BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: Century Finance, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The manager of Century Finance in XXXX NC is running a scam trying to insinuate that I need to pay late fees that have already been paid in full as of XX/XX/XXXX. I have been a loyal customer to this company since XX/XX/XXXX when they service an auto loan. I lost my job due to COVID-19 and I went back to school for XXXX and obtained my XXXX XXXX  which was a requirement for me to enter XXXX school, all while this company have been a nightmare to do business with their shady tactics and false statements. I authorized XXXX on XX/XX/XXXX to be taken from account. One of the females at the office overrode my authorization and took XXXX out of my bank without my permission and I immediately emailed her with no response and then called the manager to see what their problem is with following directions. They took the late fees with a payment of XXXX on XX/XX/XXXX with one late fees of {$16.00} left. I received a nasty email XX/XX/XXXX. from the manager telling me of the one late fee left which I already was aware of and did not need threatening email. I had a conversation with him and he told me to just pay the XXXX and I sent him a confirmation email of the payment. This company has a problem sending me receipts which is on my account to send me receipts after receiving my money. My account was paid up some XXXXmon in advance to payoff the loan early so i can get rid of this messy loan company. I resumed payments XX/XX/XXXX and he took the XXXX amount off my loan which I thanked him for in the emails I will be attaching, but he put it back on my account for my payment due in XX/XX/XXXX. He inaccurately stated that I have made XXXX @ 27 payments, but you will see in the email he forgot to mention the XXXX, which would accurately be XXXX @ 26 payments+ 1 payment@XXXX totaling XXXX before Saturdays payment leaving only XXXX left in late fees owed. I took care of that remaining late XX/XX/XXXX with a payment of XXXX to reflect the email I received of the remaining late fee on XX/XX/XXXX. He is fraudulently charging me for late fees already paid that I refuse to pay again. I am a single parent of XXXX  XXXX  kids and just in disbelief that I am being taken advantage of even during this difficult time of being unemployed due to COVID-19, but I am still standing and have not missed one payment. He is untruthful and comes off as a scammer and I regret ever getting a loan with this non-complaint company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the last 3 months of dispute, the Credit Reporting Agencies have not yet complied with the Fair Credit Reporting Act section 605b, and have kept reporting the disputed accounts as verified! How many times do I have to tell the Credit Reporting Agencies that I was a victim of identity theft and that the disputed accounts were the results of such crime! I previously sent a dispute letter to each of the Credit Bureaus requesting that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus really feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need the remaining items removed from my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX Bankruptcy XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX Bankruptcy Court ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX BANKRUPTCY COURT for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2023-10-12
Company: Upstart Holdings, Inc.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan was paid off early on XXXX and Upstart refuses to inform credit reporting agencies that the loan is paid off and closed. I contacted them several times and filed a dispute with XXXX. Upstart said my account is still active. Loan is number XXXX

Company response to consumer: In progress
Consumer complaint received 2022-01-22
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: Their investigation did not fix an error on your report

Complaint:
RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX BXXXX XXXX  ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2019-09-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.

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 2018-02-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions 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 tried to contact XXXX twice. Both times they would not talk to me because my social security does match what they have. This is not my agreed loan.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: CO
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: Investigation took more than 30 days

Complaint:
I reported a dispute to Experian concerning. The reporting of XXXX credit card that the past due amounts are due to medical and a disaster event. I have contacted XXXX numerous times, offering a payment plan, which they have declined. This should not be showing on my credit report ; this is my only outstanding balance ; all other bills are current. One credit card can not adversely impact my credit ; my FICO score is in the XXXX. Experian is fraudulent ; they offer a boost, which I have signed up for four times, but I have had no increase in my score. I contacted them to let them know that my bank is connected, but their system continues to give me an error message and no change in my credit score. They never responded. I believe my credit score to be incorrect. I have never seen one card drop a person 's credit score this low when everything else is paid on time. They adversely impact XXXX people with low scores to keep us from getting credit. 

XXXX XXXX has an XXXX card as a late payment, but I have never paid them late. They also have XXXX listed on my credit report, which should be removed. My credit score should not be in the XXXX 's for one card when everything else is being paid on time.

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 2017-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX   XXXX   My wallet was stole with my driver license social security card and other items now I 'm being sent a bill for {$600.00} for   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   that I did n't open also a Kohls credit card with {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-24
Company: EQUIFAX, INC.
State: MD
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 never made this application on XX/XX/2022. I never signed any documents for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account is reporting inaccurate information. It is reporting Chargeoff but there is a monthly payment reporting. Also, the date last active on all 3 bureaus are different. XXXX  is reporting XX/XX/2018, XXXX   XX/XX/2018 and XXXX XX/XX/2018. All 3 should report the same date if not it means the information is incorrect. 

Lastly, there should be no late payments reported once the account is closed and I see the payment history listed with repetitive CO marks which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received a letter from Transworld Systems Inc. from XXXX Ohio in regard with an account with XXXX XXXX XXXX XXXX. 
I called the number on the bill XXXX. The call was answered on a line with bad reception. The person did not identified himself. When I asked, he gave me his first name and after several attempts his last name : XXXX XXXX. I explained to him that I intend to make a statement in regard with the collection, then I asked for his license number or any other information that will help me identify the person taking my statement. 
Mr XXXX XXXX did not have a debt collection license which is required by the state of North Carolina where I reside. He refused to transfer me to a licensed representative and rudely hang up on me. 
I am asking for protection from Transworld Systems as their collection practices seem to be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: BMW Financial Services NA, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

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 2022-01-18
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2022 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: MI
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:
I am a Victim of the XXXX Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you 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 2023-05-04
Company: Greenberg, Grant & Richards Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXXXXXX XXXX XXXX picked up a pallet of freight from our bussines at XXXX verona XXXXthis freight was only picked up at our address, we never asked for this to be done .this was between one of our customers and a salvage yard.i 'm not sure who called for the pickup but it wasnt XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , thats our companys name.The bill of lading had our name as the shipper, we never made any contact for this freight to be picked up or shipped, we never signed any bill of lading.They the XXXX XXXX  kept billing us, we kept telling them it wasnt our bill.Now they are using a collection agent to go after us.Can you help us? The XXXX XXXX says they can't do anything about this mistake unlees i get one of the other parties to take on the shipping.Ive asked for proof of us ordering thier services, they sent me a copy of the bill of lading and we never signed for thier services.It seems that it's their mistake and they wont correct it.NEED HELP PLEASE.XXXX, XXXX XXXX  phone is XXXX # XXXXthey are using a collection firm in XXXX XXXX XXXX file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have a couple of credit cards with Chase, I had a good relationship with them. I was receiving business credit card offers from Chase often so I decided to apply for one of them since I already had one that had cash back rewards, this one was offering miles that I can use for traveling. I travel a lot for business purposes so that card suited me well. XX/XX/XXXX of 2019 I applied for the card and application was pending, after 3 business days I called customer service to find out application status and they were really rude and XXXX, did not answer any of my questions and just very rudely said we will notify you in 30 days. On XX/XX/XXXX I called to make a payment on my chase business credit card since payment was due on the XXXX, and I found out my account is closed. I contacted customer service to find out the reason, and they said whoever handles that department is closed for XXXX and will return on XX/XX/XXXX so they told me to call back. I called on the XXXX and I was transferred to that department and I asked what is the reason behind the closure to my accounts. They closed 3 of my chase accounts. 2 of them are personal and 1 of them is business. They said the reason why its closed is because you have a XXXX credit card which is linked to XXXX XXXX that has been closed due to non activity for a couple of years. Recently XXXX XXXX XXXX   closed my account as well due to no specific reason. So Chase said since those accounts are closed we decided to close your chase accounts as well. So as of now I had a feeling as if they were asking me what I wanted to do, I said I want you yo reopen my accounts, customer service said we cant open your accounts unless you speak with the supervisor, hes the only one that can reopen the accounts. I said ok and waited for the supervisor to call me. Morning of XX/XX/XXXX I received a call from the supervisor and she sounded from plain, rude, as if she didnt even care whats going on. She said we can not reopen your account and its final. I have nothing to say, all I can say is that they dont have the right to just close down my accounts without a legal reason.

Company response to consumer: Closed with explanation