BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: CORELOGIC INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Late XX/XX/XXXX " Corelogic/XXXX '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me. 
They complied with half of that request, I have yet to receive my full consumer report. All I want is to have my report sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
During the months previous to XXXX 2013 I was contacted several times by CashCall Inc. through their advertising and phone calls, I really did not want to take a loan out, but at the time I wa struggling due to going through a XX/XX/XXXX. I also was having XX/XX/XXXX issues, that soon became serious and was on XXXX XXXX for about a year and a half. I was overwhelmed with house payments, child support, bills, car payments etc. The initial loan was for the amount of approximately {$2600.00}, and then soon became overwhelming with the inflated annul percentage rate of 184.36 %. I received a summons from CashCall and Im being sued for {$16000.00}. I feel I was in a bad state of XXXX and XXXX at the time they preyed upon me for a loan that is nothing but criminal, deceptive and deceitful at the least. This company should not be in business and is a shameful example of fair business practice. I plan on contacting the Attorney General as well as getting advise from an attorney I can barely afford. Why does the government let such companies as CashCall exist?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

1. Identity ThefXXXX XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Consumer Portfolio Services, Inc.
State: OR
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 accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

XXXX. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. CONSUMER PORTFOLIO SVC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have a student loan that's been on my credit for 15 years I've been trying to remove it for 5 years by disputes. Experian will not delete.

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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection for an amount of {$7300.00}. After filing the claim, I received an email that I would get a status of the claim back in 5 business days. I waited for 5 business days and contacted XXXX XXXX XXXX ( via phone ) around XX/XX/2021 and was asked to wait for another XXXX days. 
After a lot of back and forth, on XX/XX/2021 I received an email that my claim has been moved to adjudication and I should wait for another 5 days. Then on XX/XX/2021, I got an email that my claim is approved for {$1000.00}. I called customer care, immediately, asking for the clarification as to why my claim was approved only for {$1000.00} while I filed it for {$7300.00} and I was given a reason a WRONG reason ( that my benefit limit is {$10000.00} per year buy, it is {$50000.00} per year ). I then requested for a call back from the claim XXXX to understand the right reason behind {$1000.00} claim approval and I was asked to wait for 1-2 days. 
I never got a call back and I called customer care again and I was then given another reason behind the {$1000.00} claim approval. I again asked for a call back from claim XXXX and was again asked to wait 1-2 days. By XX/XX/2021, I called customer care multiple times and requested for a call back from claim XXXX but that never happened. 
Here are a few reasons that I have got, so far, from the Chase your team for my {$1000.00} claim approval as against {$7300.00}. 
XXXX. My card has an annual {$10000.00} limit and I have exhausted the limit XXXX. We only pay the deductible of your home owners insurance and that is {$1000.00} 3. This kind of loss is only covered up to {$1000.00} And all of this is WRONG, as per my benefits guide that I had received along with my card. I had already filed a claim with my home owners insurance and they provided a settlement letter explaining that my home owners policy only covers {$1000.00} for this loss. 
I have requested, several times, that I would like to talk to the claim XXXX, but I never got a call back. 
I finally connected with a supervisor ( XXXX XXXX and he agreed that there is something wrong with my claims decision. He mentioned that he is going to reach out to the leadership team and come back to me the same day ( XX/XX/2021 ) or, XXXX, the next day BUT I never got any call back. 
I am now stuck here, trying to get an explanation on why my claim was only approved for {$1000.00} and not the full claim amount, and sending this complaint to see if I will get the CORRECT explanation behind the {$1000.00} reimbursement from Chase card benefits while my claim was for {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with New American Funding with a VA Loan. I am trying to do a short sale to avoid foreclosure. I am currently in the XXXX. I own a home in XXXX XXXX and was transferred to XXXX last year. I had to rent the home that I am trying to short sale. I had some trouble with the tenants and was unable to travel with my job. They stopped paying rent and did damage to the property. My income decreased because of the lower cost of living in XXXX and I was unable to keep up with the payments or do any repairs. 

