BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second attempt at getting this alleged debt removed from my consumer report. 

I requested a debt validation letter in which you, Capital One, sent back a letter saying you allegedly verified my information. I am still waiting for a valid response on how exactly this was verified and by who. Additionally, I sent in an affidavit of truth, which still has gone unanswered and uncontested. 

Then today, XX/XX/2021, I received two large envelopes with stacks of pages of billing statements for an alleged debt you assume I owe. At this point, this level of harassment is false, deceptive, and unfair, and quite frankly, this is identity theft ; as I have stated, this alleged debt isn't mine. 

Providing me my address, social security number, and date of birth is not a form of validating my debt by law, and in your response to my first complaint here on the CFPB, XXXX XXXX ID XXXX ) you stated that Because the accounts were opened online, there is not a signed copy of an application to provide. So again, I ask, how is this alleged debt mine? 

I am a federally protected consumer, whos rights have been violated by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle through XXXX XXXX under the finance company of JP Morgan Chase Bank and when I went to XXXX XXXX to start auto payments I was redirected to Chase Bank to set up the account. I set up a password and user ID. Now, I have been locked out of the account and am unable to view any withdrawals. I have tried to contact Chase Bank with no response. When I try to change my password I am told that my account is not valid. I have talked with general management with XXXX XXXX and am told that there is nothing they can do, I have to talk to chase. Chase is withdrawing money from my account but it is not being applied to my car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 bought a car from XXXX XXXX back in XXXX 2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

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 2021-04-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have recently received repeated requests to have me open a Lowes. I knew I would be purchasing several building materials for upcoming projects and figured it would be financially advantageous to use the Lowes credit card. I applied online, and went through their prompted questions and answered every one. Even complied with their requests to take pictures both sides of my drivers license id and to upload them into their application program. In addition, I complied with their request to take a video of my face for identification purposes. I did this even though I was extremely concerned about complying with these last two items. 

Today, I received a cryptic email telling me that I received a response to my application. It told me to login to Synchrony Bank, whereby following their instruction, I learned that my application was denied " Unable to verify identity with information provided when you applied ''. It provided absolutely no opportunity to allowing me to correct any perceived errors or information. I called Lowes and they forwarded me to Synchrony Bank, and was repeatedly told my application was denied, and that there was nothing I could do. 

I am extremely upset that I allowed them to access my credit information, and have not been given an opportunity to cure and possible defects they believe to exist. I have taken great steps to ensure that my credit is as impeccable as it can be, and feel that Synchrony Bank has damaged my credit rating with this poor credit approval process and even worse customer service. I STRONGLY ENCOURAGE THE PUBLIC TO AVOID ANY INTERACTION WITH SYNCHRONY BANK for the above stated reasons. Furthermore, I would also suggest that consumers avoid submitting any credit applications to Lowes, as they were completely unresponsive to my concerns in this matter. PS. I tried repeatedly to print out the letter from Synchrony but was unable to print or save this document from their website!

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 2017-12-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since the events below, I have been able to obtain an income-based repayment plan ( that Navient habitually tries to talk me out of. They have, on numerous occasions, told me over the phone that if they did n't want to, they did n't have to let me on the IBRP ) The event ( s ) I am complaining about is in light of recent actions taken against Navient, and I wish to add my voice, as I have dealt with the exact problems mentioned by countless others before. 

When my loans first went into repayment ( XX/XX/XXXX ) I was unemployed and unable to make my initial payments. I contacted the lender for a resolution and was told time and time again that there were no other options available to me other than " borrow the money from your parents/grandparents/aunts and uncles. '' When I informed them this was not an option, the only path I was given was to use up my forbearance ( which was quickly maxed out after a few months. ) When collections came due after forbearance ( Late XX/XX/XXXX - current ), my situation was only slightly better and I had an entry-level role. My family was struck by the downturn ; Lost their house and their jobs and could not help support my payments. I only had an entry-level position and could not afford the full payments. I asked if there were steps I could take to release them from their obligation as cosigners just to be told no. 
My only option was again to " borrow from friends and relatives '' to make my monthly payment. When I was unable to make payments, I was turned over to collections and my credit was negatively impacted. This was the point I was finally " allowed '' to join an income-based repayment plan. 

Since then, I have maintained regular payments and have been able to improve my credit score. However, was made to suffer for 5 years unsure of whether or not I will ever be able to get a grasp on my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my daughters cell phone several times a day asking/looking for me and I do not know why. At this time my number is in working order and the company is in violation of the FDCPA by calling my daughter and asking for me by name several times daily despite having a telephone number for myself. I have no idea why they are calling me nor have I ever acknowledged any debt with this company. The harassment of my daughter needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a certified letter to TransUnion LLC to verify or delete three accounts that were present on my credit report according to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion LLC responded to me via mail and removed one account ( XXXX XXXX XXXX ) that was listed, one account ( XXXX XXXX   XXXX  ) was verified by a signed contract that was sent to me via mail, and the other account ( XXXX XXXX XXXX XXXX ) was listed as verified but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number two to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number three to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On  XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number four to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim.

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 2017-12-19
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:
On XX/XX/2017, XX/XX/2017, and on XX/XX/2017 disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

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 2020-11-18
Company: New Century Auto Sales, Inc.
State: OH
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:
My husband and I went to the original place we got 2 cars from to purchase another vehicle in XX/XX/XXXX. We specifically asked to go through the original creditor for the loan on a XXXX to XXXX vehicle. So far, my husband has 12 hard pulls on his credit and it's dropped his score 100 points. I have a total of 9 and it has dropped my credit score as well. These are all hard pulls and they are for XXXX vehicles and worth over XXXX. We both tried talking to the company but they said " they were just trying to get the best deal '' and when we reminded them that it was not agreed on they stated it was allowed to find the best deals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: V and H Portfolio
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX I used my card to get gas just before XXXX and was able to. Then later in the afternoon my direct deposit went in and suddenly when I checked my balance I was in overdraft XXXX. I messaged cashapp support and they told me they didnt see anything to dispute, no charges anything. My check was direct deposited again XX/XX/12 and still I am in overdraft. No one will help me. I know cashapp doesnt allow anyone to get to us XXXX they did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive multiple telephone calls from XXXX from ( by the accents ) an overseas call center. I believe the company from online searches is Allied Interstate. I can receive 4 or 5 calls in a day. 

The person they are searching for is an XXXX XXXX. I do not know this person, nor have I had anything to do with this person. 

The number they are calling has been my personal number for 17 years. My voice mail greeting now state the facts of who I am, and I do not know this person along with a request that they remove my number from their records.

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 2020-05-29
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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 status incorrect

Complaint:
I discovered upon checking my credit that my mortgage servicer ( XXXX XXXX XXXX has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.

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 2017-09-24
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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 recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: KY
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 asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report. 

I have been asking since XXXX of 2019 on more than 4 times! 

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items. 

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!! 
3. The date opened : XXXX is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate. 

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked GM directly to do so and for proof. 

They clearly like to play games and not abide by the law!

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: EQUIFAX, 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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA,  HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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