BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Vehicle lease was paid off and vehicle was purchased. Payment was sent in priority mail. Check was stamped by Chase Auto on XX/XX/XXXX. I contacted Chase and they could not locate check. After waiting another 10 days, check was deposited by Chase. I was promised that the title would be sent within 2 business days. As of the mail today, XX/XX/XXXX, still have not received a title or vill of sale. Chase will not provide any proof that title or bill of sale was sent. Chase claims title was sent on XX/XX/XXXX but will not provide any proof. Chase says have to wait an additional 30 days to get another title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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:
I have 2 accounts on my report I have consistently tried to fix on several different occasions. There is one with XXXX and also one with XXXX XXXX credit card. I have gone in to both locations, showed my ID, I have spoken to managers, I have disputed online, and NOTHING has been fixed or done. Both of these accounts are large amounts, and I don't know where they came from. The XXXX XXXX account the person was actually paying on! Then all of a sudden they went AWOL and stopped. The XXXX account hasn't been paid at all from the time they opened the account. I have been fighting these for years. At this point I don't know what to do anymore. I just want my account fixed. XXXX XXXX also tried on 2 different occasions to submit their wrong doing, but it has yet to be fixed as well by creditors. I had a deferred payment XX/XX/2019 where I submitted all my paperwork on time, and their finance dept didn't submit it on their end. It's in the notes with XXXX they submitted on their behalf to fix the problem, but the creditors keep denying it.

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 2020-05-01
Company: CITIBANK, N.A.
State: MI
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:
Brandsource Citi/CBNA appears on my credit report showing that an amount is due and owing of $ 4700+ yet no one, via any number, at XXXX XXXX Brandsource, or any other such company is able to find any such account nor receive any form of payment to rectify this negative account on my credit report. I have disputed this account twice and each time the same information is upheld. On the second dispute XXXX  simply used the same information from the previous dispute and never reattempted a resolution.

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 2018-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX, I lost my job for more than 6 months with a young child, which caused my previous car to be repossessed. Therefore, when I got a job, it was far and I had to settle for a second chance auto loan lender, Credit Acceptance. I was told that I would be able to refinance the car to lower the interest rate but this never happened. No lender would refinance my vehicle because it has negative equity. I have had my car appraised, and it was estimated at being worth {$3500.00}, with me owing Credit Acceptance roughly {$14000.00}. No auto loan lender will refinance my current loan nor allow for a trade in with such a high loan balance. Essentially, i am stuck in this loan with a car that is fallen to pieces. The car does not shift gears properly without me using a screw driver, I am having transmission issues which have caused me roughly $ 2K to date, every time I have paid for my car door to be fixed it breaks again so I have roll down my window to open the door from the outside. My monthly payment is {$540.00} on this XXXX XXXX XXXX. I have asked Credit Acceptance to lower my interest to rate or lower my buyout so another auto lender can approve me to get another car and so that my roll over amount is lower. I have gone to 5 dealerships who have stated I am stuck in this loan and they can only assist me if my outstanding loan amount was roughly 50 % less. I think it is beyond ridiculous that second chance auto lenders are taking advantage of consumers who fall on rough times, where they have no programs to reduce interests or car appraisal for extreme cases such as myself. Additionally, they have poor customer service, where their customer service reps are beyond disrespectful and they call constantly when you have already agreed to a payment plan with another rep. I have also asked to speak to their legal department to try to come to a conclusion and they never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Name : XXXX XXXX Last 4 of credit card : XXXX To Capital One : In early XX/XX/2020, I had a fraudulent charge on my Capital One Credit Card for {$1400.00}. This was an unauthorized XXXX purchase through a third part company, XXXX. The purchase I later found out was for a : XXXX XXXX VR Ready Gaming Laptop, XXXX '' XXXX XXXX, XXXX XXXX XXXX Octa-Core up to XXXX GHz, XXXX XXXX XXXX, XXXX XXXX, XXXX SSD, XXXX XXXX XXXX, XXXX XXXX : XXXX. 
As soon as I became aware of this fraudulent purchase I contacted XXXX as well as Capital One. XXXX shut down my account, and also advised me that they already flagged my account for fraud due to two attempts to purchase other laptops. Unfortunately, XXXX allowed the third attempt. I received credit to my Capital One account pretty right away and I THOUGHT everything was taken care of. However, weeks had passed and I received the product. XXXX failed to stop the shipment and somehow it was redirected to me using my true address. I Immediately contacted XXXX to advise them of their error. The agent was very clearher exact words were you can keep the item, we can not take it back. I thought nothing of that until Capital One took back my credit and again charged my credit card. So I again contacted XXXX and Capital One. I believe Capital One filed another claim. I am learning that XXXX disputed the claim siting the item was delivered to the address on file which also matched Capital One recordswhich is true. Which I already advised. This does not make the charge any less FRAUD. 
I also received an email from XXXX stating the item could be donated. That it did not need to be returned. I received two letters stating that. 
Bottom line, I dont really understand the lack of care and attention to this matter. Neither XXXX or Capital One has been able to resolve this matter for me and its an extreme hardship for me. I did not make this purchase. Plain. And. Simple. 

