BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Please see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX  statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the XXXX  month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.

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 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Capital One XXXX Rewards credit card on XX/XX/23 and got denied. According to 15 USC 1691 a consumer credit transaction explains the Equal Credit Opportunity Act. I have the right to credit. This prohibits creditors from discriminating against credit applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im have tried called calling capital one to find out if my personal information was affected by the security breach they experienced this year in XXXX and refuse to tell me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
The item I purchased was a carbon fiber splitter from custom creations. The item was returned due to being defective. The store custom creations closed shortly after. Custom creations never processed my return with Acima. Acima has placed a charge off on my credit every month for 3 years. Also the item that was placed on their purchase item was an intake. I have proof Ive never owned an intake also they didnt provide a description of the item, brand, price, type of vehicle. The store is closed and the FBI has been contacted, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have tried calling Transunion, XXXX, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a letter to XXXX/ transunion/ XXXX/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX  XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and 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 2023-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent many dispute letters to request to the reporting company to delete inquiries that was not authorized by me that i don't recognize them. but they did not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.

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 2022-03-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Cardinal Financial failed to pay our property taxes out of our escrow account for all of XXXX. Now the county is planning to auction our house in a tax sale if the taxes plus penalties are not paid. We have never been late with a payment and there is money in our account to cover the payment yet theyve taken no action. We learned of this situation when we received a letter from our county treasurer on XX/XX/XXXX alerting us to the issue and threatening the auction of our home in a tax sale. I contacted Cardinal Financial and our county treasurer on the day the letter was received. The treasurer was able to clarify the issue. We own 2 parcels. One parcel with our house and the adjacent parcel with no structures. Cardinal paid the taxes on adjacent parcel but not on the parcel with our house. When the treasurer clarified the issue, I called Cardinal Financial immediately to alert them. I did exactly as they asked sending another email with the letter from the county along with our loan number. At this point, Ive sent 4 emails notifying them of their error, creating a paper trail by the direction of their representatives to no avail. By federal law and their own disclosures they should have responded in writing within 5 business days but we heard nothing. Its now been more than a month. We call them every day and start from scratch rehashing the situation but no one with any knowledge or authority seems to know how to facilitate a resolution. Lots of empty promises. All talk and no action. We have been told by Cardinal Financial representatives that we should have received 2 separate checks for {$1000.00} due to the overage in our escrow account resulting from their error. But we havent received these checks. Our May statement shows a disbursement for that amount that left our escrow account but it never came to us as a payment. No similar disbursement came out in XXXX when those taxes were not paid. The amount owed including penalties is now {$2700.00} for XXXX. I am fearful because the next payment is due XX/XX/XXXX. I do not think we should be held responsible for the penalties or suffer an increase in payments to cover the escrow as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Commonwealth Financial Systems, 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: Account information incorrect

Complaint:
I noticed that Common Wealth Finance reported {$200.00} debt in my credit report and I asked them to remove it since I have always been covered with health insurance and never received a bill from anyone related to XXXX  XXXX. I asked them if they had proof of my debt to please send me details, they never did and again reported me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
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:
Since XX/XX/XXXX Rushmore loan management has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC report with an account and inquiries I did not authorize, please delete and also update my personal info

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 2023-07-28
Company: EQUIFAX, 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:
I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. The listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA. I urgently demand their immediate removal from my consumer report to rectify these violations and comply with the relevant laws. Please take prompt action to remove these accounts and information without delay. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
It's my last day to pay my rent in time. I like to pay my rent in person with my landlord so she can give me a written receipt. Due to work schedules her and I have been missing each other so we've decided let 's do XXXX that way we can have a virtual receipt. I tried to send the money via XXXX and it was denied saying I need to call the bank to verify me. When I called in one of the automated messages stated the bank will never call me to have me verify myself by having a code sent to my phone and asking for that code. So, I took that very seriously. The first guy I spoke to went through a verification process with me then he said he had to transfer me to security. I the go on hold. I was on hold so long I started joking around with my roommate and friend. One whom is XXXX  and the other is mixed. They both were making XXXX jokes to me then someone picked up the line. As I'm waiting in between the person on the phone to do whatever it is he is doing we are all still playing around. The guy then says he needs to verify me. I'm like okay cool. He then says he sent a code to my phone and I need to give it to him. I tell him there has to be another way to verify me because the automated system just said you guys wouldn't ask me for a code. He then goes on to say this is his job don't tell him how to do his job. First of all that's rude because it's my account with my funds and if there were no accounts there would be no job. The guy begins laughing and etc and I say hey I don't see what's funny. Anyways, my friend says something and I yelled out I'm sick of XXXX XXXX XXXX people. The guys goes on telling me I don't need to be XXXX etc and continues on being rude. Regardless to what I say he doesn't know who I'm speaking to. He's supposed to provide customer service. Now I have to pay a {$50.00} fee because they didn't want to do their job. I kept asking for a supervisor about XXXX times. The supervisor kept asking questions that the initial guy had already asked me. So, I'm confused because I was supposed to be transferred so he should have had all of information pulled up. I am highly upset right now. I was supposed to be in bed hours ago yet I'm up dealing with this nonsense. Something needs to be done and something needs to be done asap. For the record I never received a code. The supervisor just XXXX me off even more because he tried to act as if he was being professional but I know exactly how the field is as per Ive worked in the field myself for 12 years or so. XX/XX/2022 at XXXX is when the call was made. Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Someone else has used my credit they have bought cars and got loans her name is XXXX XXXX XXXX. I have contacted you guys about this and my case was closed. I would like for you to take this things off my credit report please.

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 2018-05-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted CFPB complaints to Experian on XX/XX/2022, XX/XX/2022, as well as a XXXX XXXX XXXX  Complaint on XX/XX/2022, and a FTC complaint on XX/XX/2022. I've also mailed numerous written disputes to Experian via certified mail, online via Experian 's website, and over the phone with Experian to no avail. On XX/XX/2022, Experian received and signed for a notice requesting the method of verification they used to reinvestigate my disputes, and I've yet to receive that information. Pursuant to 15 USC 1681 ( a ) ( 3 ), assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Experian permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian 's consume report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Experian hasn't exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, as well as the continuous reporting of unverified accounts on my consumer report. Experian has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Experian are also violations of the Gramm-Leach-Bliley Act, referenced by 15 USC 6801 and 15 USC 6802.

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 2023-04-24
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My dispute is with IQ data international ( collections company ). 
legit and original account starting with a debt of {$4900.00} from an apartment rent debt. 
this account was included in a program to consolidate debt with a company called XXXX XXXX XXXX, and payments started going to this account regularly. 
During a period of 6 years, a total amount to this date, XX/XX/XXXX  has been of exactly {$5300.00} made on monthly payments, so I am considering this account paid in full. 
We were trying to get in contact with this company for the last 3 months and no response has been made from them on what the balance of the account is, or if it has been paid already. 
we understand that some interests or surcharges are added to accounts like this, but at least we would like to know what our status is. 
please keep in mind that we have received in the past, proposals to pay in full the balance at 40 % or 50 % minus, if balance is paid in full. we never took advantage of this offers due to lack of founds. 
as of today XX/XX/XXXX  I have put a stop on the payments thru XXXX XXXX XXXXXXXX, until this situation clears. 
we appreciate the help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Transunion is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.

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 2023-01-05
Company: Waddell Serafino Geary Rechner Jenevein, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/2022 by WADDELL SERAFINO GEARY RECHNER JENEVIN stating that they were collecting an alleged debt. I then sent them a Validation of Debt letter which was received on XXXX XXXX giving them 10 days to respond to my demands or the alleged debt would be considered invalid. They did not respond in time and then sent letters dated XX/XX/2022, XXXX days after my time frame ended. These letters claimed to " validate '' the debt however, their claims and documents they provided did not validate any debt nor link it to me, the natural man, XXXX XXXX. Their letter included fraudulent statements about the identity of the original creditor. I requested any communication from them be sent in the form of an affidavit which it was not. I also requested a contract I signed with Them to contact me, as well as the original contract of the alleged debt with my wet ink signature, which they could provide neither. They threatened me with litigation and the possibility of paying fees and other costs. Their claims have no base and are harming me and my mental health. I have lost sleep due to this issue and request this Debt Collector to cease collection activities and remove my information from all of their accounts and records. I have since sent a notice of fault with an opportunity to cure which was received XX/XX/2022 and an affidavit of non response received on XX/XX/2022. I remain in honor. The documents attached were signed and notarized as needed. Attached are the raw documents from my computer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: First National Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls my phone number at least 10 times per day, including multiple text messages looking for another individual that I am not related to, familiar with, etc., and although I have told them various times to remove my phone number from their file and to never call or text again : they continue to do so. I have been telling them for the last two months that they have the wrong number : but the calls, texts, and harassment continues all times of the day and night, including weekends! The texts state their number is XXXX and the number of the company is First National Collection Bureau , Inc . They call from multiple numbers, as well as text from various phone numbers.

Company response to consumer: Closed with explanation