BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX XXXX and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with XXXX in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. XXXX was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I have asked both XXXX MCM, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of MCM/XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX, I went to the payment office at JD Byrider at XXXX, ohio XXXX. I have been a paying customer there for 3 years, I am purchasing 2005, chev cavalier. ( my payment was refused ) The total amount of my loan was {$12000.00} plus mis fees and interest. My loan is now under {$2500.00}. At this time I have been making double payments due to some missed payments in the past. The contract is written to pay {$180.00} biweekly. For the past several payments I have paid {$360.00} every 2 wks to get caught up. This day on XX/XX/XXXX I only had {$300.00} to pay, however, my payment was refused all together, I was asked where is the car they are coming to repo it. Due to the fact I have been making double payments in the past no payment no matter what amount I have should be refused. 
I said so you are refusing my payment and the lady said yes we are reposing the vehicle. 
Since I have purchased another vehicle, I am making 2 car payments a month totaling over {$600.00}. The reason I still have the car from jd byrider is because it is not worth what is owed and when I purchased my new car they would not take my car as trade in they stated not worth the hassle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Commonwealth Financial Systems, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They're trying to collect on a very old debt and recently added it as a derogatory account to my credit report after it had previously fallen off due to statute of limitations and the fair credit reporting act. They additionally have provided nothing in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
hi my name XXXX XXXXXXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to XXXX about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my XXXX  XXXX  XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  de XXXX same thing i tall them to take of but they not do it XXXX XXXX  XXXX XXXX XXXX  de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXca XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to XXXX  agian XX/XX/2021 the bereau toll me they cant do anything

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 2022-08-25
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}

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 non-monetary relief
Consumer complaint received 2021-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Case Number XXXX with Capital One for Platinum Mastercard ending XXXX. 
A total of {$2000.00} excessive, fraudulent charges were debited to my Capital One credit card by XXXX. I was a new customer to XXXX in XXXX and authorized {$49.00} to be charged to my account for electricity. I disputed a charge by XXXX in the amount of {$1700.00} on XX/XX/2821. The other excessive charges in 2021 were as follows : XX/XX/XXXX 3 {$49.00} each total {$140.00} XX/XX/XXXX 1 {$49.00} XX/XX/XXXX 1 {$84.00} The total excessive charges is {$2000.00}. These charges have been declared excessive and fraudulent by Texas Attorney General, XXXX XXXX. XXXX has filed for Bankruptcy and is not in a position to issue a refund. Capital One at first credited the {$1700.00} and then re-charged my account negating my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am having a problem having my returns credited with Amazon credit card from synchrony Bank. 
I have the following returns, XXXX. Glasses XXXX I returned an XXXX. 
XXXX Shoes I tried talking 2 them. One person asked me what did i buy. 
Another was just rude. 
Another started talking about an account summary 2 weeks ago. 
I want to have my account credited.

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 2015-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: AZ
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:
FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO XXXX creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 2021

