BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
AIDVANTAGE IS NOT PROVIFING ME MY MASTER PROMISSORY NOTE. I SPOKE WITH A REPRESENTATIVE FROM THEIR COMPANY TWO WEEKS AGO THEY STATED THEY WOULD EMAIL ME THE DOCUMENTS. 

I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt XXXX XXXX XXXX XXXX XXXX requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both AIDVANTAGE and XXXX XXXX send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

IF YOU CAN NOT SUPPLY THIS INFORMATION, I WILL BE FORCED TO FILE A CMPLAINT WITH THE SECURITIES AND EXCHANGE COMMISION IN WHICH YOU ARE GOVERNED. 

Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX BENEFICIARY Authorized Representative for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



STAMPED ( LAWFUL MONEY THAT GOES TO THE QUEEN ) AND ENDORSED STATEMENT WAS SENT TO THE INDENTURED TRUSTEE XXXX XXXX XXXX XXXX, XXXX. FOR CANCELLATION OF THE SAID DEBT AND REQUEST FOR PROPER TAX FILING BE MADE. 


THE US DEPARTMENT OF EDUCATION STATED IN FERPA THEY WOULD NOT SHARE ANY OF MY INFORMATION THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
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:
In 2015 I was approved for a car loan ; Credit acceptance the loaner. 
The car was a lemon and after two year of financial hardship, called the company to turn the car in and have no more payments. 
Owed on the loan {$2000.00} which I could not pay because of loss of job. 
Last payment made XX/XX/15 of {$220.00} The company is still reporting me thirty days late and now owing {$8700.00} Please help me, its ruined 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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus ( Trans Union, XXXX, XXXX, XXXX ) All are reporting inaccurate information on my credit report. I reached out to them to have this information verified and deleted. They responded that they verified the information, which they clearly DID NOT. The information they are reporting is incorrect.

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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital one Bank claims that I physically went to XXXX and physically gave them my debit card, and that I inserted my chip card into XXXX physical credit/debit card machine and purchased {$500.00} worth of merchandise. 

I did not do that, I did not purchase any thing from XXXX. Even more interesting Capital One claims that this is what their investigations found. 

I feel very uncomfortable at the fact that Capital one has my personal information, because for them to claim their investigators found that I went into a physical XXXX store and gave XXXX my credit card and used my chip to purchase is a lie, because there is no such thing as an XXXX store. 

I recorded the conversations so its clarified that Capital one continues to lie and has been charging my bank card and credit card for charges that I did not make, and what's more alarming is they've been doing so internally. Meaning capital one has been charging my cards for months. The first time this was done was was in 2020, they charged my card for {$600.00}, and I did not pursue it as I should have, but now I've been calling them and noticed its the same lie they tell.. 

The attached XXXX videos were recorded his morning, its of me speaking to two capital one reps, I've called multiple times and have spoken to very questionable people, who appear to be fraudsters or engaging in fraud, who claim to work for capital one bank. I've posted these on my XXXX XXXX Capital one recording with supervisor XXXX : XXXX : XXXX? XXXX Capital one recordings talking to capital one agent : XXXX : XXXX? XXXX Capital one recordings talking to XXXX XXXX agent part XXXX : XXXX : XXXX? XXXX & XXXX The recordings prove that Capital one is engaging in fraud, they never investigated anything and the problem is with their banking debit and their credit services. They are just making false stories up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX submitted a loan application to refinance house ( Just him on application ) to Wells Fargo. During application process he DID NOT provide banking information. Due to not do not bank with Wells Fargo, he banks with XXXX ( I bank with WF ).

Few weeks into the process, we get a request asking for my credit card statement because they went through my WF bank account and need to verify who is the person listed on this account. We did NOT authorize WF to review my bank account.

I have the a copy of the credit application, where the financial institution portion is blank.

At no time did we provide them with my banking information, nor did we provide consent to access my banking information.

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 2019-12-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX who identified himself as a team member for IQ Data. He said he was contacting me about a debt owed to my previous apt complex. During the call he stated to me that IQ Data would be charging me 12 % APR daily until I paid the amount. I attempted to explain it was a disputed amount and he then said he would not discuss the validity of the amount and that he would just send me to collections and ruin my credit. Both statements are in direct violation of both Federal and State law. 

Additionally, on XX/XX/XXXX I advised them not to contact me except to verify the date and that I am not to be contacted except during evening hours, I received another call from IQ Data on XX/XX/XXXX during the hours ( XXXX ) that I asked them not to call me, nor during the call would he discuss providing verification of the debt. After advising the rep of the time to call I was again called by IQ data XX/XX/XXXX after XXXX and before XXXX. 

Furthermore, I have never received a written statement from IQ Data detailing the debt or any of the other statutorily required written notifications. I pointed this out to XXXX during my XX/XX/XXXX call and he said they don't have to send anything in writing since the original debtor sent a bill. This too is in violation of Federal and State law that require written notification of a debt, not a phone call. Per the Fair Debt Collection Practices Act if I, the consumer, notify them that the debt is disputed they are to cease communications for 30 days and perform a re-investigation of the debt. After notifying them on XX/XX/XXXX of the dispute over the debt they continued to call I notified them on each subsequent call ( XX/XX/XXXX and XX/XX/XXXX ) that the amount was in dispute. 

