BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capital One Account : # XXXX Capital One Auto Finance is reporting 34 late payments on an account that is now closed and paid in full on my XXXX and XXXX XXXX XXXX. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Capital One Auto Finance is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written Capital One Auto Finance to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: FORD MOTOR CREDIT CO.
State: MN
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 recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXXof 2013 an has been reported to the FTC and authorities as Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
1. PayPal, without warning and time to respond, increased the requirements for a PayPal account that does not allow me to login to my existing account. ( I DO NOT have a text capable/enabled or any mobile phone, nor do I intend to bear the expense of mobile phone service just so I can continue to use an existing PayPal account. ) 2. PayPal has REMOVED INFORMATION from their web sties ON ALL methods of contacting them WITHOUT logging in to the account ( which I no longer can do because of the added requirement blocking access to my account ). 

XXXX. I was not provided with the opportunity to close my account and request that all my personal identity, financial information, and statements, purchase information etc. be deleted from their files / servers since THEY HAVE BLOCKED ACCESS TO MY ACCOUNT, YET REQUIRE ME TO LOGIN TO THAT ACCOUNT TO RECEIVE SERVICE. 

4. PayPal is effectively blocking me from control of my personal data - e.g. is blocking me from closing my account and removing all my personal information from their service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account with no clear reason while the account had over XXXX dollars in it. I attempted to get help in person and was only given a phone number and was threatened with security when I asked about my missing funds. When calling the number, I was just told they will eventually send a check and to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are inaccurate items on my report being bankruptcies that states a XXXX XXXX as Plantiff these are inaccurate I havent not filed Bankruptcy in Texas these are fraudulent and need to be removed I will be opening a fraud case with the U.S. government.

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 2021-08-08
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMP LLC is reporting negative debt on my credit report every month in the amount {$980.00} on XX/XX/2018. I am very unaware of this debt because, I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Collections Acquisition Company, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cybrcollect is showing up on my credit report stating I owe {$420.00} and {$120.00} for XXXX. I have never heard of this. I have also never received anything in the mail. I would assume the company would mail me something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: TX
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:
These 2 accounts are not mine. My brother had stolen my information and left me with the damages. Please remove it. I am not a mortgage company or a credit repair company. Please remove it. I have supplied you with my personal information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a COVID 19 forbearance to help while Im out of work n because my income was reduced. My mortgage co approved the forbearance and they only approved the principal and interest n not the escrow. The P/I was put at the back of the loan but the escrow wasnt n because I was on forbearance for 6 months my escrow is short by {$16000.00} n I received a letter from my mortgage showing a escrow analysis with the shortage amount and if I didnt pay the shortage my payment would go up from {$1600.00} to {$3000.00} in XX/XX/2021. How is that helping my situation. If anything it made it worse. I need help..not make my payments go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: CT
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 - could not access https : //www.ai.equifax.com to dispute current and previous addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased an electric bike from XXXX 's Bikes, using my XXXX XXXX Credit Card. Immediately upon arrival after charging up the battery, the electric bike would not work or function. It would turn off by itself. I notified the owner of XXXX 's Bikes, and he sent me out a replacement for the user 's screen or control panel, thinking that that was the problem. I immediately started looking for a repair shop to replace the part. After an exhausting search, I was unable to find anyone that was willing to work on the electric bike. I then took it upon myself to find an online site to attempt to change out the battery and controller, which could have been the problem. I paid for the parts myself, had them shipped to me, and attempted to try replacing the battery. I thought that I had got it to work for at first, but I was very disappointed to see that the electric bike still would not work or function. The owner of the bike store began being very rude and disrespectful to me over the phone. I then decided to dispute the purchase. My credit card company didn't provide me any information throughout the dispute, nor after I was told that I would receive a letter of the results. XXXX XXXX Credit Card XXXX now decided in XXXX 's Bikes ' favor, and I have to dispute it again. How is it that a company can expect you to pay for something hasn't ever worked nor functioned as it was suppose to? In addition to that, XXXX 's Bikes inflated the charges for the electric bike being disputed. I have included both the original receipt of purchase, along with the receipt for the parts that I paid for. Please, advise and assist me on this matter, if possible.

