BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX Capital One Acct # XXXX Auto : XXXXXXXX XXXX XXXX Last Payment Made : XX/XX/XXXX ( Automatic Payment ) Amount : {$180.00} Agreement Illegal Repossession Please be advised that I have been in a payment arrangement with Capital One Auto Loan making payment through automatic pay every month. Capital One takes the money out of my bank account from my social security XXXX check the first week of every month. On XX/XX/XXXX I went outside to find out that the car was not in front of my house. I called my local precinct XXXX and as per the police officer findings he stated that Bank Repossession was Reported. I spoke with the bank and they stated that the was a {$400.00} dollars repossession fee assessed I asked why have they not sent me a notice to my home or call me, they stated Do Not Call in which we have never noted and that must have been done at their end but since there is an automatic payment agreement might have NOT been a need to call me. I stated to them that in the 5 years that I have had the car that I have never had said problem. I explained that I've been the one calling them requesting for a vehicle modification due to Global Covid-19 Pandemic " Hardship '' and Landlord/Tenant problems in which tenants were not paying rent causing for me to call my creditors requesting loan modification, forbearance agreement, vehicle modification, and other type of payment plans in order to keep my account " Active '' and in good payment standing with my creditors. As a Consumer Financial Protection Bureau, I would like for you to contact Capital One with my complaint since now they want for me to pay over {$2300.00} dollars when they have been taking the payments themselves out of my bank account. 
I want for them to reconsider their action as illegal repossession and I want for them to get my account back as " Active '' and in good standing with the credit bureaus as well as with their internal financing. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I visited a Bank of America Atm in XXXX, Ca ATM ID : XXXX. I deposited XXXX checks for {$1400.00}. {$900.00}, {$900.00} a total of {$3200.00} in the ATM. There was a ATM malfunction and the atm only credited my checking for {$900.00}. I called BofA to file a claim and they eventually credited my account for the difference of {$2300.00}. Then they completed their investigation and took {$900.00} back. They told me that they could not find the other {$900.00}, that the atm may have destroyed it. This is a flimsy XXXX excuse for their poor atm machines. BofA have my {$900.00} and refusing to return it to my business checking ending XXXX. Because they can't find it, I have suffer. I called in again and I faxed over some docs for proof evidence.

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 monetary relief
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a new Comenity Bank user due to an application for a Lane Bryant store card. After receiving my card, I have been attempting to create a new account and make a payment online for several days. My payment is due tonight. Charge of {$41.00} late fee plus interest is possible. I have not been able to reach online and telephone service ( XXXX ) gives a generic " system update '' message and hangs up. I tried calling the store, but they are not able to support this Comenity bank service or receive payment. There are no communication options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NJ
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. XXXX XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today, I received a call from RT and Associates. I was provided with Case ID XXXX stating I was being sued by Chase Bank for a debt from XXXX. I stated I have no knowledge of this debt and have not received any correspondence to verify the debt and I am not going to go by a phone call. 

The rep XXXX XXXX became irate with me and stated I made payments to the debt, I advised I do not even recall the debt due to the length of time. I informed him, I filed bankruptcy XXXX XXXX XXXXn XXXX and any and all debts on my consumer report were included on the report. I did not have a chase account on my report because based on my calculations that would have been removed at the time. 

I am very disappointed in the way this representative talked to me and the failure to provide documentation to support their claim. 

Forward to- Chase Bank Forward to R.T. Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I ordered my credit report through XXXX as instructed by the FTC Consumer Information web site on XX/XX/2020. I ordered a credit report from TransUnion. This required the submission of a social security number, date of birth, address, and answering security questions. My report came back for someone else with a different date of birth and a different social security number. I clicked the Initiate Dispute Button and then Start button on a new page to open a dispute and nothing happened. I clicked Found an Inaccuracy and nothing happened. 

I was able to obtain correct credit reports for my wife and me from XXXX with no issues. My wifes credit report from TransUnion was fine. 

There is absolutely no excuse for providing a credit report for someone with a different social security number and date of birth. I have enough information to steal this other persons identity. 

You NEED to contact me for the other person 's information.

