BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: LA
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 have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Equifax : XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received an alert from XXXX that prompted me to contact Transunion by phone on XX/XX/XXXX regarding an unauthorized inquiry on my credit. I was informed by the Agent that the inquiry had been removed and my credit report would be updated within 48 hours. However, the offending inquiry is still being reported. I have since called back and the agent I spoke with this time refused to review the notes on my account and delete the fraudulent inquiry. As such, I am hereby demanding for the following offending unauthorized inquiry listed below to be immediately deleted from my credit report : 1. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX XXXX XXXX XX/XX/XXXX ) Please remove this offending unauthorized inquiry from my 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: MA
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 customer service

Complaint:
Once again this pig of a bank decided to change their website without warning and are now preventing me from logging in. I went to log into my accounts today the EXACT SAME WAY I have always logged in and their useless website takes me to a page to activate my card. I don't have any card that needs activating. I called their useless, untrained outsourced customer lack of service and they kept asking me about an ATM card or debit card I do not have, have never had, and have ZERO need for. I tried entering my credit card info on the website and it told me it activated and then brought me back to the same screen asking me to activate my card. I have no way of accessing my XXXX accounts, credit card or Savings. Their customer service kept me on hold for an hour, but was otherwise useless. This bank is disgusting and pathetic. They continue to make ridiculous unexplained changes to their website without notifying the customers and prevent us from access or using our account due to their incompetence

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 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: HYUNDAI CAPITAL AMERICA
State: WA
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:
i purchased XXXX XXXXXXXX XXXX  on XXXX XXXX XXXX couple weeks later, i moved to XXXX  from XXXX XXXX since then ' i fiulled out XXXX different form and sent fax to hyundai finance for state to state title transferring. and hyundai said different lies since then. 1-we haven't received your title request from capital hyundai ( which i sent them twice ) 2-oh sorry, we lost your title transfer from 3-i see that your title is on XXXX  and on your way home, congrats 4-we can not reach out to XXXX  dmv, it's their fault.. 
when i finally reached out to supervisor of XXXX  dmv, she said that she already sent copy of my title to hyundai on XX/XX/XXXX. 
i have been driving expired title since XXXX XXXX and right now it's XX/XX/XXXX XXXX i financed my car through hyundai finance and pay it every month same day. i need a solution

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an extension of credit with Chase for the XXXX XXXX XXXX, I received an adverse action letter stating that I was denied because my XXXX Credit Report. The CFPB states that credit reporting is optional, title 15 USC 1602 Definitions and rules of construction subsection ( f ) ( " credit '' ) the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Subsection ( g ) ( " creditor '' ) refers ONLY to a person ( 1 ) who both regularly extends etc. Subsection ( e ) ( 'person ' ) means a natural person or organization.

With that being said as the natural person & creditor I can not be denied my right to my unlimited credit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized accounts for Lane Bryant and Express showing on my credit reports. They have failed to properly verified and validate the accounts were authorized. They have not sent any documents bearing my signature to open the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wrong date on credit report ( XX/XX/2022 ). Also, duplicate report on credit report. The company is Professional Credit Management out of XXXX, Arkansas. This Credit agency keep renewing this duplicate debt date. which my insurance paid. I have tried disputing multiple times with no results.

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 2022-04-01
Company: John C. Heath, Attorney at Law, PLLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
complain was : I purchased a XXXX premier package from this company and spent several weeks and at least 15 to 20 phone calls getting them to do the job I paid for. I was assured my dispute would go out within a certain timeframe, three of them did, three did not. In addition my disputes were not customized based on the documentation I uploaded to the company. When the work was finally done Lexington would not provide me with a copy of the actual disputes they had submitted. As a result I have zero proof they actually completed the work paid for. They sent me a string of numbers and claims this was the dispute, and that they could not actually provide a written version, however this seems incredibly unlikely. The end result being that obviously my Negative and invalid credit Reporting remains on my credit report. I feel this company has failed to deliver the services that promised on multiple levels outlined above. I was billed twice XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX My invoice # XXXX My client ID I did file a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Complaint ID XXXX. The company responded and claimed to have sent me the disputes, however what they actually sent me was a string of numbers. When I reached out to them it They were continually unable to provide them. Additionally in this complaint the main issues Im not producing the work, the duplicates and excessive billing, and the late delivery of work if it was even completed were never even addressed. Regardless the XXXX XXXX XXXX saw fit To flag this complaint as resolved even though it wasnt and I am extremely disturbed. I reached out to the XXXX XXXX XXXX by fax and expressed my dissatisfaction with the fact that they are A consumer protection bureau and it seems to me that they are covering up for this company in that this complaint was closed without the issues even been resolved. 

