BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XXXX/XXXX/XXXX  that an account and secured credit card was opened with Chime. I called immediately and spoke with a representative that stated i needed to make a complaint to proceed. Ive already made a police report back in XXXX regarding fraud with another Bank. I am a very secure person. I dont shop online. Ive done everything that is required to protect yet more things keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being considered a total loss. I had a vehicle service plan and GAP coverage through a 3rd party. Capital One received the refund for the service plan and applied this to the balance of the loan prior to receiving the payoff from my insurance company. On XX/XX/XXXX, XXXX, they sent me a letter indicating that the car was paid off. In this letter it indicates that if there were any of these policies that they would be working w/these insurance carriers to determine any refunds and that no action would be required on my part. 
I contacted the GAP provider on XX/XX/XXXX, to determine the status of my GAP refund. The rep w/that company advised me that I was due a refund of {$300.00} and that those funds had been sent to the finance company, Capital One, and that I should contact them to see about the status of my refund. I contacted them right after. Their IVR informed me that the loan was paid off and that the title had been released. I spoke w/a rep who told me that she could see notes in their system dated XX/XX/XXXX that their 'back office ' was working on the refund and that their turn around time is 35 days. She was unable to explain why it would take 35 days to issue the refund. I was then transferred to a resolution specialist who also was unable to explain why it would take that long other than to ensure that the status of the loan didn't change. I explained that the status of the loan wasn't able to be changed as the car was a total loss, the loan had been paid off and the title released. They have record of all of this.

I firmly believe that Capital One is holding these funds in an interest bearing account until the last moment so that they can collect money that is not due to them.

There are regulations in the mortgage industry in which a mortgage servicer has 15 calendar days to have a refund back into a borrower escrow account upon the cancellation of a lender placed insurance policy. There should be a similar requirement for an auto finance company to issue a refund in a timely manner. 35 days is anything but timely. Should I have not made my car payment for 35 days, I would have been assessed late fees and a negative report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acima This debt have been written or charged off I have requested a 1099c from each company To cancel debt by law I have written each company numerous of times my letters have gone unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, Experian, and XXXX but I have not had the issue corrected.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2018-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CONTACTED COMPANY WHO WAS COMPLETELY RUDE AND UNWILLING TO PROVE DEBT. THEY SAY I OWE XXXX AND ANOTHER AMOUNT OF XXXX. ON XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have filed disputes with Transunion to removed old accounts that date of last activity was 8 years old and they refuse to remove. 

XXXX XXXX XXXX  Date of last activity XX/XX/2011 XXXX/XXXX   Date of last activity XX/XX/2011 XXXX/XXXX Date of last activity XX/XX/2011 XXXX  XXXX XXXX Collection has been paid in full over a year ago XXXX XXXX XXXX Collection has been paid in full over a year ago

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 2021-01-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian : reports that I have bad credit and public records and 'too many inquire. 
In addition they will not raise my credit score.

They continue to keep my credit score low even through I have made all payments on time for the past 5 years to 7 yeARS

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 2017-12-18
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been trying to get the medical provider to resubmit claim to insurance they said they cant its gone to collections. My insurance company said the office coded it wrong and that they needed to code correctly and resend. i tried explaining this to the collection agency ( franklin collection ) but he said if i didnt pay then he would contact my employer. I told them not to as they do not have a judgment or any other legally obligatory note. The individual called them at XXXX XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Experian conduct an investigation on an account XXXX XXXX  which appears in my Experian Credit file. As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Experian did fail to complete and make timely notification of the results of this investigation as required by law. As of XX/XX/2023 Experian has not responded or provided notification that this investigation was completed which is past the 30 day period.

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 2019-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XX/XX/2016, a XXXX XXXX XXXX XXXX account was opened in my name, in the amount of {$470.00} This account is now with a 3rd party company, Portfolio Recovery. This is a fraudulent Acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: CarMax, 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: Reporting company used your report improperly

Complaint:
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I ask to stop contacting me and they continue to do so! I keep getting the spam phone calls everyday or every other day! I keep getting letters in the mail and they are also sending the letters to the wrong address when I have corrected the address on the XXXX XXXX website and ask not top send me anymore as we would get this debt paid as soon as we get the funds we are waiting for!! So I would greatly appreciate it if the letters and phone calls would stop! I see this being a harassing matter as we can not help our insurance sucks and dont help as much as we want it too! So please STOP contacting us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX is inserting the same account numerous times to my credit report as a harassment tactic. I have asked XXXX, as well as Equifax and XXXX to investigate these inaccuracies through certified mail on three attempts ; to no avail. Equifax shows the same XXXX account 3 times, while XXXX shows the XXXX account 2 times. I have tried to resolve this numerous times. I am being denied for credit because my credit report shows there are too many collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Capital One alerted me by text and email on XXXX XX/XX/XXXX of new checking account and permission to use my cell number. Separately, I emailed Capital One 's abuse reporting address to report fraud and received no response. 
On XXXX XX/XX/XXXX I received a debit card by mail. I called Capital One to report fraud and was told the account would be closed and an investigation started. On that and several follow-up phone calls I was told that a " victim letter '' would be sent to me to document the incident. 
Weeks later I received an account statement showing the account was closed XXXX XX/XX/XXXX. 
I would like to have the promised " victim letter '' and information on how this fraud was perpetrated. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I understand outrageous fee and interest these companies charge. Here 's my issue. Around 3 months ago XXXX borrowed {$600.00}. Fee. 700 % This is often a last resort for struggling individuals. I pay {$88.00} per week. Yes. Per week. 3 months on a {$600.00} loan. Asked payoff thinking balance has gone down. I would pay {$720.00} ... no payments have affected my balance..my end date if I pay per week will be XX/XX/2019. For a {$600.00} loan. Yes I know the interest charges. They say, well YOU AGREED But to owe more after paying over {$1000.00} so far. They should be ashamed. I know I am because I had no other choice. I'm embarrassed but desperate times make people ( me ) make bad financial decisions. Awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have written numerous letters to the This credit bureau about the method of verification. I have asked specifically for the information of who, and which company or clerks office has verified that I have XXXX bankruptcies on my credit report. The companies only respond with a general overview of there method of verification process, but refuse to answer the letters. 

XXXX. I dont want an overview of the method of verifcation, I want to know specifically a name and or organization that has verified that I have the public records. 
XXXX. I have included a written response from the Clerk that declares they have not verified any public information. 
XXXX. I have included a letter from XXXX showing that all of my public information has been suppressed. 

I have been refused the right to know how this public record has been verified on my according to the FCRA.

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 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 opened a Bank account with Bank of America about 2 years ago, shortly after opening this account I was the victim of theft of my iphone, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when Bank of America called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from XXXX on my consumer report. I followed all of the directions given to me by both Bank of America and XXXX. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both Bank of America by mail and to XXXX by Dispute. I have made at least 4 disputes to XXXX and I sent a XXXX dollar bill in the mail I sent to Bank of America with the police report they specifically requested for the removal of my name from XXXX. I called the risk department 2 months after mailing in to BOA and they claimed they never received my report and money. XXXX has also failed to send the information to BOA as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.

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 2021-05-27
Company: EQUIFAX, INC.
State: GA
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:
This account has been satisfied and it is a medical bill that should have never been reported on my credit report. It should be be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Nelnet, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my  credit score . I filed a dispute with the credit bureaus with documentation, but it has gone no where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Nationwide Recovery Systems, Ltd
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has the wrong person I would know if I went to the hospital, I have disputed and requested validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2018-04-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I found wrong negative information from XXXX  on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong 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 non-monetary relief