BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
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, XXXX XXXX XXXX Account # XXXX  OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, States that a consumer r eporting a
gency can not furnish an account without my written instruction
s.

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 2020-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the US XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired   XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Delbert Services
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX / XXXX / 17  I got a call from  XXXX  and  XXXX  left a voicemail stating to call  XXXX  about a debt owe. I was asked to call  XXXX  ext  XXXX . After advising  XXXX  I currently have no money to give but do feel I owe the debt, not sure of the amount  XXXX  proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised  XXXX  if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-12
Company: Colony Brands, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit report to find that I have a negative claim  from Swiss Colony ( A ccount #  XXXX  ). It states that the date opened was  XXXX   XXXX ,  XXXX , was then closed, charged off and the status updated  XXXX   XXXX ,  XXXX  and the balance is {$640.00}. Last updated  XXXX   XXXX ,  XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at  XXXX   (   XXXX   )   XXXX . The representative told me that I ordered throughout the last few years and that my  s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me.     I called bac  k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score.
Thank you in advance for your help.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-29
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a XXXX XXXXXXXX XXXX representative. The person identified himself and called from the XXXX XXXX customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via Zelle from my XXXX XXXX debit card that ended in XXXX The person told me I needed to log onto the XXXX XXXX website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via Zelle back into my account. Initially I was unsure if the person was an actual XXXX XXXX representative, but since he called from the XXXX XXXX phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with Zelle. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to XXXX XXXX customer service. I spoke to a XXXX XXXX representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from XXXX XXXX on XX/XX/2021. XXXX XXXX informed me that the bank contacted Zelle to try to get refund on three of the four claims. XXXX XXXX also informed me that the bank is at Zelles mercy and Zelle does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The  Discover Card is sued new cards for me on  XXXX / XXXX / 2017 . I also received an email on  XXXX / XXXX / 2017  that security breach occurred. I called today customer service to find out if my card was affected. The customer rep stated that the company received a message fr om one of its merchants that a security breach occurred. I asked which merchant was affected as I do not plan to use it. The rep declined to provide the name stating its privacy agreement. How do I protect myself against this? I think the Discover company should be transparent in letting know its custo mers which merchant has security weakness so the customers can make the decision whether to use it understanding the dangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a " New Balance '' on a Capital One Platinum Credit card of {$340.00}. I paid {$380.00} in two payments before the due date of XX/XX/2018. I was charged interest on the New Balance despite the language on the credit card agreement which states that if the New Balance is paid before the due date, no interest will be charged. I called the credit card company but they refused my claim. I paid the balance on the account and closed the account. However, I feel the practice of the credit card company is illegal and is not typical of the other credit card companies I do business with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: GA
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 called American Express about a week and a half ago to make two payments. The representative took my request over the phone for {$600.00} and {$400.00} and I was told later that my payment was returned for insufficient funds which was not true I had sufficient funds .I tried to make the payment again this time for {$1500.00} this next rep only confirmed the last few digits of the account so I never would have known that the first rep failed by not typing in one of the beginning XXXX  digits. That then got returned both times American Exoress put a 4 day hold on the payment so I was not able to use my card. Now that it is a week and a half later I tried to call them to make a payment again and they say not only will the hold days increase to another 6 day hold even though it was their error that caused this they tell me that every payment I make going forward no matter which account I pay from will be a 6 day hold. This is the worst credit card Ive ever had. They refuse to compensate me for all the pain, suffering and damages Ive endured from their error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX about XXXX i was supposed to quickpay through chase my ex girlfriend some money for rent under the agreement that she pay me back. I send the XXXX dollars only to realize i sent it to the wrong number. I call chase they say i was scammed and they can not help. I contact the person who received my money and they inform me they will send it back. They then lie and say they sent it to the wrong number and then proceed to block my phone number from contacting them. I just want my money back this isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i applied for a Bank Of America credit card to earn promotional XXXX XXXX flyer miles. the card came and the interest rate was outrageous compared to my good credit score. i immediately contact BOA to cancel. now 7 months later and 3 additional requests to cancel this card, it is still active on all of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a call from Freedom Mortgage in early XXXX that my mortgage was 30 days late. I instantly paid it. I told them I was affected directly by Covid 19 and was self quarantining and stuck in Massachusetts during that time and had thought I set up automatic payments back in XXXX. They were very unprofessional and the guy I spoke to XXXX was working from home and spoke to his wife the entire time. He assured someone higher up would call me back about deleting the 30 day late payment due to the pandemic and the fact I never missed a payment before and was frantic that month due to my sister having covid 19 and me being a single mom of XXXX kids and being stuck in another state that had a shelter in place. I have proof of being in the other state by plane and couldnt return home. I emailed the CEO and he forwarded my request to a vice president and she said she can't do anything to help me. I find this company is very unreasonable and now I can not buy the 2nd home I was trying to purchase. 

If I had received a call before the 30 days which I have proof of the voicemails from the entire month I would never be in this situation.

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 2017-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-10-29
Company: FORD MOTOR CREDIT CO.
State: NY
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:
Ford Motor Credit company on XX/XX/XXXX agreed to release the lien on my XXXX XXXX XXXX title electronically to the NYS DMV, once I title it in NY. The vehicle is titled in NC a title holding state held by Ford, which I need to transfer the title to NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now

Company response to consumer: Closed with explanation