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: Credit Karma, LLC
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Please accept this letter, certified mail & return receipt requested, as an official complaint. From XXXX thru XXXX  ( current  ) I have been subscribed to credit karma services. During this time I applied for multiple lines of credit and was denied with few if any approvals. Specifically, the credit karma platform claimed I was either pre-approved for a new line of credit or that my approval odds were either outstanding, excellent, good, or fair. In reality these overinflated odds of approval were deceptive and quite harmful to my credit score. Said platform also deceptively claimed to offer lines of credit from soft pull inquiries when in fact they were hard pulls. Corrective action should be in guidance with the the FTC recommendations for being in violation of Section 5 of the Federal Trade Commission Act. Said platform falsely represented that I was pre-approved for credit offers and/or falsely represented that these offers were soft pulls when in fact these were hard pulls. This was a negligent and malicious marketing campaigns designed to trick me into taking specific actions, like applying for a credit card that I was allegedly preapproved for. This deception was for financial gain. My credit has suffered as a direct result of these unfair practices. I already demand to credit karma the following hard inquiries removed as I did not consent to such or was misled with approval odds. 

XXXX : XXXX XXXX XXXX  ( XXXX, XXXX XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Thank you CFPB for accepting my complaint against credit karma. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by XXXX XXXX XXXX in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC XXXX and State XXXX and XXXX 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. 

XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received an email from Bank of America online banking reporting that a checking account was opened in my name. I received the confirmation code, last 6 digits of the account number. I called Bank of America and spoke with XXXX in the fraud department. The case number is XXXX The account was closed. The impersonator used my SSN, date of birth, full name and email address.

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 2022-09-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXL XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: TN
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, 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 : Consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-28
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We cancelled our XXXX account XX/XX/2019 and mailed back the equipment through XXXX drop off, within a week, as directed by the customer service representative at XXXX. 
XXXX claims they never received it and XXXX claims there is no way to track it anymore. I called XXXX on multiple occasions regarding this matter and the agent assured me that the receiver would turn up in warehouse and that this type of thing happens alot ... and not to worry about our account. 

NOW, a collection company ERC is sending threatening letters to my XXXX old parents ' house, three years later over this receiver. THIS is unacceptable. 

I am livid I am still dealing with XXXX and their ridiculousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I submitted a wire request from Discover Bank to my XXXX XXXX XXXX account to purchase a car. The wire went through, then on XX/XX/XXXX I received an email from Discover Bank stating they froze my accounts and said to call them. I have called them multiple times and they never pick up the phone. 

Today I tried to call them again and was put on hold for over three hours and then hung up on. I need them to reach out to me or answer the phone so I can have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Acquired Assets, Ltd.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a letter from XXXX and Associates ( XXXX XXXX XXXX, XXXX, NY, XXXX ) ( XXXX ) who apparently bought debt from XXXXXXXX XXXX in my name personally. They say that I owe {$2600.00} for a year of XXXX for my COMPANY that I did not want to renew for a year in XXXX XXXX XXXX  I did not renew the XXXX and the XXXX  stopped working inside of a month per what the XXXX firm said was going to happen. This firm has probably done this to many other individuals. Its not even a XXXX an individual would own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I talked to  XXXX  or someone a t Le  xington law. He told me that the medical bills on my credit report would not be a problem to resolve. He showed me plans on the Lexington law website and when I saw the price I told him that was to o high and I was n't interested. He said sir I have a plan for {$24.00} a month. Then he told me that I needed to pay {$14.00} for a credit report. I was on a computer at the library and we did what I have been doing, disputing the collections of  XXXX  collection accounts. I am  a veteran and t he medical bills I am disputing for the last year are still on there. The doctors and hospital never bille d the VA.   He said he would take care of them for {$24.00}. He lied to me during this time I ran out of time on the library computer. I had forgotten about it. I checked my bank account it showed he had taken out {$110.00}. On  XXXX  and  XXXX . I called  Lexington   law and they told me that I had authorized the transaction. I told her I did not. she told me that they had my signature. She then told me that she would refund {$60.00}. I told her I wanted all my money back. She said she would refund {$60.00}. and said it would be in my account in 2- 3 days. Lexington law lied to me took money from my account that was not authorized by   me.   Please help  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Thaxton Investment Corporation
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:
someone open a loan in my name do to fraud i never had a loan with quick credit there are several accounts in my name an none of them belongs to me XXXX XXXX

Company response to consumer: Closed with explanation