I was forced to send a notice to IQ Data, and their Registered Agent, notifying them of the dispute and that they were in violation of Federal and State Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear sir, Yesterday, XX/XX/XXXX, I received an email to my XXXX address regarding my Chase Bank credit card. I have serious issue regarding your company credit card, that I was closed my original credit card ending XXXX on XX/XX/XXXX due to the illegal transactions as stated below, which I reported to reportfraud.ftc.gov : Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out 3 unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by XXXX, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by XXXX, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of XXXX XXXX, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and XXXX, were printed out. 

Of course, I expect all illegal transactions stated above will be invalid and refund all money {$200.00}, totaled from {$100.00}, {$89.00}, and {$10.00}. 

After checking my voicemails, I had decided to call back Chase to notify that I had received the call. Later, I had received a call from Chase customer service, either XXXX or XXXX to answer my call on XXXX. Curiously, the person, who had a private company extension number, called me with this probably regular customer service phone number, even though I called the chase bank number that was not customer service number. This customer service call was either at XXXX or XXXX. 
Later, XX/XX/XXXX, due to the notice from Chase bank to my email, I checked what stated on the website led by its link. And, today, after revisit of all procedure yesterday, I realized that the message on this website stated the issued card number as ending XXXX ; even though the closed card number should be ending XXXX. I enclose both email from the bank and this statement here. Also, I enclose the page of Statements and Documents including the credit card number ending XXXX, which link open or save connected with monthly statement. Because I wanted to check the illegal transactions made by credit card in concern, I made sure the existence of them. I realized one transaction, which I purchased by myself on XX/XX/XXXX was on process to delete/clear from the record ; even though other illegal transactions were stayed on the record. Also, even though I made claim on all this illegal usage of XXXX and XXXX transactions, they needed to be claimed again. Still, after several attempts to claim, they stayed as not claimed. I enclose the printout with orange highlight, and a record of XXXX transaction as a reference. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX XXXX Account AMERICAN HONDA XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX INQUIRY Unverified Account XXXX XXXX Unverified Account XXXX XXXX/HONDA OF XXXX XXXX Unverified Account XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a vehicle financed by Westlake financial. The vehicle was in a wreck ( not our fault ) on XX/XX/XXXX. It was not drivable and the police had it towed to XXXX XXXX in XXXX XXXX, La. It took XXXX weeks to get a police report so we could make a claim. XX/XX/XXXX we get a claims adjuster through our policy with progressive. XX/XX/XXXX we call XXXX XXXX  to release the vehicle. We were then informed the vehicle had been picked up by the lien holder! After numerous phone calls we find out where the vehicle is. We call them, XXXX XXXX, and told the vehicle had been picked up as a REPO! I didnt even have a payment due at the time. After HOURS AND DAYS of calls to Westlake and being hung up on more times than I can count, we finally get a release so progressive can get the vehicle to a collision center. XX/XX/XXXX the truck was deemed a total loss. XXXX then sends the info to Westlake to get a LOG to pay it off and we had {$1400.00} in repo charges! I have never in my life talked to people as rude as Westlake. Not XXXX person in XXXX speaking and the notes on our account seem to disappear and change based on each phone call. As my car was at the collision center, more than XXXX agent told us the car was in transit to an auction yard to be sold! I have spent more than XXXX hours a day multiple days trying to get a resolution to the illegal repo of my vehicle. Not XXXX person will even listen or understand. In order for my insurance to try to close this out, I paid the {$1400.00} in repo fees XX/XX/25.. Now we cant get anyone to send in an accurate payoff. This has been the biggest nightmare and is far from over. We have left numerous messages and have tried everything we know and it has been a dead end at every turn. They did advise that they could pickup and repo the vehicle with no notice to us and again this was not a non payment issue. They are claiming its an abandoned vehicle that was impounded. No..that is not at all what happened. Please help us in any way you can. This can not be legal and Im trying everything to not have to turn this over to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: VA
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: LA
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:
This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

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 2019-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Interactive Attn : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( TransUnion, XXXX, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( TransUnion, XXXX, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name

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 2023-09-27
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I've been a client @ Central Bank for over 20 years. A few years ago I noticed I was being charged a {$5.00} mo fee on a free checking account. I inquired about it & was told it was for XXXX XXXX. I tried canceling XXXX XXXX & stopped using it but continued being charged the fee. It took me a few months and many emails & phone calls to discover that I would continue being charged as long as I had any Payees listed on my account. I deleted everything & told them I do not want this service. I felt it was misleading & hard to opt out of. Well last month I noticed that fee has returned. I inquired & was told it was for XXXX XXXX & that I signed up for it 3 months ago. I never used the service again & there were no payees listed in my account. I did not sign up for that service. I can pay my bills free directly from the creditors website. That's what I was doing. They added this service without my knowledge & thought I would not notice the fee for months like the last time. This is a very deceptive practice.

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 monetary relief