BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft, and I am not a credit repair agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: GA
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 am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given XXXX, Equifax, XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: WI
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:
On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I immediately recognized two new charges for {$150.00} and {$49.00} as fraudulent on Sunday XXXX XX/XX/2022. Capital one ( my credit card bank ) initially reversed the charges. About a week later a package arrived at our house. It contained XXXX bottles of non-FDA approved " nutritional supplements '' that neither my wife nor I ever ordered. Obviously these products were ordered with our stolen personal information including address and credit card number. The company then submitted the delivery verification as proof to win the fraud investigation. The problem is that neither my wife nor I ordered these products and they are not something we ever even would consider ordering. The company ( referenced not by name and only as a phone number on the return label ) will not accept the package for rreturn, telling me that because I disputed the charge they won't take the product back ( even though they got paid ). The supervisor at capital one admitted that no one really even knows who the merchant is because they use a third party credit card processor paynexio.com. XXXX has no interest in solving this because " the product was delivered to my house '' so under their rules it can't be fraud. To me, using my stolen info to order worthless pills and sticking me for {$200.00} is fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: AES/PHEAA
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:
my fed loan servicing account have always been in good standing because Ive had it on either burden forbearance or deferment since I finished school while I am attempting to find employment yet in 2016 prior to the deferment expiring I submitted and called and was assured fed loan received my renewal for debt burden forbearance/deferment but months later I noticed my credit report shows I was late in 2016 XXXX, XXXX and XXXX which I wasnt Ive never made a payment yet Ive always kept my account in good standing by filing the necessary documents to keep it in deferment Ive tried several time to fix this directly with the creditor FED LOAN SERVICING. My account says it all years Ill kept it in good standing with either burden forbearance or deferment theres no reason for me to let it go in bad standing especially if Ive never made a payment which thats the only reason someone account will become in bad standing logically not for not submitting free documents to keep account in good standing I WOULD LIKE THESE LATE PAYMENTS WHICH WERE REPORTED TO THE CREDIT BUREAUS DELETED AND CORRECTED AS NEVER LATE BECAUSE ITS THE TRUTH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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:
For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. XXXX XXXX has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received an email XX/XX/20 from some person by the name of XXXX XXXX, stating that after receiving this email there will be legal actions with a warrant out for my arrest and they will be picking me up from my home and taking me into custody. Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX am as per your State Standard Time I did try reaching out to this person by calling serval times and did leave a voicemail message but no luck or a return call I also email them and he finally responded back to me at XXXX with again stating with the amount I owe of {$980.00} and with 317.5 %, principal amount, attorney charges late penalty, paperwork and late fees. 
Kindly call on to settle this matter or provide your best number to reach you at as the issue at hand is extremely time sensitive. Your case file is getting merge to be downloaded right now then after it will be proceeded inside the court and you got ta find your self in a big legal mess by getting picked up from your home and work so before you face any kind of legal consequences i want to you to call me back and resolve this matter. I am waiting. 
This is part of the other email he sent to me and now there is 2 different phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was Involved. A finance charge is the sum of all charges in a consumer transaction. The finanace charge does not include cash, but XXXX XXXX of XXXX XXXX took cash. The finance charge is supposed to include insurance but XXXX XXXX of XXXX XXXX made me purchase my own insurance separately.

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 2019-10-09
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have found that Allied Business Services have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. 

In review, I have never signed a HIPPA form authorizing you ( allied business services ) to have access to any of my medical records, files or information. Therefore, I am advising you that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. 

I am also requesting that you remove any and all negative reporting of this matter to credit bureaus immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also am requesting in writing from Allied Business Services to provide me proof in document form that they cease any collection matters regarding this matter and erroneous reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ZIONS BANCORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019 I came into the Amegy bank branch to open a Business Credit Card, Checking, and Money Market account after being informed prior about a promotion for new customers. XXXX XXXX from the Branch collected my information and proceeded to open the accounts. All accounts were opened to my understanding and the credit card approved with a credit limit of {$5000.00}. 

On XX/XX/2019 after some issues with online banking and my credit card account not being shown online, I was informed that Amegy, at their sole discretion opened a Personal line credit card for me instead of the Business Credit Card that I had applied for. The banker who was assisting me informed me that in order to process a Business Credit Card application and ensure that I would be receiving the promotional bonus, that I will need to submit a Business Credit Card application via paper. After submitting a business credit card application via paper I was informed that the application was denied because my business did not meet the parameters set forth by Amegy to approve a business credit line. I was then informed that because the promotion was only for the business credit card and not the personal ( which I had used and fulfilled my obligations for in order to receive the promotional bonus that was advertised to me ), I would not be getting any of the promotional bonuses.

My issue now is that : - I have two credit inquiries on my credit report. One for a product that I did not apply for.

- I have a personal credit line account showing on my credit report which has adversely negatively affected my credit score and profile.

- I will not be receiving any of the promotional bonuses that were stated I was eligible for when opening my accounts.

Frankly, the application process should have stopped when the First Business Credit Card application was submitted. Amegy should NOT have opened a Personal Credit Card line for me at their sole discretion and instead denied my application as they did the second time that I was informed I had to apply. Amegy is stating that it is in within their rights and terms that they may evaluate me for personal credit card, when a business application has been submitted, but I have yet to receive where in the credit card application those terms are stated.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All XXXX credit bureaus have said that this is just how it is. There are now XXXX inquiries. Ally auto has been ran twice in 1 day. Three times in 1 day for 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was Transunion. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. Ally auto has been ran twice in 1 day. Three times in 1 day for 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 2017-12-30
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX and I am the resident and owner at XXXX XXXX XXXX, XXXX NH XXXX. I entered into a closed-end motor vehicle lease agreement with XXXX XXXX being located at XXXX XXXX XXXX in XXXX NH XXXX on XXXX XXXX XXXX. The deal number for the agreement being XXXX. The contract was amended by XXXX XXXX on para XXXX ( k ) such an amendment was not ratified by me. A representative of the XXXX XXXX ratified /amended the contract unilaterally without my knowledge and approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MI
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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 am filing this complaint against Equifax, XXXX, XXXX because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Account was paid by my grandfather. When he died, his brother took over the account as his beneficiary. He stopped the payments and closed the account without my knowledge. So why am Im receiving none payment on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: MI
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:
Called XXXX XXXX. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.

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 2020-11-28
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-02-14
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Each attempt to confirm how Caliber Home Loans is posting my monthly payments fails. I have paid all required payments, I have paid added principal, I have paid all late fees, and Caliber Home Loans emailed me a mortgage history that does not account for all of my payments. My monthly payments made via XXXX XXXX XXXX XXXX XXXX cashiers checks have been stolen by the US Post Office, and has been applied, if applied at all to a Caliber Home Loan other than my own. In XX/XX/2019 the US Post office claimed they mailed my cashiers check to the wrong state. XXXX XXXX XXXX XXXX XXXX issued me a replacement check, the lost check was never accounted for. In XX/XX/2019 I mailed a lump sum cashiers check paying three months in advance, I endorsed the back of this Security Plus XXXX XXXX XXXX XXXX check to include my property address. The bank stamped covering over my endorsement. XXXX XXXX XXXX XXXX XXXX accepted this questionable endorsement. Much Much more, will discuss as requested

Company response to consumer: Closed with explanation