XXXX claims they already paid Capital One so they have no idea why Im not receiving my money back. Capital One denies that and just tells me they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: NC
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 found out that there has been fraudulent activity with my credit. I have been trying to contact Experian to report it. I call the number on the website but non of the menu options lead to a live person. 

I tried the online system but I keep getting caught in a loop where I am asked to input information to verify my identity only to have login information sent to an XXXX address that is not mine. I believe that they have an old or possible fraudulent email address on file. I need to get to a live agent.

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 2019-11-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid in full in XX/XX/2019 the account in Collection with LVNV Funding regarding XXXX XXXX XXXX  Credit Card. The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TD Bank is insisting on requiring an in house appraisal inspection. AQll we are doing is trying to convert an existing HELOC into a 30 year fixed rate. All the credit stuff is done and approved. It is all about the appraisal conditions. 

We do not want anyone to come into our home right now and we have offered to take any pictures they want, allow the appraiser to look around outside and look into any windows that they want, plus we would be happy to provide copies of all plans, COs and related document etc., just dont come in. Since they were good with the previous appraisal only about 1.5 years ago when we took out the HELOC we fail to see why we need to risk our health, and maybe our lives to accomplish this, again? 

TD Bank is being unreasonable and unresponsive. We have been long time customers of TD Bank dating back to when they took over the local XXXX XXXX  ; so at least since before 2007. They already took the money for this appraisal! TD Bank is dragging their feet on getting me a response, too. We would just go to another loan service and start again but they have me over a barrel. I cant close this HELOC for about another year under their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Experian. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Experian received it on XXXX XXXX. I called Experian on XX/XX/XXXX I was told that some of the accounts were removed and others were being disputed with the creditors because my Identity theft report did not meet Experian 's criteria. And that I needed to send in another Identity theft report along with my Drivers License, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. Because someone else may try to just not pay a debt and file an identity theft report to get out of paying nor having it report negative on their credit file. I was given the website address to upload the documents to of experian.com/upload. I kept getting an error message for hours as I was trying to upload the new documents. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
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: Information belongs to someone else

Complaint:
I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on my credit report.

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 2022-08-05
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: Information belongs to someone else

Complaint:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; US SM BUS ADMIN ODA Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,

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 2018-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech, has changed the maturity date of my mortgage to XX/XX/XXXX which is a 52 year mortgage. I, XXXX XXXX in XX/XX/XXXX signed a 30 year mortgage so Ditech illegally changed the maturity date without my consent. As a result, incorrect payment amounts have been applied my principal balance each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 Visa card with Bank of America and in XXXX of 2017 I tried switching from bill pay with my bank to auto pay with BOFA on the app but it didn't take creating this mess I have a great relationship with BofA and a home mortgage and credit card as my husband as well.

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