BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I sold my car to XXXX on XX/XX/XXXX, XXXX sent a payment in full to Ally on XX/XX/XXXX which they cashed. They did not apply it to my account to pay off the car as it was intended, instead they pocketed the money and claimed there was an issue with the check even though XXXX and I had evidence of payment received and processed. 

I called Ally 3 times a week and talked to someone whos was always outsourced and never on-shore, they kept giving me conflict of information and now, my credit is showing 30+ Days late when I already paid the car completely off 2 months ago! 

This is the tracking number for the {$22.00}, XXX check I sent out : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Its a couple of hard inquiries on my credit report that I had no knowledge of nor signed up for anything so I would like them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempted to rebuild my credit file and found this Debt that should not be on my credit profile being that i was Incarcerated at the time of this purported Debt from CAPITAL ONE BANK in the amount of {$300.00} with an account number of XXXX, I also have my Release papers to confirm these dates, if i must obtain a police Report Identity Theft form i will do so being this account is fraudulent in nature and being Reported as Verified by the 3 major credit bureaus without a full investigation and proof of all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On or about XX/XX/2017, I purchased a car from XXXX  XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX Il XXXX and HYUNDAI Motor Finance, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX was the Finance company. Because of hardship, XXXX, brining extra bills that XXXX care did not cover I felt behind in my payments by two months. Within that two months I started paying my car notes as normal, $ XXXXusually before it was due. I called and talked with the finance company after reading in my contract that I could extend the date in my contract if there was a problem therefore I called the finance company and ask for my contract to be extend my contract for last payment by two months. The young lady told me that I could do that if I double my payments for three ( 3 ) months, I told her that if I could do that I would not need to extend my contract date. The next bill I send the regular payment {$340.00}, plus two-hundred dollars ( {$200.00} ). I couldn't continue to do that it would put me behind in my medical, and utilities bills. Therefore I just send the regular bill of {$340.00}, every month, I receive Social Security and I'm on a budget, therefore I didn't have extra money. To honest I was going to pay Hyundai when the stimulus check from the government came, I'm still waiting and they're still playing while people are in desperate need. Under the laws as I'm too understand of Illinois, and UCC 9.506. as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere.

also I never stop sending in the regular payments it was just the two payments and they could have extended my contract by two months. Being a senior the car was my transportation to shop for groceries, go to my doctor appointments, as well helping other seniors get to the doctor and the store church when it was open, no i didn't charge for gas because I felt God had bless me with a car and why not share with those who didn't have now I don't have.

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 2022-06-10
Company: UHG, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what UNITED HOLDING XXXX is doing by demanding I owe an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has placed a " promotional block '' on my file without my requesting it. This is a violation of FCRA regulations. I plan to take legal action but I want to create a paper trail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the past year, I have received multiple ( according to XXXX records, 31 total ) calls from varying numbers in various States in the U.S.from this company, Midland Credit. 

I have told them repeatedly I am not the person they are seeking to find and that I have no knowledge of this person 's whereabouts, but they have not ceased calling me at all times of the day or evening. 

I have blocked these numbers as they have come in, but the calls have not stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: ID
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:
Equifax; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2018-09-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ability Recovery Services LLC ( ARS ) continues to try and collect funds for XXXX University when the debt was paid under a settlement agreement. ARS refuses to post a XXXX  balance and continues to slowly report increments of lesser amounts. A representative XXXX said she was going to remove the account from XXXX  do no one could see the previous previous balances and know what they are doing to costumers when they pay off their debt. The debt was already charged of but collection efforts continued to be made by ARS. XXXX was paid to settle the account but XXXX  reported XXXX was due. Then the representative XXXX said XXXX was due. They are gradually decreasing the amount ant I was denied credit. Therefore, the way they are processing payments and reporting the XXXX  is creating a hardship.

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I asked for a copy of the bill, which has NEVER been sent to me, I will not pay Kohls unless they send a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made many attempts to pay against my balance, but they will not make these payments available in a reasonable time frame. New account, multiple payments, large payments, etc. are the reasons I'm given for their " systems '' hold. My payments have been made through their online payment systems and using my banks online payment system. They get paid electronically each time, but want to hold my payments for 3 weeks. I've had a XXXX XXXX account with them for years, and yet they're treating things as if I've done business with them from yesterday. They do not provide any representative at any level the ability to override their system and all of their reps would have approved my requests. No reply from corporate on my complaint, either. Given my extensive payment history with the Synchrony, ability to be approved for the credit line, purchase history from Amazon, and that all recent payments have processed electronically ( and without issue ), they shouldn't treat people this way.

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 2023-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
Purchased a piece of furniture that we never received only to find out that the company has been scamming people exact same way for several months. Filed a dispute with chase bank giving them all the proper documentation showing that this company is scamming people. Chase bank contacted the scammers and sided with the scammers even after I produced all the documentation showing how many other people have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/20 I gave my credit card information over phone to a car salesman at XXXX XXXX as a {$200.00} hold for 24 hours to decide if I wanted to come look at a particular vehicle. 

XX/XX/20 In less than 24 hours I have decided that it was car I did not want to pursue looking at XXXX XXXX is over three hours from my home in which I deemed too far to travel I notified the salesman at the dealership of my intent in which he said my deposit/ hold would be put back to my account This entire transaction took place over the phone nothing was signed or received by me I have no contractual obligation XX/XX/20 I have attached the response from the Citi stating it was resolved XX/XX/20 The charge was back on my account The representative at Citi Credit Cards was not very helpful

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
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
ITEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Debt with Credence Resource Mana for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Village Capital & Investment LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was on a Covid deferral program, before it ended I requested a modification the loan, i was really hoping that the amount due would just be pushed to the end of the initial loan .. this didnt happen. But the Loan was modified with a higher interest rate. This was approved, I was told that nothing would be negatively impacted on my credit report. This happened! I keep calling and no one answers why? 

I really want this removed asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: AL
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:
As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XX/XX/XXXX. The overall issue is this, which then brings me to my dispute with my credit report.They want to charge me $XXXX a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals $XXXX. If then I provide a 2 month cushion, the amount comes to $XXXX. Currently I send in a check each month one for Principle and Interest = $XXXX   and then an Escrow check = $XXXX. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is $XXXX. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the documents attached ; I request the bureau to initiate an investigation into these accounts. I have never been late, yet they are reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.

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 2022-12-22
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had contacted US Bank to cancel one of my credit cards back in XXXX when they posted annual fee for next year, and the representative promised to refund my annual fee of {$95.00}, but it never happened.

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