BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: BANK OF THE WEST
State: TN
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:
XX/XX/XXXX, I paid off the loan for my new travel trailer and printed the confirmation. Their system never generated any further information or confirmation of payoff, so XX/XX/XXXX, I called to ask when my title would be sent. I was told within five business days. After ten days, I had received nothing, so I called again on XX/XX/XXXX. This time I was told 10 to 15 business days and they had no idea where my title was at in line. I called again the next morning to attempt to speak to someone in the " back office '' the previous agent referred to and was told 10 to 15 days, and they had no further information. I called on my lunch break and this time, connected with an agent responsible for processing, who told me ( while on the phone ) that he had cleared the lien, released the title, and was processing it for shipment immediately. He said it would be sent XXXX overnight and I gave him my wife 's phone number for tracking. As of today, XX/XX/XXXX, I have no title, no tracking, and zero confirmation it has even been sent. 

I'm currently on hold waiting for a supervisor, because I've just been told by another agent that the title is still sitting in this " back office '' where it hasn't been sent and they're responsible for mailing it. It took multiple attempts to even get her to connect me to a supervisor, and she claims they have no way to actually even connect with this " back office ''. 

We are set to travel five hours out of state on XX/XX/XXXX to trade this trailer in XX/XX/XXXX. We can't do that without title in hand. There is no excuse for this kind of delay. This institution has multiple complaints exactly like ours online and its unacceptable.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

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 2022-07-28
Company: Credit Management Control, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Keep revolving throughout different collection agencies with harassing and threatening calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXXXXXX XXXX XXXXn XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX-This isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Keep revolving throughout different collection agencies with harassing and threatening calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
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 had money transfered from XXXX XXXX  to Citibank credit card company for {$10000.00} since XXXX, The Citibank credit card company received the funds on XXXX and they will do the invesgation for money first, i was waiting in about 2 weeks they said that was incorrectly credited to my account. They will rebilled the money back to the credit card company. I had contact the XXXX XXXX to notify them what was happenede and file a dispute charge, and received a response letter from XXXX XXXX stated that they never received a credit refund from Citibank. I needed to pay for the interest charge but never received the money.

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 2022-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 my car was repossessed and that day I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( chase ) without my permission and then the chargeback was denied the next day. The loan company, XXXX XXXX XXXX, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both XXXX XXXX XXXX and Chase countless times and neither of them state that they have the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX  I started a payment plan with true record to start in XX/XX/2022. On XX/XX/XXXX I received a letter from a law firm, referencing the true record debt that I made a payment plan on. The letter references the payment excepted with regards to the payment arrangement. I made with true accord, and also references that I do not have a formal payment plan set up. The attached information states otherwise. I was not informed that the debt was sold and trick. Our currently reports to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-06-08
Company: JPMORGAN CHASE & CO.
State: ID
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:
For months now my XXXX Amazon Credit Card serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX has been charging interest on each statement even though statement is paid in full each and every month for new charges. 
I do have an interest free transfer I did that expires in XX/XX/2023. 

I call each month and they remove the interest charge and apologize. Last month when I got my statement, I called once again and they removed the interest charge. I told them if happened again I was going to file a complaint. 

I just received my statement and again I have an interest charge that should not be there. 

I believe this is an intentional deception and they are doing it to millions of customers. But so many people dont notice or the amount as so small they say nothing. 

