BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: Capital Accounts, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from what seems to be a debt collector group called Capital Accounts. They claimed that they were attempting to collect on a debt I owed to XXXX XXXX XXXX in XXXX, Idaho. I did rent a house for a year through this company but never knew of any debt or had ever been notified. My rental was closed in 2014. I was not going to pay this Capital Accounts over the phone and I certainly wanted to know what I supposedly owed for if anything. I immediately got off the phone with Capital Accounts and called XXXX XXXX. I spoke with a lady named XXXX and she seemed to both remember me and assured me that I did not owe anything. Capital Accounts called me again today trying to collect and I told them that I find this to appear fraudulent and I would report the incident. The amount was odd ( {$88.00} ) and maybe they thought I'd be a sucker and cough up credit information. Their web site given is : http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX Good afternoon, i amwriting to you to see if I can get some help with this debt collection service they are fradulently reporting a collection account on my credit reports.. the debt was sold to another company. I gave AMSHER a call on XX/XX/2019 and inquired about the debt they immediately told me that this debt belonged to XXXX XXXX XXXX XXXX. I than asked them why were the reporting on my credit reports and they no longer had my account they said call the new company so I called the credit bureau and disputed this againg and provided them with the new collection company information the failed to remove the account and started a new dispute and today XX/XX/2019 i got an email update from the credit bureau ( XXXX ) saying the debit will remain on my report it was verified by the collection company AMSHER as accurate. How in the world do I supposed to pay 2 collection companies for the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a police report that goes along with complaint number XXXX. I have filed a police report, report number XXXX, with the XXXX Police Department regarding my Identity Theft. I have attached this report to this complaint. 

XX/XX/2016 I had my identity stolen and there was a Kohl 's credit card opened in my name. I have filed an Identity Theft Report with the Federal Trade commission, as well as the XXXX Police Department. 

I'm requesting that Kohl 's immediately remove this from their system as well as the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a chase auto loan that i started in XXXX of XXXX for a XXXX XXXX. This is my first car loan/lease so i was adamant that i wanted to have everything setup correctly. i made my first payment on the lease and then setup reoccuring autopayments as i wanted to be a responsible lease recipient and build my good credit history for the future. This auto repayment did not engage and in the second or third month of the lease i received a call informing me that i was past due. i made the past due payments with additional fees charged to me as a result of the late payments and setup auto payments again to recurr every month. This once again did not come into effect. and i was for a second time charged with additional late fees as a result of some issue with the billing on chase 's side. i asked the support person why i had not received any notice of this and the company had put me on a cease and desist list. This is wholey and entirely chase 's faulty for repeatedly reassuring me that my auto payments would work and that they would contact me if there were issues, which they did not, instead i was given no notices and never contacted. I enjoy my car and pay for it but i am getting scammed by my lease company, Chase Auto finance, because their system continually reverts the options i make to keep my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Trans Union then alleged to have verified my public record information with XXXX and the US Bankruptcy  Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Trans Union or any Credit Reporting Agency. 
The only clear thing is that the Trans Union is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of  any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Trans Union. I humbly ask for assistance in having this information deleted from my Credit file at Trans Union.

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 2019-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
FYI There was no category in your complaint system that specifically addressed my issue so this complaint may not be perfectly categorized ( maybe you could add an " other '' category ) The FCRA says I can get a copy of my reports from all agencies. I could not remember the name of my employer which submitted information on me to The Work Number. I  called to get my information but they would not give me my report without giving the specific name of an employer member which reported on me in the past. Some people have memory loss but this should not prevent them from obtaining there information. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.

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 2019-04-11
Company: Experian Information Solutions 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 submitted a dispute to Experian on XXXX over a loan that I paid off to XXXX XXXX XXXX XXXX ( the loan was paid off around XXXX if I remember correctly. ) The Experian report and dispute result stated that the loan was discharged through Bankruptcy Chapter XXXX- that is not accurate, I paid off the loan. I next attempted to send Experian the only proof that I have - a copy of the bankruptcy paper work showing that I intended to keep the debt. Instead of resolving the issue, they now opened up a new dispute into whether or not I paid off the other car loan to XXXX XXXX XXXX that I also paid off. There is no way to contact Experian directly. I've also contacted XXXX XXXX about trying to help me with proof that I paid off the loan, but they have still not contacted me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Bread Financial Holdings, Inc.
State: AZ
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:
2 accounts show for Comenty Bank | Ann Taylor Loft, the second account with a credit limit of {$2700.00} was negotiated pay for delete. Payments arrangements were made and the balance was paid in full. Reflecting a charge off ( CO ) is  inaccurate as this debt was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a XXXX loan went to make withdrawal and the bank froze my account ask for some documentation which I turned in and I still say they're investigating my my account I asked him to reverse the funds and they told me they couldn't do that until the investigation was over but I don't understand what are they investigating this was a government-funded loan that was approved for me for my business

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: M&T BANK CORPORATION
State: NJ
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 have tried everything that I know how to do correctly, Still, XXXX, XXXX and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( M & T Bank ) I'M trying to get a better job & place to live but they, ( XXXX ) ( XXXX ) ( XXXX ) NOR ( M & T BANK ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

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 2020-05-05
Company: Ocwen Financial Corporation
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
During the COVID 19 Emergency, 1. ) XXXX XXXX XXXX XXXX XXXX XXXX  ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX ( Trustee ) XXXX XXXX XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : XXXX XXXX XXXX ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have completed a 3 year lease with XXXX XXXX and returned car with no damages. I took video and pictures for my own protection in case of something like this on the day of my return to the dealer at XXXX XXXX XXXX in XXXX California. I did have over mileage and I expected that but now I have received a statement for not only the excess mileage but also damages, disposition fee, and taxes for a bill of {$3200.00}. I called yesterday and spoke to XXXX at XXXX XXXX he said they will give me extension until XX/XX/2018 but payment had to be in full and only by checking or ATM debit. No credit card payment at all. I was not disclosed of any disposition fee or damages at the time of my return. There were no damages. I have proof of that. XXXX said I see you turned in your car on XX/XX/2018 and the report was dated on XX/XX/2018 two days later i will send you a kit? to dispute damages? XXXX stated that the report said there are damages to the front bumper and rear? 
I am asking for your help in this matter because When I was at the dealer I was told that they would take care of all the charges if I purchase or lease with them and I said great, I chose a car and test drove another and when we couldn't come to an agreement I said no thank you, I will go elsewhere and walked out of the dealer. I leased a new car that day with another Dealer. 
I have worked very hard on making sure I made every payment on time and completed my lease with Hyundai and I feel it's unfair that now I have these charges that are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized FIRST XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2021-06-27
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 a company by the Name of XXXX XXXX XXXX XXXX A third XXXX XXXX XXXX XXXX whom Ive Never Contracted with ) contacted Me about a alleged Debt using False and Misleading Representations ; according to title XXXX XXXX XXXX. 

Also violating My Consumer rights according to XXXX XXXX XXXX stating I owe a Debt in the Amount of {$260.00} From a Company called Cornerstone who has not validated the Debt but claims to be the Creditor, which again is False and Misleading I have given notices to this company and told them to stop Contacting Me Via Telephone because I have not giving them any consent or permission to contact me. 

The alleged Debt lacks validation, or a affidavit of XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX - XX/XX/XXXX XXXX Salesperson misrepresented information, saying it was 30 day trial and could cancelled any time without penalty and also failed to disclose terms with respect to cancellation. When called over phone to cancel, was told it was only 3 day trial. 

XX/XX/XXXX Notice of Cancellation email was sent to XXXX XXXX XX/XX/XXXX XXXX Removal of equipment XX/XX/XXXX FBCS Debt Collecton mailed stating I owe {$1600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: U.S. BANCORP
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from us bank failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX and also us bank is off my XXXX and XXXX  XXXX failing to take it off XXXX and XXXX after disputing from the other credit companies that I have screenshots of the companies credit report deletion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called this company about a year ago, when I noticed a collection on my credit report. The collection is not a collection of mine, it is fraud. 
I have asked the company to submit to me proof of contract, which they havent. Also, the supervisor told me in order to get the account removed from my credit that it would have to be paid in full, and that was the only way. The collection company was paid in full but was never deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Account : XXXX Payments XX/XX/XXXX - XX/XX/XXXX The payments on the account are reflecting that every month the payment was 30 days late due to an error in their system when they provided an extension on XX/XX/XXXX. This has caused me to be denied for a loan for my primary residence and I am upset that company fradulently has been reporting my information for over 16 payments. I attempted to correct this with the company and they requested for me to submit the request to CFPB directly to correct the issues with 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 explanation