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 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I missed a month 's payment and then another. I have spoken with them several times about making my payments. After I have made a payment they continue to call and harass me about when I will make the next payment. They call sometimes twice in a given day. The last message they left was very aggressive. I made a payment XXXX XXXX, 2016 ( XXXX ). I made another payment XXXX XXXX, 2016. I intend to make another payment XXXX XXXX, 2016. I do not wish to be harassed by Capital One when I am doing my best to become current with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Capital 1 card in XXXX of 2014. Received XXXX invoicewhich I paid on time every time. Did n't receive an invoice, calledthem & found out my account had been hacked. They gave my cardand info to someone else. {$1300.00} worth of charges. They didcredit me, yet the Fraud Dept was horrible ... ... .this dept needs fixed. 
Man was rude and never called back. I called over XXXX times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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:
I currently have several pieces of incorrect information reporting on my credit reports. I would like to have this information corrected and/or deleted so that it can stop negatively affecting my credit score. On my XXXX  report there shows a XXXX XXXX XXXX account which is reporting as a repossession, however, the car was never repossessed. It is also showing that after the alleged repossession the account was then paid on time for six months. However, my Equifax report is reporting correctly in that it was paid and closed as of XX/XX/2014. This account should be removed from my XXXX  report for this inaccuracy and for the damage they have caused me over the last almost 7 years or even better to correct the account status to reflect paid as agreed and never late. My credit report also shows a collection account for XXXX XXXX. I never opened an account with this company and they have not provided me with any proof that I owe this debt. This account should be completely removed for being invalid. My report also shows an account with XXXX XXXX. I do not owe this account. I have requested documentation from XXXX to validate this debt and although they have sent me letters stating that they have received my request they too have not provided any evidence that I owe the debt. This account should be completely removed for being invalid. And finally Equifax is reporting a debt from XXXX for {$19000.00}. This account is more than XXXX years old and should also be removed from my credit report for being past the statute of limitations. In addition, XXXX  and Equifax are reporting inquiries that I never authorized and/or that do not have permissible purpose. I have attempted to contact the corresponding companies, however, they have not taken corrective action on my credit report. I am requesting the bureaus help in having this information removed from my credit report. Lastly, my reports show an address that is associated to a business address not my personal address and I would like to have all references of this address removed from my personal credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the XXXX but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX  and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: FIRST NATIONAL BANK OF OMAHA
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 XXXX XXXX Sales and Rentals of XXXX XXXX XXXX XXXX WV XXXX started processing a new merchant account / credit cards through " XXXX product of First National Bank of Omaha address XXXX XXXX XXXX XXXX XXXX Member FDIC XXXX. XXXX XXXX number XXXX with a Point of contact of XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX. 1. First problem no written/signed copies of your signed agreement with the Bank and us, none was provided back to us. 2. The Bank rates differ greatly from the in writing promised rates. 3. Fees different as promised. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I wrote the following email " Dear XXXX, I just got my bank statement and XXXX XXXX is {$800.00} more than what you quoted us. You Promised we would save {$200.00} on our fees so, that makes us {$1000.00} in the red. Please contact me as soon as possible. '' Reply on XXXX XXXX XXXX the following- " XXXX XXXX ', checking the situation out. What ever, their will be a credit on next months bill to straighten things out. Frankly, I believe it was the XXXX " SALES SUPPORT '' teams fault. I had a bad feeling about the situation when I sent the deal in. The " Sales Support '' team member did n't fully understand that we had done a price comparison program with you all and he entered the rates as if it were a new account accepting credit cards without the card holder being present. That rate is higher, but we had worked out a comparison program based on your previous statements. In my talking to XXXX regarding this it seems that the Sales Support Team Member I got who 's job it is, is to see that applications are filled pout properly took it upon himself, without consultation with me, to enter the rates as if XXXX XXXX was a new merchant with no processing experience. So he, the Sales Support Team member entered our highest rate. I was told the Sales Support Team Member was a relatively new employee and not totally familiar with systems. I am getting it straightened out and will have credits issues for this most recent months statements and last months partial statement.I 'll call you when I have more definite word. I deeply apologize for the mistake and inconvenience. XXXX XXXX " XXXX '' XXXX XXXX " XXXX was to be 2.25 % now 4 %. Has been no further contact from anyone at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My credit score dropped 114 points for no reason an Equifax can't tell me the reason, I have not use my social security over a year now and 144 point just vanished. there also reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: General Motors Financial Company, Inc.
State: SC
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, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604- A, SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXX complaintI wrote a check for {$1900.00} and change in the number amount and then spelled out a different amount only XXXX XXXX on the line. They didnt pay the check person or didnt let me know they cancelled it until the tax office sent me a letter that added a few XXXX more because of late fees that i thought was done months ago. Thanks to them i need to pay XXXX plus extra in late fee. 
XXXX complaintI call to get help if they can get a XXXX time security code taken off my account because it is not a XXXX time thing its every time i get on line to check my account. Ask to get help and the lady wants a federal tax number for what its a security " XXXX time thing '' but happens EVERY TIME I LOG ON. I did n't ask for a password or user id i have all that but I want to say Bank of Hawaii I will never do buisness with or would n't recommend it unless you enjoy useless type of customer service. The person i signed my buisness account with changed banks and i am in the process of moving to its just a warning for the rest who want service and help look elsewhere its guarentee better.

Company response to consumer: Closed with explanation