BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-19
Company: Midwest Recovery Systems
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX SOLD MY DEBT TO XXXX XXXX XXXX, TO WHOM SOLD TO XXXX AND FINALLY MIDWEST RECOVERY SYSTEMS, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was behind on my payments and went on line for help. They said I had to write to them for payment help due to hours cut from COVID19.  I wrote on XX/XX/XXXXand made one payment. I told them about the rules from the Arizona Attorney General which advised all vehicle loan financiers to waive payments for 90 days and extend to put on the end of the contract with no additional interest, due to financial problems from the Coronavirus shutdowns in Arizona. 

They did not respond to me But repossessed car in XX/XX/XXXX without any notifications. I made numerous calls and spoke to many people trying to get my car released. I spoke to manager of reinstatements, customer care department. I send documents to them which they said they would send to the legal department. They set up a case and promised they would have it reviewed by legal, but never did. they also set up a customer care case and promised a response in 3 days and never got back to me, case # XXXX, all on XX/XX/XXXX and as of today, XX/XX/XXXX, not a word back from them.

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 2023-09-02
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In XX/XX/XXXX I received an email notifying me that a Home Depot credit card was open under my name. My wife and I called Home Depot credit card services on XX/XX/XXXX to report the account as fraudulent. We were assured that the account would be closed and reported to the credit bureaus as a fraudulent account. Then in XX/XX/XXXX I saw that the account was still listed as open on my credit report, so I called Home Depot credit card services again on XX/XX/XXXX to request again that the account be closed and reported to the credit bureaus as fraudulent. We were assured again that they would do as requested and would send us a confirmation through email. We never heard anything back and the account is still listed as an open account, although on XX/XX/XXXX the status was changed to be under " payment as agreed ''. We called Home Depot credit card services again on XX/XX/XXXX and received conflicting information about whether the account was closed or still under investigation ( consumer protection department rep. XXXX ). Throughout the whole process we have been told that they do not provide customer service representative ID numbers or any written confirmation of our phone conversations for the purpose of documenting these conversations.

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 2020-12-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX lowered my available credit from {$10000.00} to {$1000.00}. I have never missed a payment. I had a XXXX balance on the card when they did it. My household income has not changed. After they lowered my available balance my credit score dropped about 50 points. A few months later On XX/XX/2020 Chase Bank lowered the available balance on my Slate card from {$11000.00} to {$500.00}. They also lowered my Freedom card from {$20000.00} available credit to {$500.00}!!! Again I've never missed a payment on any Chase card. I had a XXXX balance on both cards and my household income has not changed. By next month my credit score will be in the basement. I always use my credit responsibly. I always make my payments. Furthermore I was not notified by either company ahead of time. I was given no notice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C. Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But XXXX and Transunion wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX   followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.

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 2023-02-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XXXX XXXX, 2022/ this 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 explanation
Consumer complaint received 2016-03-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for XXXX modifications on my loan and I have not received a response back in writing for either request. I have spoken with a manger who could not understand how my payments have been applied to my account. He also spoke of a {$5.00} a day penalty late charge that I have never heard of. XXXX was to research my payment history as well as the type of loan that has been enforce since Nationstar Mortgage took over and call me on XXXX/XXXX/16. I have not heard anything back from the manger XXXX as of today XXXX/XXXX/16. I called this morning and was told by customer service that XXXX was not available. The representative asked me if she could give me his extension and transfer me to his line and I asked for XXXX last name. At that time she asked me to hold and proceeded to transfer me to XXXX XXXX who is my account repersentive. I have sent {$1000.00} for the past two months and ready to send another {$1000.00} without any satisfaction from this company. My balance has not moved since they bought my account from XXXX XXXX XXXX. They are the worst company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2016-03-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We closed a re-finance loan XX/XX/XXXX. We pay our own property taxes and informed the lender and the lawyer. The closing documents showed that property taxes were held by the closing office, even though we submitted proof that we had paid the taxes XX/XX/XXXX. We were told not to worry that the {$790.00} held by the closing office would be disbursed to us when our money was released. That did not occur. I attempted to contact the law firm, but they never responded. I contacted the mortgage company. They responded, but did not have the authority, I believe, to correct the situation. At this point, it would be nice to recoup the money improperly withheld by the law firm, but I am lodging the complaint to make people aware and to check the numbers as the monies are disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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: Information belongs to someone else

Complaint:
First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my Transunion accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX, 2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3900.00}

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 2021-09-01
Company: Aspen National Financial, 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:
A collection agency named Aspen National Collections recently started reporting a {$1700.00} debt on my credit report from XXXX XXXX XXXX XXXX. I have repeatedly asked the collection agency why they did not contact me about this account before reporting it, but they told me that they don't have to. I am fairly certain that this is a violation of collection laws. 

If they had notified me first, I would have certainly disputed it. Because I do not have a debt owed to XXXX XXXX XXXX XXXX. 

Also, I've even gone as far as asking Aspen National to send me something that proves that I have a debt with XXXX XXXX XXXX XXXX, but they just dismiss me and say they don't have to do that either. 

The only response I've gotten from Aspen National reps about this transgression is that i should dispute the account at XXXX XXXX if I feel it is inaccurate. I have done that, but Aspen keeps telling XXXX XXXX that its legitimate. So I don't really see where that's helping the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXXXXXX XXXX*** , XXXX XXXX**** and 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 2021-05-07
Company: EQUIFAX, INC.
State: TN
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 all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They logged me out and wont let me into my account it was SUPPOSE to be money deposit to a account that I don't have a card to so I tried to get my money transferred but now it's not NOTHING there and my account is LOCKED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Despite several disputes to the credit reporting agencies, XXXX XXXX continues to report an account that should have removed years ago. The entry- under account number XXXX- was opened on XX/XX/XXXX and subsequently closed on XX/XX/XXXX. While the account was closed in a negative status, it should have been removed almost XXXX year ago. My complaints have fallen on deaf ears.

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 2019-10-26
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : 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 2020-11-11
Company: RGS Financial, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One Credit card scam. 
I had Capital One - VISA credit card, for about 10 years, with the same address and phone number, I accumulated over XXXX XXXX credit rewards and I indicated last year to the customer service representative that I am interested in redeeming them but the Epidemic changed the plan. 
To my surprise my card was declined in earlyXX/XX/2021, and when I called the capital one I was told that there was fraud involved - they did not elaborate what - and that the account was restricted, and when I asked about the rewards they said that they are off limit until the fraud - investigation - is complete, when asked how to lift the restrictions I was asked to send my driver license 2 faces, social security card and proof of residence. suspicious of these demands I decilned and offered to take these documents to one of there Local Branches and show it to a customer service person, but they declined, to tell the truth credit card companies are the target of hackers all the time and i do not trust them with these Documents. 
they still send me e-mails and bills to my address, and today I called and asked to fix the matter but i went no where, and when i demanded that my cash reward be mailed to me in a check they declined too. 
Now I do not care about the card - I have others - but I firmly believe that they created all this problems to scam their customers out of their Sky miles and cash rewards because what will prevent them from just simply give me a credit with my rewards there has to be a law against their unreasonable requests of sensitive Documents and denial of the rewards that the customer is entitled to receive and if they did this to me i think they do it to others

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: EQUIFAX, INC.
State: NV
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:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Atlanticus Services Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I responded to a credit card offer I received in the mail form aspire and applied online. I received a response via email on XX/XX/21 saying I was approved for in the amount {$XXXX} and added my wife as a authorized user and I should receive my cards in the mail with in XXXX weeks. I never received the cards but I did received an email alert saying my cards had been activated on XX/XX/21 at XXXX a.m I called the credit card company on XX/XX/21 to let them know I never received the credit cards and asked how the card where activated. I was told they activated via phone and they used my zip code and my Social Security number to get activated. At this point I had to go file a police report and they advice me to file a report with your agency as my personal information was in jeopardy and the Fraudulent Charge Affidavit document they provided me with didn't seam to be legitimate. In the document they are asking for a copy of my driver license and my social security number which I don't feel comfortable providing. This information was already provided to them and they should have in on file. I'm not sure if this company is legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX  XXXX  opened XX/XX/22. I called the associated financial institution on XX/XX/22 about it, advising it as fraud. They closed the account. 
When I called XXXX to report the card ( which is showing on my credit report ), the XXXX Fraud Customer Service Agent said I needed to file a fraud dispute with the FTC. But the FTC website directed me here.

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 2019-01-19
Company: EQUIFAX, INC.
State: IN
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:
This account has been verified re-verified as accurate in XXXX and XXXX. The reporting clearly shows its not.

Company response to consumer: Closed with explanation