BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied with Bank of America onXX/XX/XXXX to refinance my home loan. On XX/XX/XXXX I authorized XXXX the loan representative to charge my Bank of America Credit card to pay for a home inspection and credit report. The total cost was XXXX. We still did not have any movement on this loan and never received the home inspection nor the credit reports. After three months we told XXXX that we would like the XXXX back and to cancel the loan application as it was taking to much time. He called us back and stated on the voice mail that he would put the credit back in to the card. At sometime the end of XX/XX/XXXX we applied with XXXX XXXX XXXX and closed onXX/XX/XXXX. We have been calling Bank of America for over 10 months and they have yet to return our Money. The fee for the home inspection that we never got was {$420.00} and to run our credit reports was {$15.00} each for myself and my spouse. To date we have not been able to get Bank of America to return our money. XXXX assured us that he would refund out {$450.00} when we told him to cancel the application. We never received our home inspection nor did we get our credit reports. So I paid for something that I never received.

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 2022-09-04
Company: HYUNDAI CAPITAL AMERICA
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: Reporting company used your report improperly

Complaint:
I recently obtained a copy of my credit report and noticed inaccurate information. Kia Motors Finance is reporting a debt in my name ( XXXX ). I have never owned a XXXX and have asked them to provide proof that this account is mine whih they have refused to do.

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 2022-09-04
Company: Servatus Corporation
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report on XX/XX/XXXX I identified a discrepancy with account under XXXX XXXX XXXX  and validation was request as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is dispute and therefore a 2nd validation letter was sent out on this day.After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to attend to collect on this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. Account XXXX Credit Solutions Cor. Attached with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: OH
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 disputed the account with XXXX XXXX Acct # XXXX XXXX with XXXX, Equifax and XXXX XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed the account with XXXX ( Acct # XXXX ) with XXXX XXXX and Transunion. XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being 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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am having a problem with Transunion taking the hard inquires that are reporting on my credit report. I explained to them that I did not make them inquires and I even sent in my government state ID ' s and my S.S. card as they requested. Please do a follow up. Thanks.

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 2022-09-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ive had multiple issues with this bank, I believe I had been a victim of identity theft so I tend to lock my card, somehow unrecognized charges still penetrated through this barrier chase spoke so highly of. 
I filed a dispute XX/XX/22, and on XX/XX/22 I find out my account has been restricted and is closing in a few days. I also recieved a letter stating that I could possible resolve this issue if I submit the documents they requested ( also didnt tell me which documents ). Ive went to several institutes and called every number I found associated with Chase to try to resolve this issue and no one could tell me anything. At this point I just want my funds. 
I was told over the phone that it was at the discretion of the banker whether or not they want to give me my funds, but the banker is telling me I have to wait until they mail it, because I still had pending transactions. They couldnt even give me my savings which had no transactions. 
Multiple people have told me it would take 10 days everything to clear and send my check. 10 days have passed and Im still receiving these unsure and suspicious answers. It feels like theyre giving every excuse to stall and keep my money, but I will not allow that. 
I have went to the bank a numerous amount of times and I just want my money and to be done with Chase for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Monterey Financial Services LLC
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
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:
Loan are up to date for the past 11 months and credit reports shows 90 day past so and affixing my FICA score and ability to refinance the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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 XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.

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 2018-04-28
Company: GVA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a short term payday loan with this company. I did not realize they had no recourse for early payoff and would make me pay a total of 20 payments in the amount of XXXX. I borrowed only {$650.00}. When my paydate came at an incovienent time, I tried to resolve it by asking for a 4 day extension of my payment. To this date I have make 5 payments of {$190.00}. I was told I could skip one payment but they did not tell me until it was too late and loan payment was being processed through my bank. The payment was returned and I had already explained that would be the case and I could not control it. So far I have paid over {$960.00}. I understand they need to make money, but the fees are exorbitant and present a hardship for me. It is my error, but I also have never encountered a situation where there was no reduction in payment for early payoff. I am happy to pay what I borrowed, but I don't think paying over {$3000.00} makes complete sense. At this point they are saying I still owe over {$2900.00}. I am not naive to payday loans, and its not always the best use of my money, but it was a circumstance that I needed to borrow the funds. Is there any recourse for this situation that can help to mitigate these high charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because CAPITAL ONE NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.CAPITAL ONE reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: National Credit Systems,Inc.
State: NJ
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:
This is fraudulent debt made the credit score drop XXXX points. There has been no written notice or verification of this debt It does not belong to the issuer of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: BlueChip Financial
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I requested a validation letter regarding the alleged debt. I have not received the letter. They continue to send me a payment plan. 
On XX/XX/XXXX, I contacted the original copy of the alleged debt and they informed me that the debt was sold to a different company than the one I continue to receive calls from. 
On XX/XX/XXXX, I sent letter via email to the company requesting a validation letter showing that they now owned the alleged debt or was a representative of the company that owns the debt. They continue to refuse and argue that they are going to garnish my wages or take me to civil court.

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 2017-08-24
Company: General Motors Financial Company, Inc.
State: MO
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:
Lender never sent me a lien release letter as required under Missouri law after the loan was paid off under bankruptcy discharge and payment plan completion. I am trying to trade in the vehicle and requested a lien release letter which lender stated they mailed by US Mail on XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span>. As of XXXX, the lien release letter has not been received. I called and tried to verify the address it was sent to ( which was correct ) and to request an overnighted replacement lien release letter on XXXX. Lender stated they would not replace the lien release and would not overnight. They however have no tracking information to support the claim they have mailed the document. I gave the lender 48 hours to overnight a replacement and they refused. I was referred to a manager who never returned my call to follow up. I need this document to sell a vehicle I no longer need. There has been every opportunity given them to deliver but they did not send a lien release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: Clark County Collection Service
State: CA
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 've complained on this issue before in conplaint # XXXX. XXXX XXXX XXXX XXXX keeps pushing a fraud packet, that wants me to give them all kinds of my personal information, that I do n't feel comfortable giving out. I asked them to prove that the so called account is mine. I am not doing their job for them. I want to see proof that the account that was XXXX XXXX is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
This is regarding an account listed on my credit report byCAPITAL ONE AUTO FINANCEunder account # XXXX I sent a dispute letter regarding the information that XXXX  and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times XXXX and XXXX  responded by stating that they full verified the information on the account as  100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation XXXX attached ) from Capital One showing a balance of {$7600.00} since XX/XX/XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that XX/XX/XXXX and XX/XX/XXXX could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XX/XX/XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from CAPITAL ONE AUTO FINANCE that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: IA
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 following collections account and debt listed on my XXXX XXXX, XXXX and Equifax credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: UT
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: SYNCHRONY FINANCIAL
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:
On XXXX I brought a leather jacket from XXXX XXXX XXXX XXXX   XXXX total cost {$110.00} On early XXXX I called Pay Pal to report this was a scam and fraud. They was to put a hold on account. 2 mounts later case was solved on my be half. 
XXXX was credited back on my account. but was billing me for late fees of XXXX. 
Now account was put on hold and was not to charged late fees or anything else. call Pay Pal but no one knew what I was talking about. still getting bills for late payments for a scam and fraud case. now I was turned for a small loan for lawn mower.

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