BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: United PanAm Financial Corp.
State: NH
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:
My vehicle was repossessed on XX/XX/19 by XXXX, XXXX on behalf of XXXX XXXX XXXX. I was advised by the finance company AND the dealer of which my vehicle was purchased at, to withhold my payment due to the dangerous conditions of the vehicle they sold me. XXXX XXXX XXXX has refused to provide me with any information about XXXX, XXXX to get my personal property ( they already confirmed with me the recovery company received the personal property release form. ) XXXX, XXXX does not answer any phone calls and does not have an address or business hours online as to where my vehicle is so I can obtain my property. They are not willing to work with me to obtain my vehicle and are withholding my personal property which according to NH state law ( see link attached ) XXXX XXXX XXXX they can not take my vehicle if asked to leave it alone otherwise it is breach of peace. The recovery driver PULLED ME FROM MY VEHICLE WHILE IT WAS RUNNING. It also states I am allowed to remove my personal property which the driver did not allow me to do. After numerous attempts to work with XXXX XXXX XXXX, they told me I can not get my vehicle back and I should " learn how to pay my bills. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX/XXXX XXXX {$580.00} XXXX XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}

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 2017-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America, is holding funds from coming into my account so they are not available and debits payments. So that I am charged an overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/21 and XX/XX//21 I wrote into each bureau identifying inaccurate and misleading information appearing on my report. As stated previously after recent pulling my report I discovered items that I didnt recognize causing me to dig deeper. I discovered I was apart of the Equifax XXXX breach and now more than ever I feel my information XXXX have fallen into the wrong hands. It has been well over 60 days and I have not received a response. In doing my research I also discovered it is illegal for you not to respond within 45 days moreover it is illegal to report inaccurate/misleading information per FDCPA. Please remove these inaccurate items until you can verify these items. I hope this will be resolved sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have used XXXX XXXX to access my Equifax report. There are hard inquiries on my report that I wish to dispute with Equifax, but Equifax is not responding to my needs through the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
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: Account information incorrect

Complaint:
Experian is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

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 2019-08-27
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. 

Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. 

Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. 

XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX   company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. 

I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.

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 2020-06-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Over the past seven years I have had difficulty working with Experian on blocking fraudulent items. I have two police reports on file with Experian and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that Experian do not send did not attach police report to dispute .XXXX XXXX XXXX will return call in 24 hours per XXXX in fraud department XX/XX/20. 

Experian also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and Experian refused to update my credit score. 

Experian is asking for an extended police report. once again these are not new items on the credit report. Experian is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}

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 2019-01-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PenFed ( Pentagon Federal ) Credit Union keeps transferring money back from my checking account to my savings account so that every single time I do a bill pay, the check that is supposed to go to the payee ends up BOUNCING!

They are not ONLY defrauding me, but had been engaging in systematically harassing me through these fraudulent transactions where they bounce checks that I issue from my checking account through bill pay ON PURPOSE.

Before I do any bill pay, I MAKE SURE that I have enough money from my checking account to cover the amount of check I am writing.

As soon as I have issued a bill pay check from my check account, PenFed EITHER closes my checking account OR transfers the money back from my checking account to my savings account WITHOUT MY CONSENT AND KNOWLEDGE!

This has happened TWICE already, and they are doing this to force me to close my accounts with them, not to mention contributing to my unnecessary stress and greatly affecting my state of mind.

Thus, PenFed is committing fraud on my behalf by intentionally and knowingly making it look like I am bouncing checks when I AM NOT, not to mention cruelly and consistently harassing me.

They are also prolonging transactions on purpose so that they can control how long I keep my accounts open instead of me doing that!

There was also a time that one of the member representatives told us ( family member and I ) over the phone that we would have to go back to Texas to deal with this account in a satisfactory manner.

No travel to where the account was opened, no satisfactory resolution was what this PenFed employee indicated.

