BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One Bank has not updated my account as a {$0.00} balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: GRANITE STATE MANAGEMENT & RESOURCES
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: Account status incorrect

Complaint:
GSMR is a student Loan on Forbearance and they have reported to the three credit bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: CA
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 disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, XXXX says XX/XX/XXXX Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, XXXX  says XX/XX/XXXX and Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX  XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
RE : XXXX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX DOB :  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, XXXX AND TRANSUNION in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, TRANSUNION AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX *********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT

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 2019-06-20
Company: GMA Investments, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 XXXX called my husband and my place of employment. Stated to both that she needed to get in touch with me regarding time sensitive documents regarding my property and to verify my employment. When my employer refused to provide information she became combative and HR told her to fax her request for information. My husband told her he knew she was scamming him because our mortgage is paid and she spoofed the number she was calling from. She called from XXXX-XXXX-XXXX and left a number XXXX-XXXX-XXXX  to call back and that is summit receivables. nothing to do with my mortgage.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX I have contacted CAPITAL ONE to inform them of violating my consumer rights as I have never been told I have the right to rescind my contract, never have they explained that the finance charge is the sum of all charges 15 USC 1605 also no cash comparable in a consumer credit transaction.15 USC 1602 ( p ) defined credit card mean any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. I extended credit to XXXX and I the natural person and cardholder received no benefit. XXXX practiced unauthorized use of my credit card pursuant to section 1643 of this title means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority such as use and which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card XXXX is under the truth and lending act, which states that I am only responsible for the finance charge. This contract is VOID AND NULL no further payment is to be made on this BREACH CONTRACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered a collection account on my credit report and decided to call to figured out what is for. 
The name of the collection agency is Southwest Credit Systems, they informed me is a collection for a XXXX bill from XXXX and they started to collect on late XXXX, I informed them that I never received an initial collection letter or call, then we realized the address on file was wrong, the apartment number was incorrect and that is the reason I never got a letter, I explained to the supervisor that I never had the opportunity to pay this bill or dispute it before it poped on my credit, I offered to pay the bill just if they agreed to delete the collection account from my credit report but they denied even when they know the address was wrong and I was never given the chance to pay or dispute the bill. I requested to dispute this bill since I don't even know what it is for but they refused to process my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My complaint is about a credit card I had with Chase Bank. 

I have had a credit card with then for a few years now, keeping it up to date and using it frequently. I was recently approved for 2 new chase credit cards, ( one was a Marriot Hotel card ), in addition to those two cards, Chase decided to give me a credit line increase on my current account. However, the day I activated my two new cards, I was immediately notified that ALL my accounts had been closed, including my old one. 

When I called the Chase representative, they were very cold and rude, treating me very unprofessionally, and just read off some list of reasons why my accounts were closed. They explained that the main reason for the closure appears to be because some of my store credit cards had been " closed by the issuer '', those accounts were closed because there had been no activity, so it appears on my credit report as such. I had no control over that situation. I did not use the cards, plain and simple. 

To make my credit situation worse, due to the fact that Chase approved me for 2 new cards and increased my current credit line, my credit score increased, however now that they have closed all the accounts my credit status will deteriorate. Which will cause other creditors to either lower my credit lines or close my accounts, because this will appear as a 'closed by issuer ''. 


I would like someone at a higher level to review my account and situation and reevaluate the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: U.S. BANCORP
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:
XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX XXXX  XXXX XXXX  Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the XXXX XXXX Bank branch and made payment on this card through the bank officer and teller from my XXXX XXXX savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my XXXX XXXX XXXX  credit card account. 
I Informed this to the XXXX XXXX bill pay department over phone where all my credit cards, check book, with US Bank, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and XXXX XXXX Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of US Bank Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation.

Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect.

US BANK Credit card had been in deferred payments due to COVID-19 Virus  epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments.

S

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 2022-08-12
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-06-20
Company: Jackson Automotive Resources
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In the beginning, when i first purchase my car my agreement was weekly payments and i agreed to that because at that time i was getting weekly pay. I fell into hardship for about a month and eventually caugh back up with payments after getting a new job, but to only find out i get paid more, but my payday went to bi weekly. I call right away and contact my car company Auto Start where i set up pay arrangement on XX/XX/XXXX with a staff member. At that time i was current, and had summit proper document. Well here on Monday the XX/XX/XXXX a auto start employee contacted letting me know i had a payment coming up and previous payment also, i said yes i no and what would be my current amount, he told me i agreed and told him friday XX/XX/19 i get paid and i pay that whole bill. Well they didn't call me tell Sat i assured them that i pay that. Amount Monday because of my direct deposit hits Monday. Anyway i call Monday to make my payment to be kept on hold for 30 min then they tell me how i dont get to get to pay bi weekly no more because the company been bought out and it goes back to the actual first agreement. Now they didn't notify me of any of these changes and now demands a higher payment that could lead me to be in repossession with them, and there saying they want take my current payment thats regularly due, and when instructed to speak to manger i get a regular complaint line with the letter heading of who im complaining too. I been with this car company going on 2 yrs and never had this problem, please help me fix this matter

Company response to consumer: Untimely response
Consumer complaint received 2018-11-07
Company: NPAS, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Stay away from XXXX hospital in XXXX, NY, which is giving all of the bills to NPAS! NPAS Inc sending bills asking to process the payment, I process the payment according to the instruction on the bill, obtain the confirmation number, and then in about a month they send a bill as a final opportunity for you to process the payment and threatening to send to collection because they are unable to locate the payment, although the payment was processed and the amount was cleared from the bank. I call NPAS and they give bad communication and hang up on you when you ask them to resolve the issue over the phone by providing the detailed information about the cleared payment in the bank.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
We previously had Auto insurance with USAA and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to XXXX XXXX and impacting us negatively when attempting to shop around for new Home Owners Insurance. USAA never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to XXXX XXXX on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim USSA Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim USSA Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim USSA Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim USSA Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which USAA has exemplified against us by utilizing XXXX XXXX to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022 I went into the physical location to complete paperwork for a loan. 
Over the days leading up to XX/XX/XXXX I spoke with the Branch Manager ( at the time ) of my intentions of purchasing a vehicle. 
I had a vehicle I owed {$4800.00} on financed with a different company and a {$6000.00} personal loan with Lendmark. Branch Manager suggested I combine the XXXX loans under my Lendmark loan and be able to get cash in hand with the refinance and merger of loans. Getting this cash in hand would give me cash to put a down payment on a new or newer vehicle. 
When I arrived XX/XX/XXXX, it went all down hill. I was abused through harassment and ableism by the Branch manager to the point that they were fired. The branch manager unfair and deceptive about the way the loan product worked when merging into a " partially collaterized personal loan '' and slapped a 36 % interest rate on the loan. So this would mean my vehicle worth {$4800.00} from its loan, when its actual book value is {$2500.00} aprox., is attached to a loan of roughly {$12000.00} for 60 month for a total with interest payment of $ XXXX. 
There is so much more to write about UDAAAP violations by the branch along with the branch manager trying to bribe me to keep quiet about the issue. 
Now as of XX/XX/2022 the branch has a new manager and they are committing UDAAP violations and lying and being deceptive in their practices.

Company response to consumer: Closed with explanation