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: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When receiving my Barclay AA Aviator Business credit card, I asked the call agent for a match for more points if I met the minimum spend of {$1000.00}. The customer support agent accepted my match but I have not received the match after months of waiting. I have called multiple times and sent many secured message/service requests through the card online program inquiring about the match and still no answer. Barclay AA Aviator Business did not told up the end of their promise.

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 2022-02-01
Company: Blackhawk Network Holdings Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had purchased XXXX XXXX digital giftcards from giftcards.com. After attempting to use the cards the number could not be found and after a few attempts just said zero balance. I contacted XXXX they had told me that they could see there was a balance on the cards but the cards were never activated. I then contacted giftcards.com and told them that and thier response was to contact XXXX again as they have nothing to do with it. I now have a XXXX investigation into my giftcards and waiting for response. I have since decided to just attempting to get a refund from giftcards.com. They claim they need to contact XXXX. After further review they had told me that the giftcards had no balance and could not process a refund. While it sounds like XXXX is doing what they can do giftcards.com is just attempting to Rob me of my money and could seem to care less. I have transcripts of proof from XXXX collaborating what I had told giftcards.com. Yet they still seam to want to do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Receivables Performance Management, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  informed me of the complaint. I do have an account with XXXX XXXX, but my account is current and is paid through auto pay. I didn't open another account as stated in the complaint. When I talked to XXXX XXXX they stated that there was no other accounts besides mine associated with my account. I've filled a complaint with XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.

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 2019-05-30
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX Credence Resource Management , LLC contacted me regarding a debt for XXXX XXXX XXXX XXXX for a balance of {$440.00}. On XX/XX/XXXX I sent a verification of debt letter requesting balance owed, amount of debt when received by collection agency, last billing statement including itemization, notice of last payment to XXXX and when account became delinquent. On XX/XX/XXXX Credence responded confirming verification of debt received. On XX/XX/XXXX I received two bills and no further information. The bill was from XX/XX/2019 and XX/XX/2019 no additional information was sent. This is not adequate verification of a debt because it does not reflect balance owed. I would like to report this collection agency for their inability to supply the requested information and request all calls and letters stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: VA
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:
Hello, I sent a total 7 disputed requests to Equifax regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Equifax hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. 

This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. 

I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Transunion Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on 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 2017-08-07
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX back in XX/XX/XXXX, and it was my understanding there was a XXXX fee for this loan ... They take payment through my bank account, and we are on XXXX, and live on a fixed income ... ..I thought this would only be a 3 month XXXX payment ... However, they have been taking XXXX out each month, and I called, because they sent a txt saying another payment was going to be withdrawn but this time XXXX!!!! I then went on line, and found out it is costing a whopping XXXX for the XXXX borrowed, and the interest rate of XXXX percent!!! I tried to call them to see if we could work something out, but they are not working at all with me, and I feel like I have been totally ripped off!!! Since the date of XX/XX/XXXX, they take XXXX out of our XXXX, and this month XX/XX/XXXX, I called them to not take the payment as we are having a hardship, and they said no, and the payment is gon na be XXXX this month!!! Well, I had to put a stop payment on this because we could not afford it ... ... I am not understanding one bit how this can be legal. Please help : ( Thank U!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter who previously had a juvenile account that was attached to my account, was the victim of a scam in which her banking information was used to steal XXXX from XXXX XXXX. XXXX XXXX  wrote off this amount as a loss after we communicated to them this was a fraud. We also filed a police report with the XXXX XXXX Police Department ( Case # XXXX XXXX. Although this is now a criminal case, XXXX sent this false debt to a credit agency called Credit Collection Services. This agency is now harassing us with phone calls and letters for a debt we do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: ID
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:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.

IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.

XXXXXXXXXXXXXXXXXXXX;XXXXXXXXXXXX(OriginalCreditor:XXXXXXXXXXXXXXXX)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