That sounds like EXTORTION using interstate communication 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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My balance with capital one was XXXX dollars in delinquent fees. I paid off the balance and it was updated to XXXX dollars. I am up this morning and my balance is now back to XXXX dollars. They are not paying attention in regards to their credit reporting and I demand it be taken off now. I have bank receipts and email receipts from capital one for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an accident and my insurance company paid off all my debt, TOYOTA MOTOR CREDIT is falsely reporting debt on my credit which is totally unconstitutional

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions.

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit experian report : XX/XX/2018, XX/XX/2018, XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am requesting that American Express honor the XXXX XXXX XXXX  sign up bonus for spending {$3000.00} in 3 months that was advertised when I signed up for this credit card. I spent over {$3000.00} in a month. I was told I was denied this sign up bonus due to opening and closing too many AMEX cards. That is absolutely incorrect as I only have 2 credit cards from American Express, both which are still active. I have credit cards from different issuers and use them depending on the situation ( travel card for travel expenses ). I have not and had no intention of closing these credit cards. I have spoken to representatives on the phone who said a " popup '' should have appeared when I applied for the card which would have told me I would not be eligible for this sign up bonus. A popup did NOT pop up stating so and if it did, I would not have submitted the application. This is a classic case of bait and switch and is false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX Diversified Consultants began illegally reporting an amount of {$59.00} on my XXXX, XXXX  and XXXX  which has severely impacted my credit. On XX/XX/XXXX I wrote Diversified Consultants and requested under FDCPA, 15 USC 1692g Sec.809 { b } for validation of the following information : 1. What was the amount owed for 2. Explain and show how they calculated the amount 3. Provide copies of documents that show I agreed to pay said amount 4. Provide verification or copy judgement if applicable 5. Identify creditor 6. Prove statute of limitations is not expired 7. proof of license to collect in the state of Arkansas 8. Provide license numbers and registered agent or agent of services. 
Diversified Consultants to this day has not provided any of the above requested information within the 30 days requested or required. 

I am writing this today on XX/XX/XXXX to bring attention to the unscrupulous collection protocol of Diversified Consultants. And to demand that the collection account # XXXX be permanently removed from my credit reports! 
Diversified Consultants has been given ample to time to comply. 
In the letter dated XX/XX/XXXX Diversified Consultants was instructed that all contact moving forward be in writing and to not call my place of business or home. Diversified Consultant violated that request on XX/XX/XXXX at XXXX XXXX  by calling me and requesting that I verify the last four digits of social security number and address. I politely stated that all contact has been requested to be in writing and I ended the call. 
I am demanding a cease and deceits of collections and reporting to any and all credit bureaus and that all collections by Diversified Consultants be removed from my credit files and reports immediately! 
Please see attached 6 documents of proof of all information communicated. 

Thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Atlanticus Services Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/XXXX I contacted XXXX  Credit Card ( a division of XXXXXXXX XXXX ) to update my address after receiving an E-mail promotion offering me another credit card ( since I had one already ). 

The promotions department told me I had to speak to Customer Service about my address before they could honor the promotion. I was told by Customer Service they do not do business in the State of XXXX and the promotional offer was rescinded ( and that is OK ). They told me they could not update my address from previous address in XXXX to my new address in XXXX since they do not conduct business in XXXX. 

Today, XX/XX/XXXX, I received a text from them telling me I am delinquent on a payment ( due yesterday ) and to call their office. I made the payment and addressed the address issue again. I was told the following. 

1. Can not update your address since we do not conduct business in XXXX. 
2. Can not generate you an electronic statement since we do not do business in XXXX. I mentioned the promotional offer and they said that was when I was living in XXXX  ( which is true ) but my E-mail address has not changed when I moved. 
3. Only suggestion they gave was find someone in XXXX to receive my mail for me. 

I am not denying I owe them money, I am not denying them payment. I have issue with I can not get a statement from them. I can not imagine I'm the only person in XXXX that has this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: MD
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:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. XXXX XXXXXXXX was shown as charge off this account was never a charge off it was just a closed account that needs to be removed been its been on my account past 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 2017-12-08
Company: Estate Information Services, LLC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Estate Information Services , LLC dba EIS Collections ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation