BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mistakenly received a letter dated XX/XX/2017 with a case number XXXX attempting to collect an unknown debt for the amount of {$7300.00}. They have threatened legal action by the United States of America ( USA ) citing an unknown case number and they are harassing me and my family for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
According to Florida Law chapter 624 if I can't pay for insurance ( because the premium is higher than the car payments ) the bank has to pay for it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-XXXX/XXXX/XXXX/XXXX.XXXX I called my lender, Bridgecrest, to apply forced-placed insurance to my car in exchange for higher payments. Bridgecrest refused to do that and I can't afford full cover insurance. My HOA found out my car has no plate and are pushing me to move the car or have it towed at my expense, at which point I would need a license, proof of registration ( don't have ) and proof of insurance ( none ) in order to get it back from the impound lot. 

I have been struggling with this all week and I don't want my credit ruined and my bank account gnashed because Bridgecrest refuses to pay for car insurance. 

Bankruptcy won't help neither since filing for chapter XXXX or chapter XXXX won't help since I have to sell non-exempt property or make payments. 

I don't deserve a decade of financial suffering over a car. This has gone far enough and I can't lose everything I worked so hard to gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitted a written statement detailing that the inquiry on my credit report be investigated as i have not financed or attempted to finance a loan with this company. Still remains on my credit report and XXXX  the credit reporting agency will not allow me to dispute the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ) reported to XXXX company my criminal recorded which was Dismissed on XX/XX/2013 Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a Home Project Loan with Wells Fargo. I have paid on time and in excess of the amounts due yet Wells insists on charging late fees. I was charged {$27.00} on XX/XX/XXXX ; {$38.00} on on XX/XX/XXXX; and {$1.00} on XX/XX/XXXX. Again, all while paying in advance of amounts due and in advance of due dates.

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 2019-04-04
Company: HW Holding, Inc
State: FL
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:
There is an item showing in my credit file with Hunter Warfield inc. I have no idea what this is for and I sent a letter to them asking for details. They haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover financial services {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Discover financial services XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX Im noticing this is still on my credit report when i reported to them i never even recieved a credit card from them. Someone had stolen my information. Thia debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has placed 2 separate hits to my Credit score for 2 separate amounts of {$70.00} and {$140.00} placed on two different dates. Company has repeatedly called and filled up my inbox while they themselves have repeatedly received reports of harassment and violating privacy clauses. I do not owe this debt to Holloway Credit Solutions. They are creating debt I do not owe to them. I paid my medical bill to my DR at the time of rendered service and was billed extra for charges I was explained by my  doctor that were already covered in the {$170.00} I paid. I had an additional visit COVERED BY XXXX XXXX XXXX  INSURANCE SO THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfolio Recovery continues to contact my employer after being told to cease doing so on XX/XX/XXXX. They called my work on XX/XX/XXXX and XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today, XX/XX/XXXX. This is creating both an embarassing situation in addition to a tense work environment for me. I have sent notices of dispute to this company asking for proof of my application for the credit card debt they claim I owe ; however, they just keep sending me copies of statements wherein charges were made and claiming that is all the proof they need ; never sending me what I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: FL
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:
Filed a dispute - and now cant get back on system. Every time I call, either hold for hours and hours ( and then get cut off ) or they tell me system is not working. It dropped my credit score 50 points and I cant get a resolution. I am shopping for a car and can't move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: FL
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 opened up a fraudulent account in my name. My information was used and i didn't realize this.

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 2018-02-15
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:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. TOO MANY INQUIRIES NO KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: NCB Management Services Inc.
State: MN
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:
NCB MANAGMENT SERVICES is reporting on my Credit Report that I have a Balance in Collection as of XXXX that has never received any payments. I have never recieved any Collection Letters, debt details or contact from NCB Managment Service nor the original debtor regarding this debt. The date, balance and original creditor are not familiar to me and since I had filed bankruptcy prior to this debt, I am concerned they are attempting to collect a debt that was cleared from my bankruptcy. Since my Spouse has passed away, it is also unclear if this debt is related to him and not directly related to me. In XX/XX/XXXX and again in XXXX, I disputed the information on my Credit Reports with XXXX and XXXX. The outcome is not clear and I have not received any details regarding this debt. On XX/XX/XXXX, I mailed a letter to NCB Management Services requesting the details regarding this open balance they've reported in collection or they remove the negative remards in their entirety. I have recieved no reply. As I am trying to address this collection, I am unable to do so without any knowledge or details of the origin and am unable to dispute it further as NCB Managment has failed to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CBC Companies, 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:
I have summit my police report to all three reporting agency XXXX  and XXXX  have deleted the items I disputed but experian refuse to delete the same items, I have of my identity thef and my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted Suntrust and provided the information about the 3 unauthorized transactions on my account. They denied my claim and refused to respond to me promptly until I filed a complaint with CFPB. They then assigned an agent named XXXX XXXX to work with me on the case and asked me to provide additional information on the case. However, this agent never responded to my call or email requesting status update. 4 weeks after I submitted the rebuttal form, they simply said that I did not provide any additional information and denied my claim again. I was hoping that the bank would do their investigation but apparently it did not seem so. Below is what I stated in the rebuttal form. As a consumer, I do not know how to prove that I did not authorize these transactions. 

" I looked at XXXX policy and they stated that if the fraud transactions were not authorized by the account owner, I should be refunded the full amount stolen. In this case, I hope to recover the full amount of {$1300.00}. 
The following XXXX transactions were NOT authorized by me, and I only saw the transactions when I checked my accounts on XX/XX/2020 : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I again can not or do not know how to prove that I was hacked. I hope that the bank fraud protection would be able to assist me in finding out how and when I got hacked. My suggestion is that the investigator should look at the IP addresses that the XXXX  transactions were initiated from. Also, I immediately made changes to my account log-in information the moment I realized the fraud, and these XXXX transactions stopped after. 
Again, I did not authorize any of the 3 transactions listed above. '' I hope CFPB can request Suntrust to do a better job with their investigation and consumer protection. It appears to me now that Suntrust does not want to help me with this case, they just want me to sustain the damage from Identity Theft.

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 2021-07-03
Company: SYNCHRONY FINANCIAL
State: MD
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:
My complaint XXXX was not answered. 
My complaint was that I returned XXXX worth of items but I had a bill owing XXXX They said I had to make a min payment of XXXX After I wrote the cfpb Amazon credit card took XXXX from my card ending XXXX. Illegally. 
I did not authorize them to do this. 
I had automatic payments XXXX XXXX. When I was paying the card off. 
On XX/XX/2021 I paid XXXX In XX/XX/XXXX I received a refund of XXXX. 
They are overcharging me. 
They are now saying I owe XXXX after taking XXXX unauthorized. 
I want to have my account audited.

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 2020-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX 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 2018-02-15
Company: MONEY SOURCE, INC., THE
State: FL
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 when hurricane hit I opted for the 3 month forbearance. Was informed the payments would roll to end of loan and resume normal payments in XX/XX/XXXX. I called to make my payment in XX/XX/XXXX and was told that no that's not an option I had to pay amount in full. When I agreed that that wasn't agreement the stated I had to go through loss litigation now to fix this problem. I was told that it wouldn't be reported to my credit. Well it was. I have called and emailed and every time I get a different answer or no response. I also called to make a payment and they refused to take my payment. I have multiple hours of phone calls and emails begging to get this resolved. I have sold this home and now can't get a mortgage due to this. I have been told per The money source that they have multiple people with the same problem. I have also been told due to fact I have FHA mortgage that the payments can't be added to end. I am at a loss with this company and how to fix this problem and remove this from my credit. It shows 90-120 late with disaster forbearance yet no payments behind. I was told to contact you since I am getting no where with this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX when I originally reported identity theft to al credit reporting agencies and registered with FTC Confirmed by office of comptroller for currency in XX/XX/XXXX Transunion has continuity reported incorrect info on my credit report I received correspondence from transunion XXXX XXXX Saying they corrected my credit report On the current version They took off creditors accounts that pertain to my 40 year credit history And left. XXXX which I did not apply for and reported fraudulent to XXXX banks in XX/XX/XXXX Also transunion changed a loan from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Why? 
They stated it was their transunion.reporting Error XXXX XXXX loan was reported as XXXX $ per month paid off in XX/XX/XXXX As per XXXX XXXXXXXX XXXX XXXX XXXX there was a note put against my home from them at approx {$530.00} per month so this is INCORRECTLY REPORTED by transunion I want to know where transunion got the information and who authorized the change of the name if the financial institution Also XXXX XXXX XXXX XXXX has denied a transunion reporting inquiry of XXXX And XXXX XXXX has denied a transunion reporting for an insurance underwriting inquiry of XXXX XXXX XXXX has stated their was a fraudulent hard inquiry of XXXX Along with 20 other soft inquiries XXXX XXXX has denied a hard credit inquiry reported by transunion XXXX XXXX XXXX has denied a hard inquiry of XXXX reported by transunion Where does transunion get your reporting info from to put it on 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 explanation
Consumer complaint received 2018-02-01
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.

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 2020-05-06
Company: JPMORGAN CHASE & CO.
State: IN
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:
During the COVID-19 we asked the bank to reverse interest fees for XXXX and XXXX in the amounts of {$290.00} and {$310.00} totaling {$610.00}. The bank refused to make any considerations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a compliant against XXXX XXXX ( XXXX XXXX XXXX ). I am currently being charged {$2400.00} for fees that I have no idea where they come from. I was only told that I would be charged for keys ( that I returned on my move out date ) but according to the assistant manager were never returned. I worked as an XXXX for this company from XX/XX/2016 up until XX/XX/2016 and lived onsite. At the time of moving in I never signed a lease because I was a XXXX XXXX for the company. I have not received any information in the mail in regards to the balance owed and feel like this was handled unprofessionally. I am not trying to purchase a home but the process is being held up because its affecting negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and that violates my rights as as consumer, i reached out to transunionon more than one occasion to advise of my credit being pulled with out my permission. the listed inquires were pulled with out my permission XXXX XXXX XX/XX/17, XX/XX/17 XXXX, XX/XX/17, XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX XX/XX/17 XXXX/XXXX XX/XX/17 XXXX XXXX XXXX  XX/XX/17 XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 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 explanation