BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Before applying instore for the kohl 's card, I asked the associate several times if this was a soft or hard inquiry. She ASSURED ME kohl 's only did soft inquirys and that itwould not show up on my credit as a derogatory remark even if I was denied. Now I check my credit which I am working to fix and find that the associate wrongfully informed me and pressured me into this application which is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: SunTx Capital Partners
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I do not know how they sold an 18 wheeler for {$5000.00} and resold the semi-truck at a higher value ; this truck has been nothing but a problem due to the truck being flooded and had electrical issues. I had requested a settlement payment to resolve the truck issues but was denied, and we worked out a deal in exchange for the location of the semi-truck. 

I had advised the company to do a volunteer repossession 2 years ago, and they are still reporting inaccurate information on the credit report and requesting a full loan balance. 

I want Freedom Truck Finance to stop reporting 120 days late on a repossession vehicle in which the debt had been settled and stop sending payment requests in which this was a volunteer agreement.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-06
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Title loan
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: AR
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:
To Whom This May Concern : Upon reviewing my Equifax account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Meridian Buyer’s Group
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The company states I failed to pay my XXXX payment. I sent the proof of payment to them on XXXX. Payment cleared my bank on XXXX. Company picked up the car on XXXX. I called to request info and was told I would be given a call back. No one called me back. When I called on XXXX I was told I could not retreive the vehicle. I was told I could get my belongings and given a number to call and make an appointment. Meridian Buyers Group XXXX TN, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX, the natural living breathing person have proof that American Credit Acceptance have been and continue to violate my consumer rights. I the consumer have noticed American Credit Acceptance has violated me 20 times and have proof of admission. American Credit Acceptance has violated 15 US CODE 1681 ( A ), 15 US CODE 1692 D, 15 US CODE 1635, 15 US CODE 1692 B ( 2 ), 15 US CODE 1692B ( 3 ), 15 USC 1681N ( B ), 15 U S CODE 1601 ( A ), 16 USC 1692 ( E ). American Credit Acceptance also had a third party guest illegally repossess the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Aargon Agency, Inc.
State: PA
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:
Its being reported by a collection agency that I've been 30 days late on payments. I have not agreed to any form of payment plan with the agency or original debtor.

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 2021-07-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington is https : //www.consumerfinance.gov/still harassing me not to give me my money to fix the rest of my house. The loss department is going against the bankruptcy department, that they do sign insurance checks even though the home owner is under bankruptcy. They still let the home owner have the money back to repair their house. It took 4 months for my insurance to give me this money. My health is also being documented by my doctor 's office. My XXXX XXXX is XXXX and my XXXX is getting worse with the mold smell. They want to keep making up lies that the bankruptcy department told me wrong information. I am not signing the check for them to keep and not send it back to me. Now their new excuse is I'm under bankruptcy why won't sign it back to me. It's just pure harassment sexism, discrimination gender discrimination because I'm a female. I have experienced gender harassment my whole life from mortgage companies. Carrington is being downright cruel and inhumane to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get my loan payments to be properly attributed as Public Service Loan Forgiveness qualifying payments since XX/XX/XXXX. So far XXXX  has been able to correct most of my account and correctly note the payments as PSLF qualifying payments ( although that took 17 months ). However, I haven't been able to get an effective response from XXXX since XX/XX/XXXX, when I requested them to correct some uncredited PSLF qualifying payments and send me a report with my payment history, indicating whether or not each payment is a PSLF qualifying payment and if not then why. After following up with XXXX at least a dozen times for them to produce this report, I was told today to wait another 30 days, which would bring me to just shy of 2 years from when I first requested further information on why my payments weren't qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System is showing a debt for XXXX XXXX XXXX XXXX. My insurance was to pay more on this bill because XX/XX/XXXX did not file correctly. The debt is not owed and needs to be deleted from my credit bureau as it is not a valid debt. 

In addition, said debt is outside of the statute of limitations, so the credit bureau reporting serves as a collection attempt in violation of the FDCPA.

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 2021-07-14
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: Account information incorrect

Complaint:
i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer 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 2018-01-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I transfered XXXX, - from my bank account via my XXXX card to my Coinbase wallet. I did this two times ( = XXXX, - ). 

However, none of the two purchases arrived at my Coinbase wallet. 

To this date ( XX/XX/XXXX ), I tried to contact the Coinbase customer support 3x via the email form, as this is the only way to reach them. I only got automated responses, but nothing else! The money is still missing. 

I contacted my bank, but they were unable to help me, since the money was transferred correctly. 

You are my last hope! 
( Sorry for any spelling mistakes, I am from XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Kriya Capital, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 )  that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I subscribe to Experian 's monthly credit service in the amount of $ XXXX/per month for 6-7 years, then without approval starting XX/XX/19, Experian starts charging my account without approval $ XXXX/mo. 

I've contacted Experian and they have credited my account for the month of XX/XX/XXXX but would not do so for XX/XX/XXXX and XX/XX/XXXX. I'm continuing their service for now $ XXXX/mo. 

I'm not happy they didn't rectify the entire issue but this doesn't bother as much and is my real concern is Experian automatically started charging my account 400 % increase amount without authorization. They tried the same thing about 3 years ago without notice too which is the real reason for my irritation. 

I'm literally dumbfounded a credit agency of all companies would do this to consumers if this isn't illegal its unethical. 

Thanks for all you do for the consumer. 

Best of luck, 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 explanation
Consumer complaint received 2019-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was recently looking through my Experian file on XX/XX/XXXX I noticed there were Inquiry 's I never gave authorization to or have no knowledge of. This was not done by me. I Called the companies involved they said it's best for me to deal direct with Experian to get them removed as they have no signed documentation since I did not deal with these companies Here are the inquiry 's that are not accurate and I would like removed from file.

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2018-05-06
Company: Collection Bureau of Fort Walton Beach, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection Bureau of FWB XXXX XXXX XXXX. 
XXXX XXXX All three of these companies have threatened legal action against me for services rendered for medical treatment. These companies had said that they will ruin my credit rating by notifying all credit bureaus of amounts due. 
I am on Medicaid and a fixed income and not able to pay any amount over what Medicaid pays for my medical treatment of XXXX and other major health problems

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 2020-07-29
Company: WELLS FARGO & COMPANY
State: PA
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:
I am begging that the late payment for XX/XX/2019 from WF/XXXX XXXX XXXX be removed from my report. During that time, I got laid off and did not have any money to make payment for that month, however, I managed to borrow money from my relatives to cover that 1 late payment. I have been paying this account religiously since then and now, I am trying to get a better position in our office but this 1 late payment is really affecting that promotion negatively. I desperately need this promotion and I would be extremely appreciative if this late payment will be removed. I have been contacting WF/XXXX XXXX multiple times to get some help but to no avail. During this pandemic season, I need this promotion even more so please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: WELLS FARGO & COMPANY
State: DE
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:
Affidavit of Truth I have inaccurate information reporting on my XXXX credit report. There is a Wells Fargo Dealer Services account # ( XXXX ), that was disputed and removed by XXXX for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( wells Fargo Dealer Services ) admitting that they are reporting an inaccurate high balance to my XXXX credit report. Furthermore, without my knowledge Wells Fargo 's performed a 1099-c to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and XXXX, XXXX an XXXX report This Wells Fargo account differently. Please hold Wells Fargo and XXXX accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXt # XXXX, XXXX and XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, 15 U.S.C. 1681 SECTION 602 SECT A : 4 states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2017-07-31
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:
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed 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