BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Select Management Resources, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Theres a hard inquiry on my Transunion report for a credit card I never applied for, XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And Transunion said I had to report it with the Federal trade commission before filing dispute

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 2017-10-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.

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 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called Capital One to explain I had lost income due to Covid 19 and asked about programs to prevent the interest rate from continuing to accumulate. They could do nothing for me. My other card has no interest for a year so I decided to pay the fees to transfer the balance from Capital One to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent the money to Capital One on XX/XX/XXXX ... Capital One continued to charge me interest on the over {$2500.00} and did not process the balance payment until XX/XX/XXXX. 10 Full Days is a ridiculous amount of time for them to continue to charge me interest during such a horrible time. Their lack of compassion and willingness to assist a client in a difficult situation cost me over {$100.00} in fees to transfer funds. I don't feel I should have to pay interest on that balance for all those extra days they chose to take their sweet time squeezing me for more $ XXXX 

I tried to call them but they said it would be over an hour on hold to talk to them. I decided I would handle it in a more time friendly efficient manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX XXXX, 2017 I sent a certified letter to Experian, XXXX, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.

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 2022-06-10
Company: RFNA, LP
State: MS
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:
Republic Finance -S has violated my right with extremely inaccurate reporting. They claim the account is in charge off after the closing date which none of the 3 bureaus are reporting. they are reporting inaccurate and scattered payments and charge off. the last activity is either missing or different for all bureaus. payment status is incorrect and different with all bureaus of missing information. How is this possible? I've tried to dispute but no one cares. These are grounds for removal. if they don't report the exact same information it has to be removed They also violated my rights under 15 usc 1681s-2 / 15usc 1681 section 602 A / 15 usc 1681 section 604 A section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 National Credit Adjusters was sent a debt validation letter to validate debt that is reporting on my credit report in the amount of {$1600.00} XX/XX/2021 National Credit Adjusters contacted me by mail confirming the debt needed more time for investigation and they would be ceasing collection efforts and if the account is being reported to the credit reporting agencies they would update their entry to reflect the dispute After that letter I never received a response back from National Credit Adjusters my credit report was never updated and is still reporting without debt validation to this day XX/XX/2021 I sent another letter debt validation letter with no response at all It is almost one year later with National Credit Adjusters still showing on my credit report and no type of debt validation letter being sent to me I need assistance with an investigation for National Credit Adjusters not following FCRA guidelines Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX CO ) XXXX Open Date : XX/XX/XXXX 2019 Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) XXXX Open Date : XXXX XXXX, 2020 Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Secret XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX Ct, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX Wy, XXXX XXXX XXXX CA, 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 2020-01-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cash Central tried to collect for a debt from 2011. The debt was sent to XXXX XXXX. This account is too old to be reported, and it is also not my account. I recieved no communication from XXXX XXXX on it. They put the info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX. Did not contact me about a court date and is taking more money out my paycheck every payday than what the court order. This debt is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2022-08-17
Company: EQUIFAX, INC.
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX CO ) XXXX Open Date : XXXX XXXX, 2019 Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) XXXX Open Date : XXXX XXXX, 2020 Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Secret XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX Ct, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX Wy, XXXX XXXX XXXX CA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: NC
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 have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.

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 2017-07-24
Company: EQUIFAX, INC.
State: NC
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 have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In the fall of 2020, I needed a free credit report and went online to get one, using Experian*. After I submitted the information, the website stated that I could have it immediately, and not wait, if I agreed to sign up for a monthly service. The service could be cancelled by calling a phone number, so I decided to sign up. 

A month later, I tried calling their special number -- but it was always busy. 

Then I called again -- and entered all of the required information ( e.g., SSN, birthdate, etc ) -- and it would ask, " Do you want to cancel? If so, Press XXXX ''. Then I would Press XXXX, and it would say, " We need more information to process this '' -- and take me back to the very beginning where I needed to enter SSN and birthdate. I would do all of this, and once again, it would say, " We need more information ... .. '' Because of this 'infinite loop ', you never get to cancel!!

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 2018-12-02
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XX/XX/2018 i send money through XXXX XXXX XXXX dollar but I put wrong account number but it shows complete it suppose to refund I called the customer care they tell that contect with receiver bank I already contact they saying not credit in bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report  online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.

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 2017-07-25
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On    XXXX   XXXX   2017, we paid our HE LOC balance in full.   Prior to payment we called Chase Mortgage to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not m ake a  XX/XX/2017  pa yment, as full pay-off would be made  72 hour s later.   We were assured it was ok and there would be no problems.   B ut Chase cre ated a major problem for us, by reporting a " late '' paym ent on  XX/XX/2017 , when  they assured us they would.   As the full amount of the loan, not just a monthly payment was made 3 days later and  Chase knew it was coming, from to notifications ; one from our phone call and the second fro m the  XXXX   XXXX  notification of pay- off seven days  earlier, it was unfair of Chase Mortgage too harm our credit with a late report.   The  Credit Rating companies - XXXX  - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

Company response to consumer: Closed with explanation