BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has been calling not only me, but several of it's customers threatening to take personal property, threatening to take them to court when no legal documents have been served and using abusive language, harassing family members and calling my place of employment after i told them not to. Much of this illegal behavior occurred during XXXX, XXXX and XXXX of 2018. However, I'm sure it has been going on for much longer than my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I reviewed my credit report and found items I do not recognize and I have not authorized.

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 2018-10-23
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I was out of the countries for 14 months while I was gone my chase freedom card along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from chase and saying I owe almost 11k I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Im filing a complaint against US Bank Leasing for increasing the dealer payoff of an automobile lease nearly {$6000.00} to a dealer where I was trading in my car. 
I had a consumer automobile closed-end lease through US Bank on a XXXX XXXX I purchased in XXXX. I have been working with XXXX XXXX XXXX to trade the car for a new XXXX XXXX to reduce my monthly payment. I still had 5 more payments left on the lease, so I called US Bank to get the amount of the payoff. It took several calls, but I finally got a payoff quote of {$25000.00} on XX/XX/XXXX. 
I went into XXXX XXXX XXXX on XX/XX/XXXX to sign the paperwork and purchase the new car. When the XXXX XXXX dealership called US Bank to get the exact amount, they were told that the payoff would be {$31000.00}. This was a shock to me and to the finance people at XXXX XXXX! The dealer called several other people in US Banks lease department and was told the same thing. US Bank said that the car was valuable, so they werent willing to let the lease be paid off for the {$25000.00} left owing on the lease. They admitted on the phone that they just wanted to make more money. 
I was stunned! I thought payoff amounts were regulated and required to be accurate. The agreement is a closed-end lease through a bank. US Bank is the lender and should have no right to inflate the payoff or retail a car unless it has been repossessed. 
To resolve the issue, US Bank told me I would have to pay off the loan myself and wait for them to send the title before I could trade in the car. Paying off the lease myself required me to borrow the {$25000.00} for several weeks until they sent the title. In addition, their payoff included {$1700.00} in Utah State sales tax which would not be included in a typical dealer trade in since Utah sales tax is included in the new car purchase. So now Im paying sales tax twice! 
I have never been late on a payment! And with all the current financial problems COVID 19 is causing, US Bank is intentionally increasing the cost of my new car which reduces the benefit of buying a less expensive car to reduce my monthly payment. Absolutely appalling! 
I am filing a formal complaint because US Banks practice of inflating lease payoffs to dealers should not be allowed under a closed-end lease agreement. If it is legal for them to do that, it certainly isnt ethical. They are in essence charging me either {$1700.00} extra in sales tax or {$6000.00} extra to the dealership where I am trading in the new car. 
There are 4 attachments : 1 ) Copy of the original lease, 2 ) Explanation of lease payoff request from the dealer, 3 ) Lease payoff form to dealer, 4 ) Lease payoff form 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 2020-10-13
Company: Experian Information Solutions Inc.
State: SC
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:
Experian posted inaccurate accounts on my credit report. 3 collections that were not correct. I provided Experian with bank statements showing payment on collections including the payoff of the account BEFORE it went into collections. They updated my file and then the next month reverted back to incorrect information. I have contacted the account and they said they turned it to collections and no longer have access to it. I do not understand why Experian is allowed to post inaccurate information with NO recourse. A consumer has no recourse but to just complain. Why is Experian not liable for false information. They should be required to vet all information prior to posting.

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 2021-08-07
Company: Experian Information Solutions Inc.
State: NC
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 already reached out to the credit bureaus for the following unauthorized Inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. In addition, Kindly delete this incorrect address ( XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, VA XXXX ) right away because this is not my address. 

Inaccurate Inquiries : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XXXX saying that the XXXX credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone. 

The is additional information on Filed Claim on XXXX and Claim number XXXX and no answer yet. 