I feel like I was definitely scammed by this company and want some resolution My key issues outlined in this complaint were the inability to verify work, And double billing, And late submission of work if it was even completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In reference to XXXX Contacting XXXX was not correct to submit complaint to ... see their response beloe " Customer Support XXXX XXXXXXXX XXXX  ( 38 minutes ago ) to me Good Morning XXXX, To protect investors and ensure the markets integrity, XXXXthe XXXX XXXXXXXX XXXX XXXXis a government-authorized not-for-profit organization that oversees U.S. broker-dealers. We work every day to ensure that everyone can participate in the market with confidence. XXXX is authorized by Congress to protect Americas investors by making sure the broker-dealer industry operates fairly and honestly. We oversee more than XXXX brokers across the countryand analyze billions of daily market events. 

XXXX regulates broker dealer firms and representatives within the U.S. securities industry. A broker dealer is in the business of buying and selling securities stocks, bonds, mutual funds, and certain other investment products on behalf of its customer ( as broker ), for its own bank ( dealer ), or both. If your issue is not conducting this type of activity, then XXXX would not be the appropriate regulator. 

Thanks, XXXX Customer Support ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Freedom mortgage submitted a 12 month payment history to a Lender I was attempting to refinance which showed I 30 days late 5 times in the past XXXX  months. I have spoken to Freedom provided proof the XX/XX/2021 payment cleared my account and was not 30 days past due. I continue to be told it could be due to the bankruptcy.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXX XXXXXXXX the government has obligation to discharge and settle debt we may incur

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 2022-08-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person who knows there rights. Not a third party. 

CCS is in violation of the FDCPA AND HAS WRONGFULLY DISCRIMINATED and violated my privacy right. They paid to provide me a debt validation and continue to collect on the alleged debt and I was not given the ability to dispute the debt. 
1. 15 usc 1692b, they stated I owe a debt to the CRAs 2. 15 usc 1692d, they are continuing harassing about a alleged debt they claim I owe.

3.15 usc 1692f, they are reporting the debt to my consumer report and discriminating against me 4.15 usc 1692j, they are furnishing false information about me stating I owe a alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TD BANK US HOLDING COMPANY
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Business Office Phone Number ( XXXX ) XXXX 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 : 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 2021-01-17
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:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

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 2022-06-09
Company: EQUIFAX, INC.
State: FL
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 following Account has violated my rights : 1 ) XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that 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 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 2022-08-23
Company: Consumer Portfolio Services, Inc.
State: MO
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:
My car was refinanced through upstart back in XXXX. My previous lien holder mailed me a refund for overpayment. They have yet to release my title. I have sent emails, they ignore. The new title holder has reached out to them. Still no title. I have read they do this often.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Dear CFPB I was ripped off by a company claiming that they were going to help me fix my credit by settling my credit cards with 4 credits cards. I owed XXXX XXXX {$1500.00} ; XXXX XXXX {$1800.00} ; XXXX {$760.00} and XXXX XXXX XXXX {$1900.00}. I paid the com [ any {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. The company charge me {$1100.00} in fees, never negotiated any settlements and refunded me only {$560.00} when I met with an attorney and cancelled this service after realizing it was a hoax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MI
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 am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX / XXXX XXXX XXXX XXXX {$120.00} XXXX/XXXX  xxxxxxxxxxxx XXXX {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # # # # # # # 2018 {$220.00} XXXX XXXX  XXXX xxxxxx XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX NOT MY NUMBERS

Company response to consumer: Closed with explanation