BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: INVESTORS BANK
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I reached out to, on XXXX from an email and phone call I got, for what I thought was a reputable loan finder and they set me up with a bank in NYXXXX called Investors Bank. I knew better, but I was desperate for the {$5000.00} loan they were offering. I paid some upfront for, what I now know is scam charges such as bank connection fee and so forth.I paid them around {$620.00} in fees to complete the loan. I was n't fully aware no bank would ever ask for fees up front. 

They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent, vs them actually " depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them, and they promised I 'd have the loan amount in my bank this am. 

I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent, I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative, big time. All in all I lost around {$2100.00} to these people and they are still asking for more money for the " transfer fee '' to complete the loan. I recorded the conversation and have reported them to the FTC and the XXXX XXXX. I also reported this to Investors Bank who said these men do not work for them and they reported it to their fraud dept.

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 2021-12-20
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
remove the ftc violations attached

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 2017-03-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I have been a loyal Chase customer for over 11 years and just recently my Chase account was reported negatively to the credit agencies. I am requesting for all negative credit reporting to be removed from all XXXX credit agencies. I was 33 days late on a payment. I never received any phone calls or notification from Chase to inform me of this late payment. This is my first ever late payment reported and I need this removed due to not receiving any phone calls, emails, or letters from Chase to inform me my account was delinquent. I feel because Chase did not properly contact me to inform me of the delinquency, I should not be held responsible for being 33 days late. As soon as I found out about the delinquency, I paid it immediately. I am currently in my residency and can not have this negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have a mortgage loan with Chase finance and we had some hardship in 2014 and got behind on our mortgage and applied for a loan modification. it took months to get the modification. the result was that our payments would go from XXXX dollars to XXXX dollars for six months to payoff or get caught up on payments. now they are saying that since back in XXXX that I did n't get the acceptance letter in back to them in time that they are no longer going to accept any more payments, after already accepting at least one payment unless I pay XXXX dollars to pay for 3 months and they are saying that my house can go into foreclo we at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a XXXX credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.

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 2021-07-28
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my name is XXXX. i had this collection pop up on my credit i already disputed it with XXXX XXXX and XXXX and NATIONAL CREDIT ADJUST mailed a bill of a credit card bill.. but the bill is over 10 years old.. debt can not collect on a old debt plus the debt is not mine. it belongs to another XXXX XXXX my ideniity has been stolen i have police report and i have extended fraud alerts.. 

i want this company to remove this item off my credit or else i will hire a fcra attorney and sue why not free money this is last time ill dispute this next time im sueing remove today Account Details Account Number XXXX Date Opened XX/XX/2021 Last Activity XX/XX/2021 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$860.00} Unpaid Balance {$860.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXXs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
These accounts do not belong to me. Please remove the negative items as soon as possible. 

1. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/2021 - XXXX XXXX I have no knowledge of this inquiry and didn't authorize this company to check my credit.

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 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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:
I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of

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 2021-01-25
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: PLATINUM HOME MORTGAGE CORPORATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: SQUARETWO FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received demand letter from law firm stating I owe them XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacting Toyota Financial Services regarding several accounts that I do not owe anything. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for Toyota. And lastly a incident report because Toyota has forced me to contact the police to resolve this matter. I have been dealing with this issues for years and it has affected my life very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: MARINER FINANCE, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
About a year ago I went in to make a payment. The young lady that took my payment, and gave me a receipt. Now I have to mention, that I have been having some things happen unexpectedly that caused me to be late. 
I just submitted a payment on XX/XX/XXXX. I am being told that I did not make a payment XX/XX/XXXX. I personally took the payment in, however I ca n't find my receipt. I went 2 months back to back to get a car, when asked for my 10 day payoff, it was different. The amount went up {$200.00}. The salesperson even asked what kind of loan is this. The more I pay the higher my balance. I 'm starting to feel being that this happened before with my payment, that I 'm being scammed. The 1st lady that did it no longer works there, now the same thing with this young man. I spoke to this guy XXXX several times on the phone, yet I 'm being told that there are no notes on my account showing that I spoke to him. I even spoke to XXXX a word also is no longer there. At the time that I made the payment my foot was injured and I could n't drive, so I had someone drive there. Therefore I have a witness that it was paid. I just ca n't find my receipt and I 'm being told that they ca n't do anything without it, which I clearly understand, however I have a witness that watched me pay.

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 2017-02-18
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Law Firm of Hunt & Henriques have continue to harass me about a Debt that I do n't owe. They claim it was a judgement againt me since noted has been more that 10years old. I have notified them to cease and desist but they continue and it is causing me undue stress. I am in the process of hiring an attorney to exercise my rights undr the FDCA with fines for this unscrupolous harassment. I need this law Firm -Debt collection investigated and fined because they are violating the law. I never had any contractual agreement with this law firm. I am on XXXX and what this firm is doing is an attempt to take advantage of people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a car from XXXX in XXXX from a sales person named XXXX. The car was a 2003 Mercedes with around XXXX miles valued at {$9500.00}. XXXX sold me thecar for over {$18000.00} after telling me that I had to stay around {$10000.00} I later see so he could add all these additional charges. XXXX set me up with a finance company that he told me that they use on a regular basis called Santander XXXX. They added an additional {$18000.00} which would have come to over {$36000.00} had I paid off the loan. XXXX told me I could pay off the loan early and avoid the interest but after I signed the contract Santander made me pay on the interest XXXX and intended on getting all $ 36000for a {$9500.00} car. I traded the car in after paying $ XXXX which cameto {$9000.00} and I also put down {$1400.00} down payment. Its amazing that there are companiesout there that are doing this and going UNCHECKED. This is modern day LOAN SHARKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Re : XXXX XXXX XXXX XXXX To whom this may concern. I have attempted to reach customer service without success, is there a conspiracy? Its being over two weeks and snail mail no responded as well. Recording may say an hour delay, but calls are getting disconnected while waiting, I will give an opportunity to rectify before heading to the Consumer Finance Protection Bureau. I have contacted both XXXX and XXXX asking for a refund of ticket purchased, per USDOT https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However they have not processed the refund, both airlines canceled their services, and was advised to dispute charges, something done in writing here. I am copying this mail to the US DOT - XXXX XXXX XXXX Thanks. XXXX XXXX XX/XX/XXXX XXXX XXXX Airfare ... XXXX {$1900.00} XXXX, FL XXXX Merchant Website Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Appears on statement as : XXXX   XXXX XXXX FL XXXX XXXX XXXX XXXX Airfare ... XXXX {$460.00} XXXX, FL XXXX Merchant Website Purchased : Thu, XX/XX/XXXX Posted : Sat, XX/XX/XXXX Appears on statement as : XXXX XXXX XXXX FL Capital one send paperwork to be filled exactly what is described above and asking to be faxed, name of merchants and amounts etc, if they would read the complaint they will see all need data, they have failed to reach out as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX  which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Bank of America BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Bank of America and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Bank of America and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Bank of America 6 times and have not gotten a resolution to my card being declined.

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