BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Capital One is very unjust and unfair in their decision making with helping consumers. Ive recently inquired multiple times to have a goodwill removal of late payments from my account which were denied. I know several people who have inquired about more and newer late payments being removed and their request was approved. I dont know how Capital One decides who to help and who not to help but its very unfortunate and unethical that this company is not fair in decision making with all of their consumers. When I asked the representative the reasons why my request were denied she could not supply any reasons besides saying there are policies. When I asked her to supply or read those policies she could not. I asked her to get me to someone or a department who could state the policy for me and she could not do that either. Capital One will tell the consumer a fake statement of we have to report accurate information to the credit bureau when that is completely false. Close friends who have had worse accounts then mine have been helped by Capital One for late payment removals. There is a XXXX page on Capital Ones unfair treatment to consumers across the board. Capital One does not lose anything financially or business wise by removing late payments from an account. My credit cards are paid off and closed. I understand they were my fault but I was going thru a very high risk XXXX where I couldve possibly XXXX XXXX XXXX and fell behind on payments and now I cant even obtain a mortgage loan to better my stability for my family. Capital One should at least train their staff their policies and factual reason for denials. I wish I had never done business with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been experiencing issues with possible identity theft so I submitted a written dispute to Equifax asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2019-12-29
Company: JPMORGAN CHASE & CO.
State: MO
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:
On XX/XX/2019 Chase card services contacted my wife, XXXX XXXX on her personal mobile phone ( XXXX ) XXXX. My wife is not listed on this account, nor has she ever been associated with this account. Chase card member services disclosed all my account information and balances with her, without my consent and agent apparently did not understand once my wife asked her to stop. I am the card holder. I do know my account had her phone number listed, as alternative number but feel as if a federal law has been broken by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: OK
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 disputed the account XXXX ( XXXX XXXX ) {$120.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with Equifax, XXXX  and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
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: Information belongs to someone else

Complaint:
I lived with XXXX XXXX back in XX/XX/2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to XXXX XXXX credit card company. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
Vehicle was voluntary given back XXXX yrs ago. It says my account is still past due and open

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a title loan in XX/XX/2019 due to being unemployed and in a financial hardship. I was making payments on time and up until XX/XX/2019 when XXXX, a regional manager took it upon himself to play collection agent. It was Saturday morning, around XXXX XXXX when he called me from a Texas area code mobile phone. He never asked for any account information, never attempted to verify who answered the phone and proceeded to demand I make a payment that day before XXXX XXXX. This is why I have taken action due his demeanor and actions as a threat with intent since I feel the legal biding contract has been violated due to his actions. I did make payment on XX/XX/2019 and was told he was actually sitting in the office calling all clients and demanding payments by manager and employees who work there. I was told XXXX was demanding payments to make up over a bad months and collections were down. I became a victim this day due his bad choices. I reached out to customer service and waited over 10+ days for a response. I called and called and go the run around. I worked with XXXX and XXXX at the local office where loan was taken. They fear their jobs are at risk due to XXXX. I then got a call from XXXX, he is over XXXX and he assured me this would be dealt with and addressed, asked for week to 10 days to review files and would work with me to resolve or reduce loan fees for XXXX ' actions on XX/XX/2019. I have made a payment since on XX/XX/2019 and not heard a word from Title Max since. No letter, no phone calls, and feel as if they seem to think nothing is wrong with the actions they took and how a client is left to deal with their unprofessional actions. I want my title back and they need to be fined for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Continental Finance Company, LLC
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX XXXX # : XXXX is lost/stolen and all the transactions on my XXXX XXXX is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.

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 2021-09-01
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2021 I received notice from RoundPoint Mortgage alleging I owed a debt. On XX/XX/2021, I responded with an an affidavit which was received by RoundPoint on XX/XX/XXXX. With no response, I followed up again with another affidavit on XX/XX/XXXX. Still waiting on their response.

