BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: AR
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 Informed Equifax in XX/XX/2021 of inquiries that I did know about on my credit report. I filed a dispute and they sent me a letter saying the inquiries was verified. I then disputed them again in XX/XX/2021 and didn't receive a response at all. In XXXX I called and disputed the inquiries again and then received another letter saying that they have verified and the inquiries will not be deleted. I informed them that they didn't verify nor did they validate the inquiries because I didn't make them. I asked them to remove the inquiries because they are not true. They are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: MI
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:
Experian deliberately discourages customers ability to submit online submission of request of correction in credit report errors by deliberately blocking access by issuing fake security questions and blacking online access. 

Experian has repeatedly blocked the last three attempts I have made to submit correction request via there online site. They ask obscure id verification questions which I still answer correctly and stull black access. They demand I send sensitive copies of personal id via mail which I will not do. XXXX and XXXX have no problems verifying my ID, this is a deliberate ploy by Experian to black access and is fraudulent.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

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 2021-10-20
Company: Radius Global Solutions LLC
State: IA
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:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH RADIUS GLOBAL SOLUTIONS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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 2022-03-08
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and the vehicle was involved in a car accident on XX/XX/XXXX. On XX/XX/XXXX, the insurance company deemed the car to be a total loss. During the payoff process the insurance company advised that the finance company did not have the correct Title Work for the vehicle. There was a misprint regarding the mileage along with the car being registered in the state of Arizona. The car should have been registered in the state of Texas. Due to the misprint the insurance company XXXX XXXX ) stated that they would not be able to pay off the car due to the inaccuracy of the title. The finance company ( XXXX ) encouraged me to contact Carvana to have the issue resolved regarding the title. The process began XX/XX/XXXX and was updated XX/XX/XXXX, along with the license plates being received by mail on XX/XX/XXXX. I contacted the insurance company to proceed with getting the car paid off and was informed that a title search had to be completed before sending a payoff check to the finance company. I was advised that a payoff check could not be established due to the car being registered to an unknown third party. I have been working with Carvana for several months with this ongoing issue without any success. My credit has been impacted tremendously, when creditors review my credit they will think that my ability to repay is unsatisfactory. At this point I am asking that Carvana assumes ALL responsibility regarding this total loss. The State Law of Texas mandates that car dealers or finance companies to register the title to a purchaser within 20days of the purchase. Failure to do so subjects them to liability under the dealer licensing laws and if title is not conveyed, to civil liability to a buyer. It is a deceptive trade practice to sell a car to which you do not have title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore. 
They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.

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 2019-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card ending in XXXX was fraudulently used on XX/XX/2018 for the amounts of XXXX, XXXX, XXXX, and XXXX for a total of {$1000.00}. After opening a claim with bank of america on this unauthorized transaction and numerous phone calls i have been told that the claim is still under research. The bank would give me a resolution deadline and fail to meet this deadline several times. The money was put back into my account and taken out two different times by bank of america. 

claim # 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 monetary relief
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
When I switched phone, one of my Citi card couldn't be added to mobile wallet in XXXX. I was on Mobile wallet before without problem. When I called customer care, the rep told me tried again later. Three months later, the problem persists. The general customer care supervisor tried multiple times but could not fixed it so they transferred me to fraud department last Thursday, XX/XX/2022. The fraud department rep put me on hold for over 10 minutes and then came back said he needed a supervisor to call me back. The Fraud dept supervisor never called me back so I called again on XX/XX/XXXX. The fraud dept rep, XXXX, was rude and could not care less. She claimed she needed to call me back to verify identity but she never called me back. My Citi card issue still has not been fixed. 

The IT system at Citi is a mess but the bigger problem is the professionalism and competency of the customer care.