However, discovered that VISA is BLACKING LISTING FOLKS AND THIS MIGHT BE THE REASON THAT CAPITAL ONE BANK denied me the credit card with excellent credit see attached. 
PDF " Social Credit Score Is In America : Visa Blacklisted My Business and My Family for Building Gab ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I first received notice by mail about nonpayment on the account some 69 days when past due, I am a cosigner on the loan, I called navient to try and get some answers as to why they took so long to notify me of the account being late, I spoke to some person named XXXX, with no satisfaction, I then asked to speak to a supervisor, I was placed on hold for approximately four minutes and the telephone went dead, I tried three time to reconnect but I received a message I could not dial the number listed, I am not trying to avoid my responsibility just the fact that they did not notify earlier so I could take a more corrective action, as a result of their poor business practice, my credit score has dropped well below my average, my reasoning for this action is I would like to have that late payment removed my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I went to XXXX to get my reports. I asked me to select which reports I wanted. I selected XXXX and Equifax. I was able to see my XXXX report and print it however it did not give the opportunity to see the Equifax report. I attempted to submit it again and it gave me an error message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I have spoken with XXXX  XXXX/XXXX  XXXX  and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit reporting agency letters every month since XX/XX/2020 to update my balance on my room place account but still has not been updated since XX/XX/2020. The balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I already have been waiting fifteen days to get a banking statements for the last eight months and have been with this financial institutions for the last three years? What I find remarkable to be a finanacila institution and not be able to furnish bank statements? I am very appalled and upset? Especially when you have double standards and certain special procedures? I was hopeing for the last three to four weeks if you can find out why American exspress debit credit card can not send a ( 6-8 ) months bank statements please? And if you are able? to find out please? I would appreciate an honest answer? Or possibly the report from there institution asap? sent to ; XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: EQUIFAX, INC.
State: WA
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:
Unverified information on my credit report Equifax and XXXX   I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to Equifax and XXXX 2nd letter was sent on XX/XX/18 to XXXX and to Equifax it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to Equifax and 3rd letter to XXXX was sent on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: FL
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:
pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that Equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/2018 and I received the same response. No proof, just a letter that stated as verified accurate. Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi, I'm not sure who to contact with this anymore, but I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations between the reporting between the major credit bureaus. 

XX/XX/XXXX - 30 days late? 
XX/XX/XXXX - 30/60 days late? 
XX/XX/XXXX - 30/60 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account is not mine, Identity theft/fraud alert. Amount is {$26000.00}.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, To whom it may concern : The following accounts below have been disputed with the major credit bureaus and the original creditors because the details attached to these accounts are incorrect and inconsistent between bureaus.

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 2018-10-23
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2014 the rental house I was living in was sold and I had to move. At that time I had an account with XXXX XXXX. I called them and explained that I was moving to a building that provided cable tv and they did not allow satellite dishs. I returned their equipment and thought the matter was settled. I now have a collections notice on my credit reports for {$360.00}. I C Systems is trying to collect an early termination fee for XXXX XXXX. I have explained the circumstances to I C Systems and disputed the charge with the credit bureaus. They will not remove this charge from 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 2018-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I had a auto loan with USAA for a new car. due to XXXX XXXX i defaulted in two payments in XX/XX/2015. i had since never missed a payment and completely paid the loan over two years ago. USAA is reporting this loan as being active so it still affects my credit report. i had for over a year tried to get them to stop doing it but they simply say they have to report everything, while this is a lie there is no law saying they have to. i have sent multiple notarized letters and made countless request for it to be fix i am still dealing with the same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EOS Holdings, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I received a bill via gmail from XXXX XXXX for a bill from five years ago in the amount of {$1400.00}. I contacted XXXX via the above address and their representative directed me to XXXX XXXX XXXX XXXX out of XXXX. 

XXXX confirmed that the account had been removed and I would have to contact EOS. I did and they are animate about me owing them {$1400.00}. 

I requested that the amount be verified, they could not do that. I asked them to send me via email all of the information on my file, they said they could only mail it to me. Their files show an amount of $ XXXXish from five years ago, but could not tell me why the bill is {$1400.00}. I am asking that this issue be investigated. 

Contact information for XXXX is XXXX you can speak with XXXX XXXX and XXXX XXXX XXXX XXXX or XXXX XXXX XXXX , XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Tel : XXXX XXXX XXXX and XXXX XXXX XXXX. People spoken to were XXXX and XXXX. I was told I would be speaking to XXXX but she was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called chase and requested a payoff amount so that I could close my Credit Card. I was advised by representative from chase that {$4400.00} was the amount needed to payoff my card and close it out. We sent the amount and on XX/XX/2018. This paid the balance and on XX/XX/2018 I received a check in the mail from Chase for {$100.00}. I was confused so I called. I was advised that this amount was sent back to me because we overpaid. I asked if the account was closed and the rep advised that it was. I assumed my account and dealings with chase were over. About a month later I received a bill in the mail saying I owed chase {$52.00}. I called and was advised this amount was interest charged to the account. I attempted to explain that chase sent me a check for {$100.00}. The representative advised that should not have happened. She advised me I would need to pay the interest or they would report it to my credit. I have attempted to resolve this issue with Chase. However they charge me {$15.00} fees every month that this mystery interest is not paid. I did my due diligence. I called and asked how much the payoff was. I called and asked what the check was for. I was advised the account was closed and now all of a sudden I owe them more interest. This is very deceptive and has damaged my credit report. We paid a large amount of interest to chase while the card was opened and now after i have closed the account with the information they gave me. They are advising I owe them more. If I owed them {$52.00} why did they send me {$100.00}?

Company response to consumer: Closed with monetary relief