BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: United PanAm Financial Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In 2014 United Auto Credit repossessed a XXXX XXXX XXXX from me. I was never sent a proper and timely notice of right to cure under laws afforded under the State of Colorado, UCC 9.506 and State RISA and MVISA statutes regarding claimed deficiency. I have requested copies of legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle, but they have not been provided. I have contacted all major credit reporting bureaus and have been informed that United Auto Credit has validated that this is a legal debt, however upon request, NO information regarding the legal transactions of Right to Cure or certified proof of resale could be given. My legal rights afforded under the Colorado Revised Statutes and the FDCPA and FCRA have been greatly violated.

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 2019-08-07
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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX  XXXX  and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CNG HOLDINGS INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX   were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, XXXX XXXX are trying to collect the 'non ' debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
MY DISCOVER CARD WAS CHARGED FOR 2 CHARGES ONE ON XX/XX/XXXX FROM A XXXX   XXXX XXXX FOR XXXX AND THEN IN XX/XX/XXXX FOR INTERNATIONAL TRAVEL FOR XXXX I CALLED DISCOVER TO REPORT FRAUD ON BOTH CHARGES AND THEY NEVER GAVE ME MY MONEY BACK. I NEVER DID BUSINESS WITH THESE SAID COMPANIES AND I NEVER AUTHORIZED ANY OF THESE CHARGES. PLEASE HELP ME GET MY MONEY BACK PLEASE. THEY ARE ACCUSING ME OF MAKING THESE CHARGES AND I DID NOT AT ALL. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXX  I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX  XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXXXXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: AVANTE
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXXXXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX XXXXXXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
why are XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reporting late 60, 90 days late on XX/XX/XXXX and XX/XX/XXXX?  Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Exeter Finance Corp.
State: GA
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:
I sent in multiple reports still no cooperation. They refuse to remove this from my report have filed police report and ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XXXX of 2021 I started applying for a mortgage with Webster bank and specifically a XXXX XXXX, an underwriter. It was explained to me that commercial realestate can take 2-3 months to close especially because of how busy appraisers are. Initially I gave a {$3000.00} check to Webster for the appraiser. Later the appraiser would only be {$1300.00} but the remainder of the {$3000.00} deposit I gave would go towards additional fees. I was also reassured my rate was locked and provided only one commitment showing a mortgage rate of XXXX from Webster. After the closing I contact the underwriter stating I was due a credit of more than {$500.00} after their fees and appraiser. The underwriter then credited me the remainder. I received my first mortgage payment and noticed the amount was higher than what was discussed. The underwriter stated to me that a page I signed would allow Webster to change the rate upto 5 days before the closing. I was lied to verbally and I did not get anything from Webster showing a rate change even days before I closed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After 13 years of good standing with Bank of Oklahoma, they sold my mortgage after signing me up for " 3 months deferment with no fees to be tracked to the end of my loan due to COVID ''. 
Before that 3 months was up, they sold my loan to Freedom Mortgage. This was 2 years ago. Freedom Mortgage has yet to send me a bill with a monthly payment and due date. I call them at least once a month every single month. After 2 years they FINALLY sent me a packet and I signed and had it notarized and sent it back within the deadline given. To this day they still say they didn't get it even when provided with who signed for it and when, as well as the tracking number. Their negligence has caused them to add an additional 10 years to my mortgage. Today I get a package asking me if I want to save my home and asking for financial documents they got long ago and more than once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 No Action was taken and this is not the first time. this has happen several times. I Don't Remember the Dates though sorry for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: IL
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  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-06-20
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX/XXXX/2016, Cash Advanced {$600.00} with our Social Security XXXX XXXX XXXX. Zions National Bank could not find the {$600.00} cash advance so they ran another {$600.00} on XXXX/XXXX/2016. This mistake held {$1200.00}, all of our income. The supervisor XXXX XXXX XXXX at XXXX, stated " that it was the same {$600.00} and they had not made any mistakes. Contacted XXXX XXXX and they explained that Zions had forced through the 2nd {$600.00} and we would have to obtain a letter from Zions releasing the 2nd hold. XXXX XXXX insisted that it was the same {$600.00}, refused to issue a letter releasing their hold. We had to wait 10 days before the Zions hold would fall off, during these 10 days, we had no $ for XXXX. We spoke with 9 people, and numerous times with XXXX XXXX. During this 10 day waiting period, we begged XXXX XXXX to consider helping us, after all, we have had an account for 29 years. We contacted the Branch Manager, XXXX XXXX, he refused to help us, a 3rd party performed their cash advances. We suggested a letter from XXXX XXXX, their records showed a double hold, he refused to accept the letter, they had not taken a second hold. On the 10th day the Zions 2nd hold fell off and our {$600.00} was released. Zions Bank, insisted that they had done nothing wrong, and could not figure out what happened. Because they did not know what caused the problem, we felt it necessary to file a complaint. XXXX XXXX is a government agency and they knew what happened, Zions refused to admit any fault in the matter. XXXX XXXX, Case # XXXX, sent me {$80.00} in XXXX 's coupons in XXXX, we have closed our account. They had a nice XXXX, we will never forget we did n't have XXXX because of Zions.

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 2017-06-20
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the account was paid in full XXXX to collection agency. The account is still stating that it is past due/unpaid on my credit report. I called the collection agency about the situation and they are very rude and disrespectful to clients. I requested for a paid in full letter and a request to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: NRA Group, LLC
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 spoke with XXXX XXXX regarding an " ESTIMATE ONLY '' on getting new XXXX. They told me they have " FREE EXAMS ''. I gave my insurance information over the phone and explained to them that I was looking around and getting evaluations of prices on XXXX. I was told that they give free evaluations. I also explained that I had the X-rays that were only days old from a previous XXXX. They told me to bring them with me, which I did. 
Upon arriving, they insisted that the XXXX I had brought wouldn't do. And it was " FREE EXAMS ''. 
Then they took new XXXX and looked into my mouth and sent me back up front to the receptionist. She told me the price and already ran a " credit account '' for my payments. I was EXTREMELY upset and told her that I was in BANKRUPTCY and could not apply for credit, I told her that she was going to cause me to lose my home! I told her this was only an EVALUATION, nothing else. I fully explained myself at each point of service that I was looking for prices only! 
I had to immediately contact my BANKRUPTCY ATTORNEY and the CREDIT COMPANY who SHE APPLIED WITHOUT MY CONSENT that I DID NOT DO THIS!!. Then they have the nerve to Bill my insurance and to me,, which " FREE EXAM '' is {$.00}. I have explained every time they called for payment. They refuse to do anything. This is BLANTANT FALSE ADVERTISEMENT. Now it's been affecting my credit rating and I'm working on getting out of Bankruptcy next year. So I've been trying to fix the problems now. 
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$74.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-06-20
Company: Nelnet, Inc.
State: NV
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:
My student loan was suppose to be deferred until XXXX. Late XXXX XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all XXXX credit bureaus that I was late and it dropped my score XXXX points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay Nelnet {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to Nelnet that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted Nelnet repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, Starting in XX/XX/XXXX I established a monthly membership with XXXX XXXX XXXX for XXXX a month. I had this membership for 6 months ending XX/XX/XXXX. Since the start of the membership, I called the XXXX XXXX XXXX on multiple occasions to schedule a home service. Every time I have scheduled an appointment they failed to show up for repair. I had scheduled repairs at least on 8 different occasions during XXXX, XXXX & XXXX. Since I was not able to schedule time for the repair I have called to cancel my contract and called CapitalOne to refund my monthly dues of XXXX for 6 months. 

Capital one refunded my account for all of the months, but came back and charged my account for 4 months. As a result, I was refunded for only 2 months. I am disputing the 4 months and requesting that I get refunded fully for it. When I called CapitalOne they refused to share any documentation explaining why I am being charged for 4 months out of six. By refunding 2 months out of the 6 months XXXX has admitted that they have failed to provide the contractual agreement and I should get refunded for all of the months. 

Here are the transaction dates as they appear in my statement. 
XXXX XXXX XXXX XXXX Date Post Date Amount XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regional acceptance corporation removed a negative item from my report but then added it back.

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