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 2017-12-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XXXX/XXXX/XXXX NO CONTRACT WITH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX XXXX XXXX is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: TX
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:
I am being violated by Equifax as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex girlfriend ran up credit cards I didnt know that I had, stole credit cards from me, on one occasion used my credit card to pay for storage of her belongings, after we parted the relationship, and used it like as an automatic payment source after I paid the initial costs for the storage, as per our agreement, but then saved the card as the monthly payment source without my consent I will help in any way to prove these charges are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2017-12-28
Company: Experian Information Solutions Inc.
State: KY
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:
There are some inquiries on my experian credit report that I did n't permit some being multiple times : XXXX XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX7,XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXXXX/XX/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 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have high credit card limit & purchase everything on my bank of America credit card. My brother got married in XXXX of 2021 & I offered to put the cost to their venue on my credit card. In response, he paid me back in check & {$5000.00} cash. I've deposited the {$5000.00} cash into ATM at XXXX XXXX location XXXXXXXX XXXX XXXXXXXXXXXX XXXX. The ATM took the money & shut down & only gave me a slip that said we are unable to process this request. I have immediately opened a claim. After multiple long follow up calls, I finally received only {$4000.00} credit back on my credit card. I had to reopened my claim immediately & haven't received my money back. I get transferred Everytime i make an inqury regarding this clam & it hasn't been resolved after almost 8 months.

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 2020-02-09
Company: Experian Information Solutions Inc.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-09-19
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/2019, I attempted to pay off my entire balance but the site wouldn't accept my payment. The next day, the payment did go through but I was assessed a late fee and interest. I sent a secure message to Barclays and was told they would reverse the late fee and interest so my balance would be {$0.00}. However, today I was assessed another late fee even though my balance should have been {$0.00} ; it appears they never reversed the original fee and interest.

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 2019-04-21
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX hospital make a mistake by giving me a XXXX shot for XXXX without getting it approved first. This shot alone cost around XXXX since the hospital made this mistake they agreed to dismiss the charges and I was not suppose to even get a bill. I have talked with them many times and they have apologies to me for this. However somehow by miss communication this bill went to collections. to Capio partners which in turned showed up on my credit report and lowered my credit score 35 points. I have been talking to a XXXXXXXX hospital representative about this matter and he has assured me that this will be taking care of and this would come off my credit report. I have also mailed a letter to the collection agency and gave them his phone number in an effort to get this removed from my credit report.. I have disputed this on XXXX with no results. You can contact XXXX XXXX a rep with the hospital and he can verify all of this. Phone : XXXX XXXX, Fax : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: STATE STREET BANK AND TRUST COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I retired from XXXX XXXX on XX/XX/XXXX. I requested my employer to execute a 401k rollover on XX/XX/XXXX. I opened an traditional IRA account with XXXX XXXX to receive the 401k full rollover amount of exactly {$190000.00}. 
XXXX XXXX provided me a confirmation letter stating that {$190000.00} was transferred to my XXXX XXXX Traditional IRA account. 
I have been contacting XXXX XXXX several times and they stated they never received any funs from XXXX XXXX. 
I have also contacted State Street Bank and Trust but they refused to provide any information about my 401k account. 
XXXX XXXX provided check number XXXX which they mailed to XXXX XXXX on XX/XX/XXXX and they claim the check status show as paid. 
The XXXX XXXX  address I provided to XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX changed 401k servicing from State Street Bank and Trust to XXXX on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and they do not have any information about my account. 
On XX/XX/XXXX XXXX XXXX notified me that they opened an investigation but I have not been able to get any resolution to my complaint. 
At this time I am unable to get any information from either XXXX XXXX, State Street Bank and Trust, XXXX nor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ocwen has stated we are responsible for paying for " XXXX XXXX Mortgage XXXX '' even when that information was never disclosed in the HAMP documentation we signed last year. Our estimated escrow amount was {$1400.00} at the time we signed our HAMP documents. When Ocwen re-analyzed our escrow monthly payment increased to {$1500.00} to make up for the mortgage shortage for property taxes and homeowner 's insurance XXXX XXXX XXXX XXXX. Per Ocwen 's website, we are responsible, as the borrower, for paying for " Lender Paid MI ''. 

Our original lender paid for the mortgage insurance to XXXX XXXX beginning in XXXX XXXX and we have never paid for mortgage insurance as the borrower. In the documentation we have received from XXXX XXXX and Ocwen of our escrow payment breakdown, it was never disclosed to us that we were responsible for paying for the " Lender Paid Mortgage Insurance ''. We were told escrow payment included property taxes and homeowner 's insurance. 

The MONTHLY payment amount of the mortgage insurance is {$480.00} per XXXX XXXX and loan amount of {$750000.00}. Servicer on the loan per XXXX, is XXXX XXXX Bank. Per Ocwen 's website, annual payment for Lender paid MI is {$620.00}.

Company response to consumer: Closed with explanation