BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: Consumer Portfolio Services, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was never told this was a simple interest loan. The car company had given me the car and I signed papers with another loan company. I was given the car and drove it home. Three days later I got a call from the car company and was told they were not going to give me the loan. XXXX XXXX lied to me and had already taken my car and gotten rid of it. I needed a car to work so, I had to go with the loan company that XXXX XXXX said was giving me a loan. I was between a rock and a hard place and I did find out after the fact that XXXX XXXX was lying. I am signed on to a loan for 7 years at 22 %. I am being charged interest every day. I recently called and ask them to lower my interest as I have not missed a payment. Even the extra money I pay is being taken and charged interest on it and whatever is left is applied to my principle. I called in XXXX of 2019 and asked that any extra money be applied to my principle. I found out that any extra monies are being taxed, and then applied to my principle. I was even told that it was being taken off my monthly payment and that is why my payment monthly payment had decreased. Then I was told by a manager that I  had a credit there in case I could not pay all of that month 's car payment and if I wanted to do a principle only payment that I need to send it in by itself. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-02-27
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
ALL THREE COMPANIES DO NOT INCLUDE YOUR STATEMENTS IN THEIR REPORTS, THEY JUST SAY THE VERY MINIMUM WHICH MANY TIMES DO NOT SATISFY THE LENDERS OR THE COMPUTERS LOOKING AT REPORT, THE REPORTS INCLUDED ON REPORTS ARE NOT HELPING THE CAUSE OF CLEANING UP CREDIT REPORTS

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 2022-10-12
Company: EQUIFAX, INC.
State: MO
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 Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This morning, I filed a follow-up complaint ( XXXX-XXXX  ) because the response to my initial complaint was a voicemail with return telephone information that did not work. I received a response to this with the exact same information - an 800 number and access code that took me to a call center where no one was able to connect me to XXXX 's extension. I tried three times without success and only increasing frustration. on the last attempt, I spoke to a woman named XXXX, who refused to even try to connect me to XXXX 's extension before I provided " verification '' but when I persisted, she finally looked up the extension number and informed me that it " was not working. '' I am not going to return any further phone calls from Capital One. This is beyond aggravating and a completely unacceptable way to treat customers who have already been on the receiving end of unfair and deceptive practices. A company of this size should be able to manage a process for returning phone calls. If Capital One wishes to respond to this THIRD complaint, use my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The amount taken from my accout was XXXX dollars. I filed dispute on XX/XX/XXXX XX/XX/XXXX and another day cant remember exact datebbut k tried three times explain my situation to bank and they would give me my money

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 2021-04-12
Company: Receivable Recovery Services, LLC
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: NCB Management Services Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.

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 2020-07-25
Company: EQUIFAX, INC.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Ponca Finance Co. Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yes Finance and Sure Finance of XXXX MO are still contacting me after I dropped off signed cease and desist letters. They are still calling my family and friends as well. They tell me I have to pay {$800.00} each or they are going to sue me. I live on social security. I was trying to pay what I could afford and now I am down to either paying them or eating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: ME
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:
The Equifax breech put my security at risk. They used my personal information very poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please investigate and delete the following false information on my credit report : 1. incorrect previous address : XXXX XXXX XXXX  XXXX , OR, XXXX I have never lived at this address, therefore please delete it asap. 
2. I have no knowledge of XXXX  XXXX Account # XXXX, please investigate and delete.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has inquires that I did NOT authorize and I did NOT give anyone authorization. These are fraudulent inquiries. The following inquiries need to be deleted : XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, These inquires NEED to be deleted, I didn't sign ANY APPLICATIONS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/22, XX/XX/22 and XX/XX/22, amounts, call Capital One to resolve this issue with the company In according with Fair Reporting Act, this credit Capital One has violated my rights under 15 U.S. Code 1681c 602 states I have a right to privacy ; 15 U.S. Code 1681 604a section 2 a consumer agency can not furnish an account without my written consent and 15 U.S. Code 1666b a creditor may not treat a payment on a credit card account under open credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Recieved notice of a credit card being issued in my name that I never applied for while I was out of the country. Identity Theft / FRaud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
why was I not notified about this company and the compensation for failing protection against foreclosure. 
Consumer Financial Protection Bureau Takes Action Against XXXX XXXX for Failing to Provide Mortgage Borrowers with Protections  Against Foreclosure XXXX XXXX to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices XX/XX/2017 as you can see from documents and XXXX trying to get loan mod for me and them at XXXX XXXX outside auctioning my home to XXXX XXXX  ( same day ) asking for more documents. and HAMP guidelines state ... the lender must give so many days between asking and getting documents and foreclosure on the borrower. I was never denied and the proof is in the XXXX document

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 2021-04-12
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
State: KS
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: Billing dispute for services

Complaint:
Im submitting this complaint with CHASE because my credit score was negatively impacted due to CHASE reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to CHASE ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to CHASE for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. CHASE either did not properly send a request for payment from my bank, or did and something prevented the money transfer to CHASE. I was never properly informed by CHASE about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to CHASE. I only found my original payments were not posted when I logged into my online CHASE account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to CHASE. 

I'm only bringing this issue to the attention of others now because I did not know CHASE was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by CHASE. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for CHASE to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBE group XXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX Account XXXX Number XXXX They have tried to access my bank account with out a court order. 
I had sent them a letter of declaration of proverty. 
I will contact my free lawyer to see what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 signed up for XXXX XXXX and it is showing me all my hard inquiries. I have never applied for a capitol one card or went to a car lot to get a car in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: MO
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:
Signed up for CitiBank prepaid credit card, received the card. Tried to connect card to mobile wallet, they didnt send verification code. Called customer Service, and they advised that they would send a letter to my address. Tried to use card, and fraud alert prevented use. Called customer service, and they asked for a family member phone number, but said I am not connected to any of my family members, so they can not verify my information. I cant use my card whatsoever. My prepaid funds are trapped in a card I cant use, and customer service is no help at all.

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 2019-02-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Law Offices of Mitchell if fraudulent reporting a negative item on my XXXX file. I have filed with the FTC under fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Unauthorized withdrawals were made in XXXX and XX/XX/2019 totaling approx {$900.00}. From government issued card XX/XX/XXXX. ( Widows pension )

Company response to consumer: Closed with explanation