BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I terminated a lease with an apartment company " XXXX XXXX XXXX' due to medical reasons following the guidelines of Nevada Revised Statute 118A.340 " Right of Tenant or Cotenant to Terminate Lease Due to Physical or Mental Disabilities or Death. I notified the apartment management company on XX/XX/XXXX, with a termination date of XX/XX/XXXX. I received no reply to this notice and continued with the move-out. On or about XX/XX/XXXX, I received a notice of collection from IQ Data Internation , Inc. at XXXX XXXX XXXX, XXXX, WA XXXX. 

On XX/XX/XXXX, I notified IQ Data Internation , Inc. via letter that the debt they were attempting to collect was erroneously transferred to them by " XXXX XXXX XXXX  '' as per State statute my lease contract with " XXXX XXXX XXXX' was legally terminated thus I did not own and monies to " XXXX XXXX XXXX'. 

As requested, I received no response from IQ Data Internation , Inc., and noticed a " DebtCollection '' entry on my XXXX Credit FReporton or about XX/XX/XXXX. I again responded to IQ Data International , Inc. requesting a favorable resolution to the credit report entry. To date, I have received NO correspondence from IQ Data International , Inc in regard to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I attempted to use XXXX to transfer my bill payment to my wife for {$330.00}, and I was using a new device to access my bank account. It prompted me with a confirmation request but did not state the user 's name like usual, and the payment was sent to the wrong person, whose phone number was XXXX digit off from my wife 's. Their number is XXXX, and my wife 's number is XXXX. My bank at capital one will not do anything to help me with this issue. I need the transaction reversed. I have reached out to XXXX as well, but I understand their policy is that all transactions are final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
According to USC 15 1681a ( 4 ) consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. Please remove this account from my credit report. I will exercise 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Please remove Chapter XXXX BK 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 2020-12-08
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:
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to Equifax  and XXXX  to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and Equifax  report, and if XXXX  and Equifax  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on Equifax. Additionally, Equifax is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on Sundays, its giving me XXXX and stress.

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 2021-09-23
Company: EQUIFAX, INC.
State: VA
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:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
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:
I entered into a settlement agreement with JP Morgan Chase through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,11,500, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with XXXX. There is a XXXX day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. JP Morgan Chase is reporting a balance of XXXX balance on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 we have requested that the escrow account attached to our mortgage in good standing be closed. 

Citizens bank quickly without writing denied the request not including the escrow waiver agreement via mailed documents. 

On XX/XX/2023 we appealed the denial and were told our mortgage needed to be paid at 80 % loan to value the mortgage is currently at 87 %. 

No where in the closing disclosure or legally binding agreement is this stated only that the bank may close the escrow account at anytime for any reason which was also a option at closing, the bank is in violation of misrepresentation, breach of contract and concealment of documents. 

Citizens bank also continues to hold a account without my consent which is against federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a payment to TD Retail Card Services ( Raymour & Flanigan ) on XX/XX/19 from my bank 's bill payer, this payment did not arrive to TD Retail Card Services until XX/XX/19, this payment was for XXXX. I mailed another payment to this company on XX/XX/19, it arrived on XX/XX/19, this was my XXXX payment. They called me to tell me my XXXX payment was not made and when I showed them that it had been, they stated they applied both payments to XXXX. I told them that this was incorrect and it needs to be applied to XXXX and then XXXX. I spoke with three different people who all stated this wasn't allowed and they refused to make the correction. The last person I spoke to, XXXX, ID XXXX, Customer Service Supervisor - XXXX, SC, told me that they would not reapply my payments and they are doing " nothing wrong ''. This is unacceptable that a credit card company won't apply the payments the way the Consumer stipulates, so they can ruin credit with an " over 30 day late '' notice on their credit report. A bank loan would not be allowed to do this, these payments have to be applied the way a Consumer stipulates. I need help getting my payments properly applied to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: CO
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:
XXXX, and Equifax reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

XXXX changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX Equifax left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 have an auto loan with Credit Acceptance a second chance finance company. I get harassing phone calls from them every month. They call the day after the loan is due and I tell them that I will pay this loan on the XXXX Friday of every month. Then the turn right back around and call me every day. I mean every day to ask what day I will be paying the loan and can I borrow the money from someone. That's disrespectful especially to someone whose told you what day the payment is going to be made on. Also, it's just plain old rude as heck. 
I have even asked if they could move my due date closer to the XXXX Friday of the month so I don't have to go thru this with them. Please help me get some relief from this creditor. I have never been harassed like this before. I pay my bills and I have a set order everyone gets paid in.

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 2020-01-28
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:
Equifax is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. XXXX  and XXXX  are reporting correctly a {$0.00} balance due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: The Shindler Law Firm
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received wage deduction summons from Shindler & Joyce Attorney at Law on a debt i am not aware of. I filed bankruptcy back in 2001 and since them i have never been able to obtain credit, i am soley cash person now. i never opened any accounts that were left unpaid. Shindler & Joyce Attorney at Law has not provided any documents to me about the debt or give me any information on the debt or even tried to contact me in any way at all. they went straight to garnishing my wages and i have no information as to why or how much. that is not right i have obligations to meet now i can not pay my rent!!!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NJ
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:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have contacted Capital One in regards to my quicksilver Mastercard where I make general purchases this company has used misleading tactics in an attempt to collect payment from the consumer when asked about when I make a payment will my utilization be updated and Im able to make purchases I was informed that I would not and my account had been closed. This company has continued to call me in regards to payment on the account but the finance charge on this account includes all charges. I have never received a disclosure of warning of account maybe closed but are still being charged interest fees and late payment fees on a closed account. 
I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by this company to neither XXXX XXXX XXXX, XXXX, XXXX ). 

Capital One did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Capital One is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I CEASE AND DESIST all communication with Capital One of all illegal activities, including reporting which constitutes collection activities. I also am exercising my rights to prevent the processing of my personal data by Capital One for the account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/ someone opened a fraudulent credit card from capital one from XXXX VA. I called capital one and had it shut down. I was then told by capital one I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. XXXX told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. Capital one informed me it can be removed from my credit history and XXXX keeps saying they can not remove it even though they have verified it was fraud with capital one.

Company response to consumer: Closed with explanation