: NCC Business Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've made contact with the company more than once. The debt was result of an identity theft case in which the fraudster was caught and prosecuted where the debt was created ( a fraudulent apartment lease ). The company that created the lease using the fraudster 's fake ID and fake name ( which did not match my name on my credit file ), was present at the trial. They requested NCC Business Services stop making attempts to collect this debt in the amount of {$7100.00} for a lease that was abandoned and property damages. In XX/XX/2015 NCC provided me with a copy of the lease and ID, both in a fake name, and a fake ID of the young man who was charged in the District Court of Maryland XXXX  County. Despite providing my driver 's license and the more than 20 fraud accounts that were created by this criminal, NCC Business Services remains the sole business that continues to attempt to collect and is damaging my credit file with this fraudulent account. I've contacted this business more than 10 times, providing all requested documentation, and yet they refuse to do the lawful thing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE VEHICLE IN QUESTION WAS A LEMON TO START. IT NEEDED A MOTOR AND A TRANSMISSION WITHIN THE FIRST 6 MONTHS OF BEING SOLD. IT WAS A JOINT SIGNATURE WHICH I DISCHARGED TO MY HUSBAND DURING THE DIVORCE. I DON'T HAVE ANY CURRENT INFORMATION ON MY EX HUBAND. I HAVE BEEN SUED IN REGARDS TO THIS LEMON OF A TRUCK AND HAD MULTIPLE THREATS AND NOW THEY REFUSE TO TAKE IT OFF MY CREDIT REPORT AS WELL, IF I HAD KNOWN THE LEMON LAW AT THE TIME I WOULD HAVE FILED A LAWSUIT AGAINST THEM. I HAVE NOT WORKED IN OVER 3 YEARS DUE TO XXXX AND THEY REFUSE TO TRY TO ASSIST ME ON THIS DEBT THAT IS ALMOST 8 YEARS OLD.

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 2020-07-02
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We recently refinanced with Freedom Mortgage. We attempted to close on three different dates. The last two times, we received the closing disclosure ( CD ) less than 3 days before closing. The final time, we received the CD on Monday evening ( at approximately XXXX ) and closed on Wednesday at XXXX XXXX. On multiple occasions I complained about this process and was told that it is very common to receive the CD the night before closing. I was upset because the CD has been incorrect a few times. Providing us the CD at the last minute prohibited us from disputing or even questioning any figures prior to closing. I brought this concern to employees at Freedom Mortgage during multiple phone calls on a recorded line. Both Freedom Mortgage and XXXX XXXX XXXX said this was a common practice. I am confident they are intentionally violating the 3-Day Rule so that customers can not properly vet their documents. 

Note : My wife, XXXX XXXX, is not on the loan but handled the vast majority of transactions/details of this refinance. She is listed below.

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 2021-06-08
Company: BMW Financial Services NA, LLC
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: Their investigation did not fix an error on your report

Complaint:
This is existing complaint that was closed and I was locked out could not respond. 
XXXX I attempted to pay the payment before 30 days. You show on your system PROOF that I tried 6 times! How dare you not change my credit. I have paid over the phone for almost 2 years nothing was wrong with my account. It was your system. I tried to pay with a rep due to the automated problems but you were closed and you know that I attempted to pay before the 30 days you say It in your response. Number 2. The reason I did NOT pay sooner. I did call Bmw financial services and a rep told me to wait to pay my payment after my car accident/flood Incase the car was a total loss, conversation was in XX/XX/XXXX or XXXX. Your calls are recorded listen!. Your response is incorrect I did not end up having a total loss and its out right disrespectful telling me I should try sooner to pay my bills. But your Road side assistance took 2 months to refund me towing expenses that are supposed to be included in my lease agreement. This was twice the amount of my car payment. You owed me money!! This is the XX/XX/XXXX late. I will never ever buy a bmw! Im buying a home and you ruined my credit! This company is discriminating who they want to help. I have spoken to the Cfpb and they have provided me with legal resources which is going to be the next step if this is not taken off. This is the last time Im speaking to Bmw Financial to change all lates on my credit. I have sued a company in the past and won XXXX for discrimination. Im not playing with Bmw. You think you can mistreat people and get away with it. Your reps call back recently and sound like robots! Always making excuses saying road side assistance has nothing to do with your company when its BMW! You keep ignoring this fact when one effected the other. Someone was supposed to call me from road side assistance they didnt!

My other issue later in the year the pandemic My mother caught XXXX  I could not make the payment being in XXXX the phone dials out in XXXX but it does work in XXXX but you probably cant see the issue. I DID call. Knowing Im in XXXX due to my mother catching covid your company is heart less and choose who you want to help during a pandemic. I know some one who has received help from Bmw that is why Im saying this! Stop fighting your customers and help them. I will not stop until this is off. Im very upset now reading the lies in your first response by XXXX XXXX have someone else review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received a text notification from my Robinhood app stating that a bank account was added to my account. Since I didn't add it, I emailed robinhood support to notify them. About an hour later, I received a series of messages notifying me that my stocks were being cashed out! I emailed Robin hood again to let them know that my account was hacked. In total, I've lost close to {$1000.00}. I have not been able to sign into my account since it was compromised. Since Robinhood do not have a phone number for customer service, I've emailed them XX/XX/XXXX, XXXX, and XXXX. They have yet to respond to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: FC HoldCo LLC
State: LA
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:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

The inquiry was placed XX/XX/2017 2017

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 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a {$1000.00} to a friend through XXXX money transfer on XX/XX/2018. The transaction appeared to be successful but up till now my friend did receive it. I called the Bank of America from where the transfer was made they insisted that it was done by XXXX online and that it was not their problem. I contacted XXXX, who insisted that the sent the money and gave the confirmation number. But my friend contacted her bank, XXXX XXXX who said they did no get the money until now. I suspect fraud and want my money back. XXXX asked to file a complaint with you and that is why I am doing this.

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 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In my opinion, Citi/AAdvantage erroneously charged me interest and late fees when they did not provide a bill for a number of months. They converted me to paperless statements, then did not provide the paperless statements for 5 months, while interest and fees accummulated. Because I used this card exclusively for buisness travel, and because I pay my credit card bills in full, it was not unusual for there not to be a bill for a few months. 

I did not discover an issue until I tried to use the card on a business trip in late XXXX. I called the company immediately, asked them to remove all fees and interest, and paid the resulting amount in full. They continued to charge late fees and interest,. 

After numbeous contact via phone, chat, and snail mail, I finally paid the {$120.00} balance, under duress, only to avoid any dings to 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