The problem that I am having now is the VA is stating the property is worth {$300000.00}. This property is in poor condition and it is not worth this value. The real estate agency I hired is currently trying to resolve the issue with XXXX XXXX XXXX with a dispute but have learned they are being fraudulent with the dispute. The real estate agency has to be 100 % upfront on the repairs needed to the property, they 're required by law. But the lender and the investor ( the XXXX ) does not? I am currently in review for a short sale with an offer in and the lender will not postpone my sale date? From my understanding that is required by XXXX state law. 

It has clearly been shown to the lender and the investor that there is more damage to this property that the appraisal did not show in his report. That has been proven and they will not accept it. 

It appears to me they do not want me to do a short sale to avoid foreclosure. They are doing everything they can to make sure that happens

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft AMEX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Form Intent to Move Out obtained & given to leasing office @ XXXX in XX/XX/XXXX. Actual move out in XX/XX/XXXX. 

Around XX/XX/XXXX, I was contacted by National Credit Systems , Inc Acct # XXXX to collect on Early Move Out/Reletting charges. 

Per discussions with XXXX, I was instructed to send Form that was turned into them at that time & debt would be removed. I sent form via email in XX/XX/XXXX. 

Note : On XX/XX/XXXX, I sent via us mail copies of documents : Email, Intent to Move Form, Money Order.Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I later discovered the option to go online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, consumer and natural person, received a bill demanding final notice to pay. I have never went into a consumer transaction with RESURGENT CAPITAL SERVICES. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Van Ru Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since last XXXX I am getting frequent phone calls from this XXXX XXXX XXXX XXXX. As I do not recognize the number, I will not respond but I will get messages telling me that this is an attempt to collect, I do not have a collector behind my back, my credit is good. 
I want for this annoying invasion of privacy and lies to stop and for these people to be exposed and -if the case calls for it- prosecuted.

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 2021-12-07
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On the month of XXXX, my account for Honda Financial Services was no longer being reported to all three major credit bureaus because my account was removed for no specific reason. I called Honda Financial Services and the representative could not give me a clear answer as to why my account was removed. For that reason, my credit score dropped tremendously for all the credit bureaus. Yet, I was still being billed for the car and responsible for making payments on the Honda XXXX. Basically I should still be held accountable but not Honda. They do whatever is beneficial to the company. I then sent a letter to the credit reporting disputes headquarters of Honda in XXXX, Texas. They replied back by sending a letter. Within the letter it said that the credit reporting of my account would be updated to all three major credit bureaus. However, it's been more than six months since then and my account has not been reported to any of the credit bureaus. This is extremely frustrating to be taken advantage of by a company who claims to be helpful. That has not been true in my experience. It feels like I'm just throwing away money to a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: National Account Services Group, LLC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past several weeks XXXX XXXX with the NAS Group has repeatedly called not only myself but my entire family in regards to " file number XXXX ''. When they initially reached out to me in XXXX I returned the call on XXXX XXXX but was not passed on to XXXX XXXX. The representative I spoke with ( XXXX XXXX ) was pushy and rude and I told him not to call me or my family anymore. The phone calls ceased briefly, but have since resumed as of XXXX XXXX. After the treatment their employee subjected me to, and this repetitive harassment of not only myself but my parents and my siblings, and even their wives, I am resolute to my previous statements that they can email me directly but they must stop harassing me and my family.

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 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I would like to know how I qualified for an 18 % interest rate on a loan where my credit may have not been the best but it was not as derogatory to qualify for that interest rate. I would like to know if I am entitled to some of my money back and if there is a cap on the amount a company is allowed to charge a person. You can go back and check my credit from the time I got the car and I only recall having a collection account along with medical collection accounts. My bills were paid monthly and on time. I believe that the car dealership received some type of compensation for the sale and loan on why the rate was so high. This during a time when the interest rates were relatively low. Then the company does not offer refinancing but its really unfair that I have to refinance when I should have received a better interest rate from the beginning. I think that Capital One needs to refund me some of my money because of the deceptive, unfair, and predatory practices they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out a credit card with XXXX  XXXX in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. Portfolio recovery associates purchased the debt from XXXX  XXXX in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Credit Central Holdings, LLC
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 status incorrect

Complaint:
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I didn't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is Credit Central located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Consumer Portfolio Services, Inc.
State: MD
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:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

Company response to consumer: Closed with explanation