BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2022-04-21
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:
I noticed a few accounts on my report I do not recognize

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 2015-09-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a Chase Slate credit card, advertised as having zero interest on balance transfers. The intent was to transfer a {$20000.00} existing balance. I completed the information online and was informed that I was approved for a {$5000.00} credit line, which I did not want because it was not sufficient to cover the existing balance that I wanted to transfer. I immediately called Chase and they said they would close the account, but it would show as a closed account. It should never show up at all as I would have never accepted this offer. I was never given the opportunity to reject the offer once I got the credit limit, a key term in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX I had all my loans consolidated into direct loans and applied for and was accepted into the public service loan forgiveness program. I learned on XXXX/XXXX/XXXX that XXXX of these loans from XXXX ( which happen to be among the oldest loans ) were never consolidated. At that point, 2 years into the public service loan forgiveness program, I am told that they will have to be consolidated and the clock for these XXXX loans, which account for 20 % of my balance, will begin once this additional consolidation process is complete. 

This error leaves me with an additional two years of loan payments I would not otherwise have been required to make. 

I have presented this issue to Fed Loan Servicing via electronic submission and mail as well as phone calls made to the general customer service number and the ombudsman. The resulting communication from their representatives was that this has happened to others and the situation can not be helped. 

Thank you for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX

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 2017-11-13
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies.
According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Sincerely,

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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, XXXX XXXX  initiated ( pursuant to my request ) a redemption of two Series I bonds in the amounts of {$12000.00} and {$12000.00}, with my Capital One Bank savings account as the payment destination. Although two weeks have passed, the proceeds have not been deposited into my Capital One savings account. I have tried repeatedly to contact XXXX XXXX  both by email and phone. The email responses say that because of the volume of mail, I may not receive a response for XXXX weeks. When I've called XXXX  XXXX ( at least 5 times ), I've gotten a voice message that says that due to volume, they can not take any more calls. I was able to obtain online via my XXXX  XXXX account the trace numbers for both transactions and provided them to Capital One on Thursday XX/XX/XXXX. Today ( XX/XX/XXXX ), I received an email response from Capitol One saying that the trace numbers yielded no results. Afterwards, I called Capitol One Customer Service and Fraud Departments and was told that they could do nothing more -- that I would have to contact XXXX XXXX. I explained that it's impossible to reach XXXX  XXXX and asked that Capitol One contact XXXX XXXX. Capitol One staff told me that they could not contact XXXX  XXXX and that they would not investigate the transaction as a fraud because there has been no activity in my account. In other words, Capitol One is saying that because the deposits are missing, this can't be a fraud. This is incomprehensible. I'd appreciate any steps you could take to track down the redemption proceeds. As it now stands, either XXXX  XXXX or Capitol One has lost {$23000.00} that belongs to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: OH
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:
The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CCS Financial Services, Inc.
State: MD
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:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was contacted by a collection agency saying I owed money for a car accident I was never in. The collector claimed that I was driving a XXXX ( which I have never owned or driven ) and hit another vehicle, and refused to give my insurance information. None of this has ever happened. I requested a validation of the debt and all the documents the collector responded with were completely redacted, except for my name, former address, and social security number. I was never contacted by an insurance company, only the debt collector. I went to the police and filed a report, and while I was there the collector called and spoke to the officer. It appears likely that someone has given my name and filed a false insurance claim using my personal information. The debt collector was never able to tell me any thing about the accident, or the other party involved. 

I have repeatedly told the collector that I do not, and have NEVER owned or even driven the type of vehicle in question, and I was not in an accident of any kind in XX/XX/2016 as they allege. I have already filed a police report with the XXXX County Sheriff 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amex has report this to XXXX I never ever had a account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: WA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00}

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 2022-04-21
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2017-01-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving an email from XXXXXXXXXXXX subject line : lawsuit regarding a one time payoff amount for {$390.00} to ACE-Ace Cash Express total amount being {$750.00}. I do not know where this comes from and it does not show up on my credit report. 

" This is in reference to your CASE FILE NUMBER *** with XXXX in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. SO the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 

Your account with XXXX is in Final Collections. According to our records, your outstanding balance has been increased to {$850.00} .... We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$750.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a Capital One card with my ex husband that I thought was closed in 2015. All of the monthly bills were not being sent to me, instead they were being sent to an address that my husband had set up. He purposely maxed out the credit cards and made no payments on them. This was by no fault of mine and had no idea that the account existed. I have made repeated attempts to go thru the fraud department with Capital One to have my name removed from the account as well as attempted to have the bureaus remove the item from my report as well. This is my last hope as it is affecting my ability to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: Dyck-O'Neal, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. 

I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. 

I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CIG FINANCIAL LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
CIG financial is reporting inaccurate information to the XXXX credit bureaus. I have contacted XXXX multiple times and provided banking information showing how I was never 30 days late. The documentation that they showed me even shows that I was not late. They refuse to respond. I have disputed that information with all XXXX bureaus. XXXX is just taking their word and can not show evidence of me being late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
American Honda finance new 2022 discrimination lawsuit. After already discriminating it seems your doing it again without remorse I intend to seek full damages for lack of full disclosure and lack of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems Inc st ated that I owe {$1000.00} To  XXXX   XXXX  Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit sued me in XXXX County for debt my nephew, XXXX XXXX, defaulted on a credit card. I was not a cosigner on this account. This occurred in XXXX County Superior Court and XXXX XXXX Justice Court. I found this out because I am selling my home. Midland sued me in XXXX XXXX Justice Court and XXXX County Superior Court for the amount my nephew owes. Midland did this because I signed and beneficiary deed giving my home to my nephew after I die. That deed has been revoked. Midland had no right to sue me.

Company response to consumer: Closed with explanation