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 2015-05-12
Company: C & M Associates Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call on XXXX/XXXX/XXXX from a " XXXX '', who did n't say what organization she was from until I asked. She said she was with C & M Associates group trying to collect a debt from a XXXX XXXX Account I had. When I questioned the validity of the debt and asked to speak to a manager to obtain more information regarding the amount and more specific details, I was referred to a XXXX XXXX who essentially berated me on the phone in a derogatory manner. When I asked for his address or physical location address he could n't provide one. On XXXX/XXXX/XXXX -- The next day I called XXXX XXXX XXXX, but they were unable to provide an update status due to the age of the account, they could n't tell me how much was owed, what was rented or the last date of payment or what address it was associated with. It just stated it was a " skip '' account, but nothing more. The fact that they it did list an account, I assumed perhaps the account was valid, so I called the collection agency back to see what arrangements could be made to settle account. ( Note this account is not appearing on my credit file currently ). She ( XXXX ) said they would be able to settle the account from the {$5000.00} that was owed to {$1000.00} via way of 5 monthly bank drafts which I had initially agreed to. But then when I hung up and researched the company more, I could n't find them on the internet, no physical location listed or anything. I did see numerous complaints filed via XXXX though. The one phone number I did find was an XXXX #, and when I called it, an " XXXX '' answered the phone but she sounded very much like " XXXX ''. XXXX said that once the arrangement was made she would be sending me a confirmation email of the arrangement. I have yet to receive such confirmation. By XXXX, I contacted my bank to close out my account for I felt that request was payment was fraudelent and changed my phone number also to prevent harrassment. This person was also calling my family members harrassing them. I was advised to contact the police who advised me that this sounded like a collection scam and that I should contact the FTC -- who advised me that I should file a complete here with Consumer Finance. If possible, please stop the activities of this collection agency. This is the only number I have for them XXXX XXXX XXXX. Any assistance you can provide would be great. If I do owe XXXX, I would gladly work with XXXX to get that resolved, but they do n't even have that information in their system anymore. What would be my rights be at this point for an account that old when the company has no record of any information for that account. Any information you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is FRAUD and pure retaliation from XXXX XXXX. They falsified a pretend and made-up invoice and billed me {$6700.00}. There is ZERO merit in this nor any validity. Attached is XXXX XXXX report XXXX showing house was full of damages when moved in. XXXX  ignored this document. XXXX XXXX is also known as XXXX, who said, XX/XX/2018 that it was I who created images in the home when I did not, as per XX/XX/2018 documentation, which was submitted to court and XXXX  XXXX XXXX was DISMISSED and Judge told XXXX no other fees warranted. XXXX then submitted the FALSE bill to THUNDERBIRD COLLECTIONS. THIS IS FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have negotiated the two accounts I have with XXXX XXXX that is showing on my credit report. Both accounts have been negotiated and settled. I no longer owe these two accounts.

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 2020-06-19
Company: American First Finance, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is American first Finance. The last time I was on my account it was like XXXX. 
I paid it around XX/XX/XXXX. 
Now I got on my credit report that I never paid and they say I owe like XXXX. 
So, they added more and did not update my payment made. 
I attempted to contact them and they hung up the phone. 
I never received an email or bill and I thought it was good. 
My account online showed different amounts and now their interface and online account is different. 
It does not show past payments and I have no proof they took and it's not visible. 
My other account with them is not present on there either. 
It was paid off and still the account showed up before. 
Now it is not even there, like it never existed. 
Shady practices ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are a couple accounts that are past the statute of limitations I have disputed and this agency is doing nothing about it. I want to place a complaint against Experian regarding XXXX XXXX # XXXX XXXX ( 7 years ago ) XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

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 2020-06-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have negotiated the two accounts I have with XXXX XXXX that is showing on my credit report. Both accounts have been negotiated and settled. I no longer owe these two accounts.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-01-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We took a line of credit/mortgage with a swap portion with Citizens Bank for XXXX investment properties in XX/XX/XXXX. The amt applied to principal was to have changed every year in XX/XX/XXXX. The principal amt was never adjusted until we discovered the problem in XX/XX/XXXX. We questioned XXXX and after much harumphing and investigating, they agreed that the amount should have been credited to principal. However, they declared that we then owed them {$5300.00} addition ( tho we had paid every bill they sent ) and deducted it from our account. We protested and they returned the money while not agreeing with us that it was not owed. In XX/XX/XXXX they again failed to adjust the principal amount as they should have. We brought it to their attention again and after much " looking into it '' the situation was resolved and the proper amount was credited as was the principal amount shown on the monthly statement. Again, in XX/XX/XXXX they failed to adjust the mortgage amount to show an increase in the amount credited to principal. We again raised the problem and after some " looking into it '' it has been resolved. However, in every case, the rep to whom we are assigned has been totally surprised by the problem and has required several days to " look into it. '' And the original problem, the fact that they failed to credit the principal properly for 4 years and 4 months still has not been resolved. Citizens is a large bank and this should not happen for years running.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX accounts on Experian with XXXX XXXX XXXX. These XXXX accounts went into collections in XXXX. I paid these in XXXX. They had on my report Collection as of XXXX XXXX. I disputed it and now it shows collection as of XXXX XXXX. Please fix. On my report from XXXX XXXX XXXX ( attached ) they have collection as of XXXX XXXX, so you can see they keep changing the date to seem more recent. I am trying to get a house and do not need this on my report. 

Credit ItemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 an account without my written instruction.

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