BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: HW Holding, Inc
State: TX
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:
On XX/XX/2018, I received a call from Hunter Warfield Inc.. I have been attempting to settle this debt with them for almost 2 years now. I have offered a payment plan that I could afford, and they refused to accept that amount. Although it was minimal, it was a payment that would have caught me almost half way up by now, but instead, none of it has been paid. After they called me and I told them what I could pay, they still would not accept it. Even though the amount that they wanted me to pay was way more than I can afford at this time, I decided to call back on my way home from work to go ahead and make the payment arrangement to pay their " acceptable '' price. I recently started working a weekend job along with my full-time position, and was hoping this would cover the " acceptable '' price. So, when I called them back, I got a new representative named XXXX XXXX, who said his job title was " Pre Legal Auditor ''. XXXX belittled me on the phone saying things such as : " Why haven't you and your husband pulled together your funds for the last 2 years to pay this, '' " What would make you think THAT is an acceptable payment?, '' " What have you been doing for the last two years that you still can't make more of a payment? '' I asked XXXX to please stop making it personal, but he continued saying the same things over and over again, claiming that I was wasting his time. It took me asking 3 times before he even told me a settlement amount, which was {$4000.00} out of the {$5000.00} that we owe. He said that he would not tell me the amount because I had stated that I couldn't pay it at this time, so it was pointless to give me an amount because I would not be able to save up for this, as they were planning to take legal action before I'm able to save up. After I was belittled on the phone for about 10 minutes, I asked to speak to his supervisor, who was even worse. 

He said the same things to me that XXXX did, and even at the end of my conversation with him, I said " I am more than willing to pay the debt, so I will do my best to get it to you all as soon as possible. He YELLED at me and said " You don't have time to think about this, you only have until Friday before we take legal action. '' Both XXXX and his supervisor talked about how " their client '' wasn't interested in my minimal payment, yet the account was sold almost an entire year ago, so they shouldn't have even brought the old creditor in to the equation at alll, but they certainly did. 

All of the above is true, and Hunter Warfield would have this on their recorded line, as that was what I was told every time I talked to a new person.

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 2023-01-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CBC Companies, Inc.
State: CT
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:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft FACTUAL DATA Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from XXXX site online using my BoA card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - XXXX transactions of {$600.00} were executed for buying Digital gift cards totaling {$2400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed 3 transactions and gave me credit however did not reverse the 4th transaction of {$600.00}. 
4. I called the fraud department and they gave me a temporary credit via letter dated XX/XX/XXXX however reversed the decision on XX/XX/XXXX XXXX. I called the Fraud department and they asked me to appeal against the decision. 
6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim via a letter dated XX/XX/XXXX. I went to a BoA branch and we faxed all the necessary documents including Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. I followed up with my banker however these charges have still not been removed.

9. Instead BoA went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance.

10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. 

Request you to please help take it up with Bank of America card services. 
Thank you

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 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I used my Capital One credit card to purchase XXXX tickets on XX/XX/2020 for {$620.00} with a 100 % cash back guarantee understanding upon purchase if event cancelled for any reason through XXXX Upon purchase my tickets were transferred digitally to XXXX where I have an account. Later the event was cancelled. XXXX showed my tickets as voided. I contacted XXXX and they said for me to contact XXXX as they had no affiliation. I contacted XXXX but their telephone line was inoperable and so was their email which only returned a non-operating domain response. I reported dispute to Capital One. They said they contacted XXXX via the banking system who claimed I had received a " coupon refund. '' The coupon does not show up on XXXX and there is no account or the possibility to have an account at XXXX. Again it is impossible to communicate with XXXX. Capital One asked me to submit my supporting documentation. My documentation provesXXXX is running a fraudulent organization. I submitted over 20 pages of documentation including XXXX and XXXX  reports of extensive complaints similar if not identical to mine against XXXX. Despite all my documentation Capital One is refusing to reimburse me and by ALL evidence is aiding and abetting XXXX in their continuing fraud on the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Viking Client Services
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Viking Client Services , LLC XXXX XXXX XXXX XXXX, MN XXXX illegally contacted my employer and my insurance company to try and recover funds for rental car damages. I rented the vehicle from XXXX on XX/XX/XXXX to XX/XX/XXXX. I was hit by an uninsured motorist on XX/XX/XXXX. They contacted my employer after they seen my discount code on the rental agreement. I contacted Viking via phone and inquired why they contacted my employer without first contacting me. I got three different answers from their employees. One said my private insurance company told them to contact my employer, the other supervisor said XXXX gave them permission and the final supervisor over the whole department stated that no one gave them permission to contact my employer. All of this transpired after I told them a few days before that i was claiming the damages with my credit card company and my private insurance company but to no avail they violated my right any ways. If this wasn't enough damage to my reputation they proceed to over charge me on the damages and have not provided the proper documentation for the loss of use for the rental vehicle, and administrative fee and a diminished value fee that I have requested for and now I am requesting proof of these fees again. However they did provide mr a copy of the XXXX Preferred Rental Terms and conditions of which this is the first time I am seeing it of all the time I have rented with XXXX for the past 5 years. Additionally in the packet they sent me additional pictures of damages on the right side of the vehicle of which was not there when the vehicle was in my possession. I also requested a copy of the voice recording of which i was referred to their compliance officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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 am very concerned because my credit reports are showing discrepencies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information you are in violation.

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 2020-08-07
Company: JPMORGAN CHASE & CO.
State: TX
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:
Reference case # XXXX. 

This was closed prematurely and I have been continually trying to follow up with Chase before re-submitting here. 

Please investigate my dispute according to the original case, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: ALLY FINANCIAL INC.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As a result of a drunk driver hitting our children and totaling our daughter 's truck the Insurance company paid their portion and Ally contacted our GAP Company, XXXX directly instead of allowing us to do it. XXXX paid the balance Ally provided and now Ally is sending us an additional balance which is accruing interest and the phone calls are incessant. 
First, why would Ally contact XXXX instead of allowing us to file a claim? 
Second, why would Ally not send the proper payoff. The balance has doubled and it is negatively affecting our credit. 
Ally Acct # XXXX Accident XX/XX/XXXX XXXX Claim # XXXX XX/XX/XXXX Balance after insurance payout XXXX paid on GAP claim- {$200.00} Ally claiming we still owe {$100.00}. Now with interest up to {$200.00}. 
Why would Ally submit one amount to GAP for final payment and then continue to send us an amount due? 
Neither company will take responsibility for their mistake. XXXX ignores me completely.

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 2020-09-21
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act # numbers XXXX XXXX XXXX have violated my rights. 15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting.

agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : 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

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 2023-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For the last 6 months i have tried to resolve this matter in regards to my credit report after reviewing my credit report I never opened account with any third party company and therefore under 15 USC code 6802 B opt out law 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. I do not consent to my dispute being graded with any electronic eoscar system. I demand a human to process this and if you deem the items as validated or verified i demand you to include 1.Names of The employees and officers of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: GVA Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The loan gave a loan but I had no Idea that the interest rate would be so high. Itis over 300 % It seems I will never be able to pay the loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount of {$1400.00} marked late XXXX XXXXXXXX has refused to remove this 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 2020-09-20
Company: EQUIFAX, INC.
State: NY
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Aldous & Associates, PLLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Opened a gym membership contract for 12 months. Was contacted by Aldous and Associates who stated I owed somewhere in the amount of XXXX $ for being in breach of contract. Sent certified mail of bank statements proving 12 transactions of XXXX, confirming my fulfillment of the contracted agreement. Also provided my written and signed statement. Contacted XXXX XXXX XXXX many times, can prove with phone records in attempts to cancel the contract early but was told I had to complete the 12 month contract. There was no early termination agreement set in place. 

This is devious and and mis representing if the company does not stand by a XXXX month agreement. If you call any XXXX XXXX XXXX, they tell you over the phone the contracts are a one year only. My wife has called XXXX nh and XXXX nh locations to confirm this. If they have hidden clauses then that are Mis representing their contracts and clientele are misinformed as to what they are actually signing. 

XXXX XXXX XXXX also never sent me mail of this debt I owed. Instead they went straight to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been incarcerated for 10 years, which would be XXXX. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation