BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Exeter Finance repo this vehicle with my ex-wife. After being repo from her they stated that I will given a chances to keep the vehicle in 10 days. Exeter Finance violated the Fair Credit Reporting Act because they did not send a certified letter within 10 days of the vehicle being repo. I never received any documents on these vehicle sell date or auction date. I was never given a chances to buy back this vehicle or pay the past balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX PLACED FOR COLLECTION XX/XX/2019 OF BALANCE XXXX. WAS UPDATED AGAIN ON REPORT ON XX/XX/2019 WITH ORIGINAL AMOUNT BEING XXXX I DISPUTED BALANCE OF NOT OWING ANYTHING. MOVED OUT WHEN LEASE WAS OVER WITH NO BALANCES. OWNER WAS AWARE. COLLECTION COMPANY TOLD ME THAT DEBTOR PRESENTED INFORMATION STATING I OWED BUT NEVER PRESENTED IT TO ME AND TOLD ME THAT I MUST OWE BALANCE. NO LEGITIMATE REASON GIVEN AND NO PAPERWORK TO SUPPORT ARGUMENT ON THE DEBTOR BEHALF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 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 2020-10-13
Company: DISCOVER BANK
State: NY
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 account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Coastal Capital Processing, LLC
State: MA
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:
I file a dispute with XXXX, XXXX  and XXXX  and its has been well over 30 days and I havent receive any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: NH
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:
XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX  or XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
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:
There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had chase account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
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: Information belongs to someone else

Complaint:
There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had chase account and was never made aware that I am an authorized user. 
The account number on the credit report is 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 2018-06-25
Company: CONTRACT CALLERS 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:
Collection Agency : Contract Caller Inc.
Date reported opened : XX/XX/2018 This company is a third party collection agency for XXXX XXXX XXXX. This account was opened years ago however this company unfairly reported that this account was just opened 2 months ago. Usually a collection account will stay on my credit report for 7 years from the original date of delinquency. This company reported in accurate information. This was not the first collection agency taking over this debt. Is a company allowed to report the current date if they just acquired this account or are they support to report the original date?

At this rate, this collection will never clear my report if it keeps resetting every time this debt is purchased by a new collection agency. I need to know are my rights when it comes to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I SOLD MY XXXX XXXX XXXX XXXX XXXX COMPANY CALLED XXXX. XXXX  CONTACT WELLS FARGO TO ADVISED THEM, THE VEHCILE WAS PURCHASED FROM ME ANDT HEY REQUESTED THE PAYOFF AMOUNT. FULL PAYMNET WAS ISSUED TO WELLS FARGO ON THE XX/XX/XXXX. I ALSO PAID MY REGULAR PAYMENT ON XX/XX/XXXX BECAUSE THE FINAL CHECK FROM XXXX XXXX  HAD NO YET CELARED. IMADE APAYMENT OF XXXX, WHICH ONCE THEFULL PAYMENT HS CLEAR FROM XXXX, I WOULD BE OWED A REFUND OF THE OVER PAYMENT. THE CHECK FROM XXXX, CLEARED ON XX/XX/XXXX. WHEN I CALLED WELLS FARGO, I WAS TOLD THAT THEY WOULDNT ISSUEMY REFUND UNTIL WELL FARGO HAD RELEAED THE TITLE TO THE NEW OWNER, WHICH HAS ABSOLUTLY NOTHING TO DO WITH ME. WELLS FARGO INTENTINALLY HELD ON TO MY REFUND EVEN THOUGH THEY HAD FULL PAYMENT AND THE ACCOUNT CLOSED. I CALELD ON SATURDAY XX/XX/XXXX AND WAS TOLD THEY DIDINT KNOW WHERE OR IF I WAS GETTING A REFUND FOR MY OVERPAYMNET. THHATS WHEN MY ISSUED WAS ESCALTED TO THE EXECUTIVE OFFICE. XXXX XXXX. WAS ASSIGNED TO MY ISSUE. SHE CALLED ON XX/XX/XXXX TO INTRODUCE HERSELF AND SAID SHE WOULD LOOK INTOMY ISSUE. A FEW LATER SHE CALLED BACK AND ADVISED THAT HE REFUND PAYMENT WAS SENT BACK TO MY BACK ON XX/XX/XXXX. I SAID THATS IMPOSSIBLE CAUSE ON SATURDAY XX/XX/XXXX THE RESP RESENTIAVES WASNT EVEN SURE WHERE MY REFUND WAS. SO I TOLD HER OK, I GIVE IT TO FRIDAY XXXX/XXXX/XXXX. I CHECKED MY ACCOUNT WITH XXXX XXXX AND THEY ADVISED THEY DO NOT HAVE ANY PENDING PAYMNET FROM WELLS FARGO AND IT SHOULDNT TAKE MYRE THAN 2 OR 3 DAYS TO RECV A REFUNDED PAYMNET. I CALLED WELLS FARGO BACK, THEY ARE GIVEING ME THE RUNNING AROUNDTELLING ME TO CALL MY BANK AFTER I HAVE ALREADY CALLED THEM. NO WONDER WELLS FARGO HAS USCH A SORRY REP, BECASUE THEY TRY ANDGET OVER ON CUSTOMERS AND THEY WELL DOCUMENTED. I WANT MY XXXX BACK NOW!!

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 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have written to the cfpb in early XX/XX/2019 about Capitalone. On XX/XX/XXXX XXXX XXXX from the executive offices made contact with me offering little detail to the exact reason my account was terminated and replied its under investigation she will be in contact with me. She sends cfpb and myself the alleged findings but never made contact after by phone. She lied in her statement from top to bottom claiming that the consumer reporting agencies contacted her offices on an alleged FTC report I submitted claiming my account as XXXX. I have letters from all 3 of the reporting agencies stating that capitalone is the one whom made contact with them on 3 different dates removing the account from my credit report as XXXXXXXX   causing a XXXX alert to be placed on them. Her report also said I discussed I was not trying to salvage any possible way to keep the account in question and thats not true I begged pleaded with her and she was to follow up and never did. XXXX is very unprofessional she has never addressed this with concern for the consumer but as a way to cover their corrupt behavior. I have suffered hardship and XXXX   pain XXXX and XXXX. I have been deprived of my Act rights and also my anti trust is violated. I am intimidated by capitalone because it seems they can just get away with anything and little old me will just have to tolerate it. Prior to this horrific event I had no real complaints against them but this is beyond rediculous. Do they have some kinda immunity to be able to lie their way through and strip a US citizen of his/her rights by law and even morally. I emailed XXXX XXXX as well and he is to busy for poverty clients trying to undo his employees mistakes. I have tried up to date to mediate and I yet no one can offer that at capital one. XXXX report has her number extension and employee ID and why she refused to talk with me even after submitting it in writing claiming she would be willing to help any way she can. I have proof to provide in my accusations that her lies are just random information she had access to in order to make this whole event look bad on my behalf and Im sorry to say she just made themselves look more foolish. Lastly I was told I could file for a new account which I did and was denied for an past hour obligation being this account that she states Im not responsible for yet their system is the only place this account is reflecting still how convienent. Equal fair credit opportunities stripped from the little man here in the land of the free Good work capital one you should be ashamed of your self!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: URS Holding, LLC
State: IN
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:
On XX/XX/XXXX I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/XXXX XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX  XX/XX/XXXX proving I tried to dispute the account XXXX received and signed for the letter XX/XX/XXXX. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
OnXX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with Capital One Auto Finance to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter onXX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/18 proving I tried to dispute the account XXXX  received and signed for the letter XX/XX/18. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but Capital One is when XXXX XXXX XXXX bought the account. How is Capital One still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX the natural person have had my rights violated.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Equifax has been given its due process of 4 days to remove these fraudulent accounts from my consumer report.Law is Law there is no substitute for it. I need these accounts removed IMMEDIATELY as they have tarnished my reputation as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I closed all five of my credit cards with American Express on XX/XX/2018 at exactly XXXX PST. The Representative supervisor at American Express did not even read me disclosures to close the card. All 5 of my cards have {$0.00} balances. I closed the cards because American Express is very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: U.S. BANCORP
State: PA
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 had a credit card with Elan financial. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.

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 2021-04-27
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message from a close friend which who I had spoken to 2-3 hours prior requesting I send her money due to a family emergency. She requested I send her {$450.00} because her card wasnt working and she had to pay a friend named XXXX XXXX XXXX, ( XXXX ). She asked me to send it through Zelle or XXXX. I had sent the money through Zelle and minutes after received a call from my friend saying that her XXXX was hacked and not to send any money because they had just scammed her cousin {$700.00}. My friends phone number is XXXX which the scammer still has access too. I called my bank and they said they werent able to help me because the transaction completed, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AMEX XXXX There were several points in time over two years I considered harming myself over the behavior of this company. They pay off criminals, they don't care at all. 

Nothing will work. They want your money and nothing else. Every single department is a joke. 

They will not help you no matter what evidence you provide them. Their entire goal is to gather information to support their position, don't bother talking to them if you get scammed. Don't provide them any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: OH
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 reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 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 explanation
Consumer complaint received 2018-08-14
Company: JPL Recovery Solutions
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
JPL Recovery Solutions XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NY XXXX XXXX The company mentioned above contacted me at work on XX/XX/2018. I told XXXX ( the woman calling ) not to call me at work and I would call her back when I got off work. The very next day, XX/XX/2018, I receive a call from XXXX on my work phone. I told him that I told XXXX not to call me at work and hung up the phone. He called me back the same day right after hanging up the phone and said he could call me at work because I hang up before he could finish his sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity got stolen, and they opened the account from Capital one. I have been disputing and fighting for my case. Capital one said that I used my XXXX account to paid the debt. And I said whoever stole my identity opened it. They dont believe me. So I filed a XXXX  through XXXX. To proved that I did not open the account through Capital one.

Company response to consumer: Closed with explanation