BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: Law Offices Howard Lee Schiff, P.C.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to you regarding XXXX XXXX XXXX and the offices of Howard Lee Schiff.  There are multiple issues with this company and they require more space than available here. First, Howard Lee Schiff has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the  complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: SUN LOAN COMPANY INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a charged off /closed account with Sun loan and every month they still adding between $ XXXX {$50.00} on my charged off account .and doing unauthorizes hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase my true mortgage broker have been participating in an fraud scheme although at times still telling me the true that YES this is your loan and YES this is your property and they still lie like 90 going north. They will lie and say that this is an duplicate and should be punished for this A SCAM. 

Please explain to the CFPB your involvement with wells fargo and my loan, loan number XXXX. 

And recall XXXX XXXX AND REFERRED TO ME AS MY TRUST ACCOUNT AND THE ESCROW CAME BACK TO ME AS STATE TREASURY XXXX AND MY CLAIM BY CHASE STILL UNRELEASED AS CLAIM NO. XXXX AND IS A LOT OF CRIMINAL ACTIVITY GOING ON HERE WITH THIS CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have an account with XXXX XXXX ( Automobile Acceptance Corp. ). I got the loan in XX/XX/XXXX and have been paying on time until i became sick in XX/XX/XXXX until XX/XX/XXXX where I filed a insurance claim to pay for those months because I was out of work. I then made a payment n XX/XX/XXXX of about {$300.00} and something to bring my account to a current status. Beginning XX/XX/XXXX i have received almost 3 calls per week not including the calls that were made to my job for payment after I sated to them that I wanted to pay off my account at the end of this month. I requested a payoff online on Sunday XX/XX/XXXX. I  spoke to a representative on Monday when I received another call for payment verbally and was not given one but a date to pay before collections which was XX/XX/XXXX I stated to them once again that i needed a payoff and that i didn't get paid until the XX/XX/XXXX, no help, no progress. after hanging up with them I received a corresponding email to my pay off request that stated that I have until XX/XX/XXXX to pay the amount in full. On today XX/XX/XXXX i received a call once again asking for payment. I then stated to " XXXX '' that i did receive a payoff payment date and that I had to the XXXX to pay it off and that I was gon na pay it by tomorrow XX/XX/XXXX because  that when I would have the funds and that there is nothing i can do but wait until my check clears what more does she want me to do?! She then tried to tell me that that is not what that means and she stated i need to make a payment, I didn't like the tone of her voice so i told her she would get it tomorrow, have a good day and hung up. This is my 2nd loan with  them and i just don't understand how they could harass a person that's doing what they are supposed to do i'm not months behind the month isn't even over and they are hounding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2021-05-04
Company: Crossroads Systems Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I applied for a PPP loan through XXXX XXXX on XX/XX/21. I was SBA approved on XX/XX/21. They then sent an email saying my documents will be sent to me in 2-3 days. I got my documents to sign for funding XX/XX/21. I was not able to change my banking info they sent another email to update my banking XX/XX/21. They then sent an email saying it takes 2-4 business days for my funds to be in my account. It is now XX/XX/21 and I have emailed them and chatted with them everyday and they told me to be patient and they dont have a ETA on when my funds will be sent to my account. They do not have a phone to contact them, the lender Capital Plus Financial doesnt have a way for me to contact. I have emailed the CEO of capital plus financial every single day which is the lender and I have not heard anything from them at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: American Credit Acceptance, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent American Credit Acceptance a notice, requesting an alleged debt to be validated pursuant to 15 USC 1692g. Notice was mailed on XX/XX/XXXX, and confirmed received on XX/XX/XXXX. There has been no correspondents to the letter sent. Silence means that they agree, the demands that were in my letter need to be met.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened an account online without verifying who was opening the account... it was opened using my middle name and previous last name. When I attempted to call after receiving an email alert, I couldn't get through bc I didn't have an account number and their automated system kept hanging up on me. When I did reach them, they've hung up on me several times and refused to explain how they allowed an account to be opened under a name that didn't match the current check systems and credit bureaus reports nor would they explain how they opened an account without identifying the account opener ... additionally they still have not provided any documentation stating the account has been closed or given me any information that a case has been opened. 

I don't know if other accounts were opened in my name before I was able to get my credit reports frozen and I still don't know if my general email was hacked or if it was my social security number since no inquiries hit my credit reports on the day of the account opening.

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 2023-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-30
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my Transunion and XXXX credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with Tranunion and XXXX. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with Transunion and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for Tranunion and XXXX to verify. The account still remains on both of my credit reports with transunion and XXXX, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I misplaced my XXXX XXXX card I continuously called XXXX XXXX for three days and got no answer. I even tried to send an email to the company  asking them to cancel my card and still no response. Finally I reached them on the third day, up until the third day my money was still on the card. At that time I had only XXXX left on the card that previously had XXXX on it. I was furious I called the police to get to the bottom of this and was given a police report number which I sent to the company along with the disputes of transactions on my cord. I later received a letter in the mail from XXXX XXXX saying no fraudulent activities had been done on this card. I couldn't believe it. What happen was my grandchildren ages XXXX and XXXX was playing XXXX on the telephone that I previously used to place an order on and the last 4 numbers to my card was still on the phone. The kids used those four number to log into the game and every time they hit the coin on the game it charged my debit card. Not knowing they was using my money on XXXX XXXX. I called XXXX and they was willing to word with me but XXXX XXXX refused to give me the information needed for XXXX to stop payment. This is a card that is used for my XXXX grandson and I would never authorize kids to use it to play games, that is just out of the question and I don't know anything about those games. I have custody of XXXX grandchildren and all monies received is for the car of the children. I can't find the police report number but I sent it with the report to XXXX XXXX. I can get it later from the police department and send it later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights have been violated numerous of times. 

15 USC 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was working with my car company on making a payment and they decided they didnt want to work with me anymore or accept payments so I was told to refinance the car or trade it before its XXXX, so I did and I went and got it approved at XXXX for a trade in and they pick the car up the same night it was approved. Please see attached emails for proof of claim. Without prejudice, UCC 3-603.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Beginning of XX/XX/2019 I applied for HSBC Platinum Mastercard with Rewards credit card which is advertised on their web-page with a 0 % Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ( " Introductory Period '' ). With an excellent credit score of XXXX and a household income of $ XXXX I didn't see any issues with getting this card. Only, about a month later when I got the card in mail, it was NOT the HSBC Platinum Mastercard with Rewards but the HSBC Cash Rewards Mastercard with a 19.24 % APR with a {$2000.00} limit (!!!! ). This is a XXXX  INSULT! My smallest credit card limit is {$10000.00}! I was beyond  furious. I called HSBC two times, each time been on hold for 30+ minutes trying to figure out what happened. No resolve. Not only did I get an inquiry on my credit score ( which I'm incredibly protective of, hence the excellent score ) but now I've got a card with a HUGE APR and a TINY limit. Who the XXXX do they think they are?! Stay away from these fraudulence people! What a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am writing you today because i was shocked when i looked at my credit report and saw that you are reporting me 30 days late on XX/XX/2018 
i am a senior citizen and i need my credit to be in good standing i am a business owner and i want to apply for a loan but your reporting is hurting my ability to obtain a loan. 
i dont remember missing a payment the only thing i can think is that my statement didn't get to my mailbox, the mailman might of dropped it off in the wrong mail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

Company response to consumer: Closed with explanation