BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I own a checking account at capital one bank, they offered me to apply for a credit card. 
I accepted that offer and the bank opened me a credit card without any issues XXXX XXXX XXXX 
After a couple of weeks later they requiered a XXXX XXXX  ID. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit card was opened with my passport and XXXX document XXXX XXXX XXXX  accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Loan Debt was fully paid but the company still stole/repossessed my car. When I contacted them they told me that they had already sold it and if I wanted to get a lawyer good luck with that, ( XX/XX/XXXX ). Then I continued to receive notices from the Department of Motor Vehicles as if the car was still in my name. Then most recently I received a notice from the California Highway Patrol that the car ( still in my name ) had been repossessed ( less than a month ago in XX/XX/XXXX ). After speaking with an employee of the CHP they said that there was no hold on the car and I could go get it from the tow yard it was being held at. I called the tow yard and they demanded " X '' amount for the car. The company Title-Max has been paid twice for one loan, didn't transfer the car as required by law appropriately, and I still am without vehicle as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX XXXX and they used the company I.Q. Data International Inc.  I have already paid the debt but they charged me interest which is illegal considering it wasnt past due or a bill that can be charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I notice a new collection which dropped my credit scores 59 pts, It dropped my credit scores while in the middle of purchasing a home. L J ROSS ASSOCIATES, INC was contacted immediately via email. And after receiving a email from a XXXX XXXX a LJ ROSS ASSOCIATES she stated not to email LJ ROSS ASSOCIATES, INC anymore due to no such account is listed in my name with the account listed and to only reach them at telephone number listed XXXX. On XX/XX/XXXX, I spoke to a representative name XXXX who state she could not locate an account number listed with my name and social security number but insisted she could not remove it unless we send her company an email with the credit bureau listing it. I totally disagree with this first of all I have reside at my address for over 20 year and after researching the Original lender which is XXXX XXXX - I never heard of this company which is located in Wisconsin. PLEASE HELP i totally feel that I am being discriminated against and I will be completing a POLICE REPORT FOR THIS FRAUDULENT ACCT!! XXXX did not try to resolve this account after not locating no such acct with my address and social security number she refused to assist me any further and this is totally discrimination.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payment amount on my XX/XX/2020 statement increased by over {$200.00} without any notice or reason from Fed Loan Servicing. I paid my usual amount and emailed Fed Loan. No response. I email them again and finally get a response which included a threat about reporting me to a credit agency for late payment of the balance of {$210.00}. Incredible! I paid my usual amount while waiting for an explanation that never came until I emailed again and they threaten me!? I have an excellent payment history on this loan and all of my other debts. This is insulting and infuriating. These people are the worst. I paid the {$210.00} just to stop them from fraudulently reporting me to a credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been trying to get information from Equifax for the last 3 weeks since XX/XX/XXXX regarding an inaccurate reporting on my credit. The account they are reporting dropped my credit score by 112 points. I have plenty of documentation from XXXX proving that what is being reported by Equifax is inaccurate and XXXX has sent and resent the information to Equifax multiple times. I have letters, bank receipts, confirmation numbers, reference numbers and everything from XXXX and Equifax refuses to give me any information regarding a dispute. Equifax is reporting I have a {$170.00} collections bill that still has an open remaining balance of {$170.00}. This account was closed and PAID IN FULL with a {$0.00} balance directly to XXXX. I had even made a payment on XX/XX/XXXX to XXXX XXXX XXXX and this account says it started on XX/XX/XXXX. How is it possible to be paying a company and have Equifax report a collections account?!?! I have filed disputes with all 3 credit bureaus. XXXX  and XXXX  resolved the issue immediately ( removed from a credit report with a fully restored credit score in the 700s ), however, Equifax refuses to provide me with ANY information. Every time I call the company, I get someone who doesn't speak any English reading from a literal script. I've been hung up on twice for no reason. When I ask to speak to a supervisor, they either hang up on me or tell me one is not available. I am forced to provide my entire Social Security Number and information that neither of the other two Credit Bureaus ever asked for. My security is at such a high risk with this company. I just want one simple account to be removed from my credit report just like the other two companies did. I can't even access Equifax 's website to do anything because it doesn't work properly. My credit score is 700+ on both XXXX  and XXXX  but remains at XXXX in Equifax . It's ruining my life dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
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:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Student Account Management Services, LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made payment agreement with collection agency to resolve my defaulted student loans, recieved the written confirmation with amount and letter stating that " This payment must be recieved by XX/XX/XXXX''. I mailed my payment via USPS, over night with tracking and recieved confirmation that the payment was delievered on XX/XX/XXXX When I followed up to ensure that my account was updated and now free of default I was told that I was in default of the payment agreement because payment was not processed and posted by the due date and that I would need to submit all my proof that the payment was delivered on time. ( I forwarded the tracking information with delivery confirmation, that the certified funds were able to be cashed on due date, and the letter indicating that payment must be recieved by ). I was then instructed to contact the department of education as they handle the payments who informed me that since I was in collections I could only speak with the collection agency. I then was only given run around answers when a letter date forXX/XX/XXXXwas issued to my employer to garnish my wages forcing me into another payment agreement. I again paid the settlement in full and used certified tracking for my deliverery with proof onXX/XX/XXXX and am unable to have any response as to my payment being recieved, processed or posted. I have been harrased into paying additional sums and faulse information being given about due dates and expectations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Experian and reported that there was an account that was being reported on my profile that did not belong to me. I do no nor have I ever had an account with XXXX XXXX and there are XXXX trades reported under my profile. I contacted the creditor at the phone number listed on the report and the only information that they were able to provide was that the store that originated the trades is no longer in business and suggested that i file a dispute with the credit bureau. I asked that Experian validate the debit but instead they dismissed my concern and the trade has remained on my report. I 'm not sure how I can prove that I do not have a debt with these people but i am sure that they can not prove that i do, so I am very confused as to how Experian can just say, oh well miss the debt is in fact yours now until 2019. I know that it is my right to have my credit file contain accurate information and am sure my rights are being violated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX placed a collection on my and my sons credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited my paycheck via an ATM. The ATM took my check but failed to offer a receipt, leaving me in doubt as to whether the amount was credited to my account. We had severe winter weather for the next 4 days, and most businesses were closed. On Wed XX/XX/XXXX I called the bank 's customer service line to ask why the deposit had not been credited. The agent confirmed that the ATM " did n't register '' my transaction. He started a " disputes process '' that he said would lead to my deposit being credited. I was surprised to learn that this would not involve any non-routine action by the bank. Instead I must wait until their next routine reconciliation of ATM deposits, which happens every 10 days. He was unable to tell me when the reconciliation would occur. I have waited and checked my account balance each day, hoping my deposit will be credited before bills come due. My wife and I called again today, and after many dead ends on voicemail, spoke to an agent in an undisclosed remote location who had nothing new to report. I finally received a call back from the local branch, in response to an earlier call. ( The bank 's customer service line does not allow contacting the local branch, and XXXX local numbers are not published. I would not have known how to contact them if my wife had not saved a business card. ) I learned that the local branch has means to retrieve the check and " manually deposit '' it without waiting for the routine reconciliation process. The branch employee acted promptly to find the check and deposit it. I still have not seen the deposit credited but am hopeful that it will happen within 12 hours. I was dismayed to learn that the routine ATM check may have happened 3 days ago but there was apparently no action taken about my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16
Company: U.S. BANCORP
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a victim of identity theft. A bank that I had not heard of before the identity theft is US bank. I live in Georgia and I do not believe they are located in Georgia. The person trying to take my identity according to the bank opened bank accounts and credit card accounts. I denied the debt and they requested information from me which I sent to them, i.e., copy of license, proof of residence, such as mortgage payments and I even sent copies of mortgage statements dating back some years and other statements to prove my residence. I also sent the police report that I filed with hopes that these people can be caught. They wrote back and said they could not do anything unless I sent them a very clear copy of my social security card. I am concerned because when I googled the US Bank I see all the claims of fraud. If they have people in their bank committing fraud I would not want them having a clear copy of my social security card. I offered to go to my credit union or XXXX XXXX and I can take both my birth certificate and social security card and they could verify my identify but they said I would have to send them the information. I would like to know if this a normal because other companies where the fraud was committed such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, asked for a lot of information but not my social security card. Please help me with this because they are reporting the fraud persons address as my address to the credit bureau and will not release me from this obligation.

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 2019-10-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My name is XXXX XXXX I tried checkin it through XXXX XXXX and XXXX XXXX.even tried the annual report..called Equifax..nuthn worked..I 'm gettin scared cause im only XXXX and want to mak sure nobodies using my ssn. 
Please help..I did all this on XX/XX/XXXX..but got an alert from XXXX XXXX about a new account on my report but cant check it to mak sure its mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Was not notified of investigation status or results

Complaint:
I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX ACCOUNT LISTING ON MY REPORT WHICH IS WRONG

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After filing online disputes, and calling the Trans Union customer service number to notify them that I was a victim of their agency 's inquiry issues, like many others that had been victimized due to the same issue. 
The rep would not offer to assist in correcting the long list of 40 erroneous inquiries on 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 explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2015-12-28
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of trying to purchase a house. As an individual who is XXXX, securing a mortgage is difficult. So, XXXX of my goals in this process was to secure down payment assistance through the Ohio XXXX XXXX XXXX who uses US Bank as the loan servicer. Long story short US Bank changed the eligibility criteria by raising the credit score XXXX points. So, many are no longer eligible or will have to delay becoming a homeowner. Naturally this action hurts the consumer client base that down payment assistance is suppose to help. The justification US Bank offered by the action is an increase in delinquencies on FHA loans when credit scores fall below XXXX. So the new consumer is being penalized. From my perspective the solution should be proactive not punitive. And certainly not by punishing the innocent. Raising a credit score by XXXX points can take months, even years since the reporting credit bureaus seem to have this conspiracy to raise scores painfully slow XXXX XXXX points/month ) while simultaneously allowing a score to plunge by XXXX points in one month because of XXXX single action like seeking pre-approval for a home mortgage loan. ( I believe that is known as an inquiry. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
An application was submitted several months ago and denied. Recently, US Bank has called to say a loan has been approved. I waited several weeks but decided to go ahead since US Bank is a reputable bank. After having to pay several " fees '' through XXXX cards, the company still has not granted the promised loan. When I requested the fees be refunded, they said they could n't until a last fee was paid. Apparently, even though I was able to reconnect with these people, they are not going to refund the amount paid or the loan. They said d it would take 45 days for a refund and yet they took the funds immediately. I want the fees refunded immediately.

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