BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: Southern Auto Finance Co
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Safco Acct XXXX is reporting on my credit report. 
Contact Number XXXX Purchase date XXXX XXXX XXXX Voluntarily surrendered the vehicle due to lemon car Voluntarily surrendered Vehicle call in on XXXX XXXX, XXXX to have the vehicle picked up. The vehicle was picked up on XXXX XXXX, XXXX. The vehicle was auctioned on XXXX XXXX, XXXX. I spoke to XXXX in the Deficiency Department on XXXX XXXX, XXXX. Per XXXX the information is accurate this vehicle is notated in their records as a voluntarily surrender and this vehicle was auctioned off on XXXX XXXX. XXXX contact is XXXX along with his coworker XXXX I Dispute with the credit bureau no actions were taking on behalf of Safco after disputing. 
I am asking that this be DELETED from all Credit bureaus. XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal piece of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.

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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks 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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of identity theft

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 2019-07-01
Company: Experian Information Solutions 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:
XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.

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 2019-05-16
Company: ERC
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: Problem with personal statement of dispute

Complaint:
I filed a dispute against the collections agency ERC, back in XX/XX/XXXX on an account that they're reporting on all three of my credit reports. The first complaint is that they did not respond to my dispute within 30 days, I didn't get a get a answer until XX/XX/XXXX. Also in my dispute request, I requested that they send me a copy of signed documents by me proving that this debt is indeed my debt, which is my right. However, they sent me a letter stating the debt is validated by a bill, and they sent me the copy of the bill. No signed agreement or document. This is my debt, and this is not a accurate form of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Plaza Services and XXXX I have no knowledge of this account have never been contacted by phone, mail or pigeon no account number or anything for this account to even know how or who to pay until I saw it pop up on my credit report. I sent a debt validation letter to this company dated XX/XX/19 certified return receipt which they received at XXXX XX/XX/19 in XXXX , GA XXXX Tracking number from USPS XXXX Delivered to front desk/Reception/Mail Room. To which they had 30 days per 15 U.S. Code 1692g - Validation of debts they must respond in 30 days with validation of debt. to this date I still have not received anything from this company. i also file a dispute with XXXX XXXX who claims that the debt is valid but no one has provided any validation of this debt or anyway for me to know who, when, why or how to pay said debt if it is mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX  AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # 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 2018-12-27
Company: AES/PHEAA
State: OH
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:
Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a chas XXXX Rewards card where I make full automatic monthly payment. On XX/XX/XXXX Chase bank flagged my account for not paying the the bill on timr. I am Not sure why my automatic payment go through. It is their systems fault for not processing right. The balance of {$100.00} did not go process and Chase flagged my account for late payment. Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BAM Management US Holdings Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I deposited {$500.00} only {$470.00} was available for trading. I was charged a {$22.00} for the deposit. This is the first time Binance.US charged has ever charged me for a XXXX deposit. There was no notification of a policy change. As a matter of fact, the {$22.00} appeared as a charged only recently. I am concerned this is retaliation for my prior complaint. On that same day, I bought XXXX of XXXX for a total of XXXX. On XX/XX/2021, I sold XXXX for a total of {$470.00}. I didn't check my account until about 10 days ago when I noticed my balance was {$120.00} instead of {$470.00}. Immediately, I attempted to transfer my XXXX  out of the account. I received an error message : Withdrawals suspended due to risk management. I opened a ticket and Binance.US have yet to respond. I believe Binance.US is retaliating against me for my last complaint. Their unauthorized transactions without communication is alarming. They seem to invent charges to explain the unauthorized transactions. They are engaging in fraud and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company has changed. New American Funding is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX  effective XX/XX/2019. New American Funding ( NAF ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX  XXXX ( XXXX ) and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by New American Funding does not work. I called NAF and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Took Car Loan from Wilshire Consumer Credit. XX/XX/XXXX. I was sometimes late but all loan payments made up to XX/XX/XXXX. Due the travel to abroad XXXX Check has been NSF. 
Without any letter or call Car has been Seized on XX/XX/XXXX at XXXX. 
Received letter on XX/XX/XXXX but letter wrote on XX/XX/XXXX and Mailed on XX/XX/XXXX received on XX/XX/XXXX. 
Try to spoke with them on XX/XX/XXXX and explain the letter date, mailing date and receiving date and request Seizure fee back and not received. 
As XX/XX/XXXX loan has been paid in Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: OH
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 not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit AcXXXX. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A fraudulent Chime account was opened using a variant of my email address on XXXX XXXX at XXXX XXXX. The account was accessed via XXXX device in XXXX Florida. XXXX will route all variant email messages back to the parent email address as long as the spelling is the same ( ex : parent email is XXXX. Any variation of that email ( XXXX, XXXX XXXX XXXX, XXXX ) will be routed back to the original email ). I had an account opened using a variant and I have tried several times to contact Chime via telephone ( they use an automated service that does not allow you to close an account ) with no success. I have emailed their customer support email and am given the option to download the Chime App to use the chat feature ( which I cant because I cant access the fraudulent account to be able to chat, or to contact them again from the email associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my second complaint on KANSAS COUNSELORS INC. with CFPB Case ( XXXX-XXXX ) I stated that this was not my debt and it was reporting inaccurate on my report. Kansas Counselors Inc. reported that I owe a balance of {$810.00} on this account I made contact with the reporting credit bureaus as well as the collection agency KCI ( documents are in previous case above ) as a stall tactic in order to report/collect a debt Kansas Counselors Inc. reported that I made a payment of {$120.00} which brings me to a remaining balance of {$690.00} reporting on my report after I filed a complaint with CFPB stating that this was incorrect information. I followed all the steps in contacting the collection agency as well as the credit bureaus in order to correct invalid/false information as I stated in the last compliant. 
In attempt to get this matter taken care I made contact by mail ( XXXX ) and received a bill that has a list of items on it that with prices next it at the top is say balance due {$0.00} above that it has me owing XXXX none of it add up or makes sense. I ask that you investigate this matter as well as get information from my insurance provider. 
Kansas Counselors is violation of several acts they are reporting information that you know to be inaccurate. Failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
OnXX/XX/XXXX I was contacted by my neighbor and told that Pioneer Credit Recovery inc. had called their home repeatedly asking for a particular person that had lived at my address, they had also contacted 2 other neighbors in the past few months. Although the neighbors stated they did n't know the person they kept calling. I was given the information so I called to tell them to stop harrassing my neighbors. I Spoke with XXXX who was very curt and a little rude ; she was implying that I was said individual, asking for personal information and was interrogating me like I was lying or a criminal. I told her they were in violation of the FDCPA act and she said they were n't and could call whomever they liked to get answers to their questions. I let her know I would be reporting them to various organizations and she said I could call whoever I wished and it did n't matter. I told her to stop harassing my neighbors and she stated she would remove said address and numbers. Later that day I spoke with Manager XXXX who used the same strong armed, interrogation tactics as XXXX basically said they could call whomever they like, that they were n't violating anyone 's privacy or the FDCPA and neither of them told me I could file a cease and desist complaint with them directly, I was informed of this by another agent named XXXX who I spoke with before XXXX. XXXX had not removed the information as stated and while XXXX claims he did remove the information and the calls would stop ; I do n't have faith in their honesty. I 'm hoping they will no longer bother anyone Again. Their number is 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 2019-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one only increase APR but didnt now Lower it.  Only lower the APR as promotion for several months. However they lower your APR if you apply for a new credit card. Is like the force the customer to apply for a new product in order to upgrade you apr.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This concerns a Fortiva Credit card issued by the XXXX XXXX XXXX. 

I was about 4 days late with a payment that was subsequently made. While my payment was processing, I received a notice from XXXX XXXX that the account was closed to further purchases. Fortiva gave me no warning they were going to take this action, either on their website, via e-mail, or by mail. 

I received a letter today (XX/XX/2019) dated XX/XX/2019 that stated my account was being closed since it was over the credit limit. The reason it was over the limit was Fortiva 's own annual fees, which I was again given no warning or notice about. 

I am protesting the action taken by Fortiva to close this line of credit. I believe it was discriminatory based upon my address in XXXX and as such is a form of illegal XXXX discrimination and redlining based upon my address. I demand that the line should be reopened and that Fortiva should send a letter of apology. I have also since sent them two payments on this card, both of which have gone through. If Fortiva will not reverse this decision, I intend to file a full Civil Rights complaint against Fortiva.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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: Account status incorrect

Complaint:
I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX 2014. XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

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