BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a five year car loan with capital one bank with a monthly payment of XXXX  on XX/XX/XXXX I prepaid this loan in the amount of XXXX and there after I pre paid the loan $XXXX per month till today XX/XX/XXXX my last payment is due XXXX the issue I they accrued some XXXX in late fees as they railroaded me a a customer. Now mine you the were able to collect some 4 thousand dollars in interest and they refuse to wave the late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: United Accounts, Inc.
State: UT
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:
United accounts is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt on my credit file, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX days offers a purpose to straight away remove those items from my credit report. Its been over XXXX days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2021-09-08
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: Account information incorrect

Complaint:
This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( XXXX XXXX ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In XXXX I went to the car dealership, Hyundai motors, with my now ex-fiance we were trying to purchase a car. He did not qualify for the car based on credit. I originally told the salesman that I did not want my credit pulled by multiple companies and didn't think I should have qualified at all due to my XXXX and I already had a car payment. The next thing I know my credit was indeed run through several different companies and I am assuming I didn't get approved with any of the other companies. So they looked into in-house financing and said that got me approved. I felt really uneasy about this because I knew that the payment was extremely too high. The salesman kept applying pressure saying well your fiance can make the high payments and in a year you all just come back and we can do a refinance. I still felt uneasy about going through with this but the salesman kept reassuring me that this will be fine. 

I really felt like this was predator lending because I should have never qualified for the loan and fact the salesman knew the payments were really high based on my XXXX and they never verified my income. On top of adding pressure on the vehicle. The Salesman should not be able to apply pressure on someone when they don't feel easy about a purchase and should have said to think about it and let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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 recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/23 received letter stating account is closed XX/XX/23 called customer service line. Spoke to rep, who asked her supervisor if it could be reinstated due to the fact that my account is active and positive. She was told no. I asked to speak to supervisor and was placed on hold for XXXX hour. 

XX/XX/23 After hold I spoke to XXXX ( ID XXXX ) who said that they " don't have a procedure for disputing account closure. '' He was unwilling to listen to my specific circumstances because he did not have the authority to override the system. Later in the conversation, he mentioned that I had an option of " sending in a formal complaint to the general system, '' but warned me that " the answer would still most likely be the same. '' He said that his XXXX 's name is XXXX, but when I asked to speak to her, he said " that would be no. '' He offered to transfer to another XXXX at his same level, and I accepted. I was placed on hold for XXXX minutes. 

XX/XX/23 Spoke to other supervisor who listened to my concerns and said she would have her supervisor call me back within XXXX business days. 

XX/XX/23 Posted on social media sites. Received response on XXXX requesting that I private message them my phone number even though the message feature is XXXX on their account. When I plainly stated that it is XXXX, they stopped responding.

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 2021-11-03
Company: J J Marshall & Associates, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account is no longer active and has a balance of XXXX dollars. i've contacted the company about removing it from my consumer report because its showing negative, which is a defamation of character, and there is no debt validated. JJ Marshal is violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', 15 USC 1681b ( a ) ( 2 ), not having a permissible purpose nor did the have written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX, My rights 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 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 2021-09-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX my name is XXXX I purchase a XXXX on XXXX from Ally financial I have been paying on the van for over 4 years I have paid about {$17000.00} for the van already the van when I first bought it the value of the purchase price was {$19000.00} at this moment in time Ally financial is telling me that I owe them over {$19000.00} this is impossible because I already paid them over {$17000.00} I tried very hard to communicate with them and the representative of Ally but they refuse to give me statements or help me in answering my question about the amount of money they said that I owe them that I feel is not true I'm trying really hard to pay off the van and not get a repossessed but they are not helping me at all they told me at one time six months ago to get on a deferred payment plan because of the virus. They're not willing to help me at all in no kind of way or there's no one that I can speak to they put me on hold for hours at a time and never answer my questions I need some help. My cell phone XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Social Finance, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was prior to hard hit credit i was confirm all my information and submit required documents to SOFI and i was confirm them 3 times over the phone before submitting application and their representative were confirm you are eligible for our loan program and you documents also verified as well that can be meet our criteria. After submit my application they were saying we are not consider your documents to lend you money since i not meet the their criteria. All and all i would they they were lied to me and unnecessary force me to push submit application and they hard credit pull that effect my personal credit. I was also reach out them to resolved issue but they were suggested me to report online. That is the reason I am reporting here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXXn> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IL
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 is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which XXXX and Equifax have on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih 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 explanation
Consumer complaint received 2019-10-30
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Americollect INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, XXXX, and the FTC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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