This needs to be investigated and charges brought. Im sure that it could be turned into a class action with a little prodding to the correct legal team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX, at XXXXXXXX XXXX  someone broke into my car and stole my purse, my Old Navy credit card was in my purse among other belongings. 
I called Old Navy customer service and reported the card stolen at XXXX XXXX and requested to close the credit card. Two hours later I received a text from customer service notifying me of suspicious activities on the card. 
Whoever stole my purse used it at a near by Walmart and made XXXX purchases, {$200.00} each. 
I called customer service and asked for an explanation as for how they failed to close the account when I reported the card stolen, they said it's under investigation and that I should receive a letter within 7 to 10 business days regarding the issue. 
I haven't received any letters until today XX/XX/XXXX. 
When they sent me a new credit card later in XXXX, I logged in to the new account, it's not showing any transactions on XX/XX/XXXX, the day of the Fraud Activities, all it shows is a balance transfer from the old account to the new account for the amount {$1900.00} and I had to pay the balance hoping that they would resolve the dispute and refund me. 
I made several calls to the customer service, all I hear is the dispute is still under investigation. 
I don't have a proof of the fraudulent transactions because I no longer have access to the old account and all they display on the new account is a balance transfer. 
I don't trust the Old Navy credit card company because of their poor performance and probably ill intentions.

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 2022-06-07
Company: EQUIFAX, INC.
State: LA
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:
Violation Of Fair Credit Reporting Acts 15 U.S.C. 1681 Section 602A Stating That I Have A right to privacy and 15 U.S.C. 1681 Section 604A Section 2 stating that a consumer reporting agency can not furnish an account without my written instructions. XXXX, XXXX, Equifax XXXX, XXXX, XXXX XXXX XXXX,, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAINE & WEINER COMPANY, INC.
State: MN
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:
under Consumer Law 15 U.S Code 1861 ( b ) Permissible purpose of consumer credit I did not authorize permission to report on my consumer credit.

15 u.s. code 1602 ( p ) the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 usc 1692b not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. Telling a third party that you owe a debt is illegal! First it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business.

15 US Code 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 


I contacted Caine & Weiner after finding a collection on my report on XX/XX/2022. I contacted the company and asked for validation letters and other documents to prove I had an debt owed, and instead the lady wanted to fulfill legal obligations on her end and not give me anything i asked for. she just kept dancing around my questions, and trying to collect money I have no knowledge of. 

I have student loans on my Report as well. The school I attended has put me in debt at {$16000.00}. XXXX  XXXX XXXX XXXX is in litigation and has been for quite some time now for Fraudulent & Misleading practices. There is a Fairness Hearing XX/XX/2022. The problem I have is when i contacted the XXXX  and XXXX  about the matter they verified " XXXX XXXX XXXX XXXXXXXX '' and did nothing about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX credit reporting agency has been incorrectly reporting my credit borrowing and repayments records. 
Experian is the only one of the three commonly used reporting agencies that published my credit score XXXX points lower than the other two. 
I had been denied loans and credits cards even from a bank that I have been doing business with for year. One that I had two loans with and a credit card, with no history of late payments in the five plus years on the lives of the loans. 
Due to the significant difference in my credit rating from Experian, I had been denied other cards and only approved for ones with very high interest rates. 

Apparently, you must join their Experian credit 'Boost ' program before they might correct it.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted XXXX  and they told me to file ftc report and they would remove unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been reaching out the the company since XX/XX/XXXX. I noticed I was being overcharged for my escrows. I emailed the company a copy of my tax bill to have my taxes updated and was told it would be completed within 2 weeks. 

On XX/XX/XXXX when I realized through my online account that the update was not done, I reached out again and again emailed the tax bill to the escrow department and was told over the phone it would be done in 5-10 business days. 

I do not have exact dates, but I continued to reach out about twice a month being told they received the tax bill I sent but the update was not completed. 

On XX/XX/XXXX, I spoke with a supervisor XXXX who was very disrespectful and condescending. She told me the taxes would be completed in 2 weeks ( XX/XX/XXXX ) and that I should trust her because shes a supervisor and if she says it will be done it will get done. 

I called today XX/XX/XXXX and spoke with another supervisor whos name I do not recall. He was respectful, but told me something entirely different. He told me my loan is automatically reviewed in XXXX. He could not tell me when in XXXX it would be done. If I had been told it would be automatically done in XXXX from the beginning then this would not be an issue. I have wasted hours across more than a dozen calls about this issue and I am still being over charged by more than {$200.00} per month for my escrow. I have no faith that my escrows will actually be updated at any point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation