BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: CarFinance Capital LLC, Irvine, CA Branch
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On Saturday XX/XX/XXXX I traded my XX/XX/XXXX Chevy XXXX in at XXXX XXXX in XXXX, Il for a XX/XX/XXXX Dodge XXXX. I 've talked to several different people at XXXX XXXX at XXXX and I 've told them this at least XXXX times. I asked them to please stop calling me asking for payment on a car that I traded in. I 've had several new cars before, and this is the XXXX time this has ever happened to me. Meaning people are constantly calling me asking for payment on a car that I no longer have. The car is at XXXX XXXX on their lot waiting to be sold. I do n't know how to explain this to these people anymore, but I want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX WAS 60 XXXX/EF Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/XXXX/EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: FORD MOTOR CREDIT CO.
State: LA
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 told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested Equifax to verify a tax lien on my credit report. Case No. XXXX. I tried to verify this information with the court as well as the county auditor and was told that they do not verify information. Both the court and the auditor told me that Equifax received this information from a third party reporting agency. Because they are unable to verify the information, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX with XXXX and IRS. Received paperwork and was told to send to each credit reporting bureaus to have deleted from records which I did on XX/XX/XXXX. Received updated copies of credit reports from everyone except equifax. Received a letter from equifax with information on IRS still on letter and contacted them by phone. Was told I did n't ask for an updated copy of report and had to contact superior court in XXXX to get erased. The agent and supervisor were very rude and when sent me a copy of report, did not update information. I contacted superior court and was told normally the credit reporting agencies contact them directly for information but would send me the information at a charge. I got copies and sent to each credit reporting companies so everyone would same information on XX/XX/XXXX. Did not have a problem with the others but just wanted to make sure nothing came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
constant robocalls from company called ERC ( Enhanced Recovery Co. ) on XXXX XXXX XXXX. 
I do not have any outstanding Debts, and have made sure that I am always on top of or in touch with any agency I have owed money too. 
The fact the only leave a 'robot ' message and do not say who the debt is liable by, is extremely suspicious and seems that they have picked my number from the previous person the number was assigned to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-26
Company: Automatic Financing, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent payment for another persons judgement twice to clear up balance. Company states its mine and I am past due. When I made the payments on the judgement, I never received a receipt with principal, interest paid or balance due. Now I am getting certified letter and phone calls trying to collect from me. Company has also changed names and this is not a transferable judgement based on an account that was sold yet they are stating this as an asset bought and still due.

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 2017-03-04
Company: HOVG, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX Specialized Loan Services ( SLS ) assumed servicing of my mortgage Loan XXXX. Such time, SLS has misappropriated funds, charges misc. fees never explained, raised payments without justification, payments have not been posted to my account properly, I 've been reported to the credit bureaus for late payment when not late and most recent, they have increased my principal balance. For almost 4 years I have filed complaints like this, I 've spent over {$200.00} in certified mail communications to SLS and every week a new issue arises. This week, per a recent CPFB complaint filed, I received an accounting ledger from SLS from XXXX XXXX to present of their payment history which differs greatly from mine. XXXX documents are attached to this complaint along with a screen shot of my account on SLS 's site showing increase of principal. I provided their account ledger to my accountant who notified me that she can not make heads or tells of their accounting. She stated that it is so convoluted and there is no pattern to the way they apply and note funds. In addition, they never recorded my XXXX XXXX payment which was paid to SLS by Check # XXXX and cashed by SLS on XXXX/XXXX/XXXX. 
If someone from SLS does not contact me to review my account in full, line item by line item, within 30 days of the submission of this complaint, I will retain legal representation and SLS will reimburse for all costs involved in reclaiming my lost funds and correcting my account status.

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 2016-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I previously had an account with Citizens Bank ( previously Charter ). The account came with a credit card WHICH I NEVER USED. I closed my accounts ( CD/Checking ) with citizens a couple years ago-forgetting about the charge card because I cut it up upon receipt. About 2 months ago, I received a letter from the bank stating they were increasing my credit line. I immediately contacted them and told them I do not have any accounts with them The man said, " we do not automatically close the charge card ''. I explained that I have no idea what the card number was nor do I know what my account # was because I had closed the accounts 2 yrs. ago. He did assist me and stated he closed the account. I informed him I wanted a letter, in writing, stating that all accounts have been closed. It has been 2 months since I contacted the bank and to date I have never received anything from Citizens acknowledging that the credit card has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I, XXXX, received XXXX collection letters from XXXX XXXX XXXX where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the XXXX Code. 

Showing the " XXXX Code '' is a FDCPA violation of section XX/XX/XXXXf ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me three options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas XXXX XXXX. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX, the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/XXXX. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
CAPITAL ONE 360 mistreated their client. They have just closed the accounts and reported occurrences of fraud to other banks when fraud never occurred. In addition they contacted other financial organizations and spread security risks about their client! Capital One still did not respond to the cease and desist order filed by XXXX! Their response is needed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2015 I notified Barclay Card customer service that I was going to order some products for my daughter in XXXX. I notified them so they would know the charges were not fraudulent. However when I placed the order Barclay Card denied the charges due to possible fraud. I called them back and was told I needed to place the orders over again. I questioned the representative because I was concerned about getting duplicate orders. He assured me that I would n't get duplicates and I needed to re-order. I followed his instructions but indeed, the orders were duplicated. When I discovered this, I contacted the vendors and was able to stop XXXX deliveries while XXXX vendor told me to donate the duplicate to charity. I called Barclay Card and complained. This was Barclay Card 's mistake, I 'd been inconvenienced enough and I was n't going to burden my daughter by asking her to return any mailed merchandise. She is a student in a foreign country and has enough to do. I wanted Barclay Card to refund me ( {$39.00} ). I was told they would investigate the charges and refund me if needed. The representative later left me a voicemail stating she was " following up '' and I could call back " if I wanted ''. I called back and spoke to a different representative who assured me the charges were " being disputed ''. Several days later, XXXX XXXX, 2015 I called to find out the status of my complaint. I was told there was no case number, no dispute, I would receive no refund. Barclay Card : 1. Denied charges after I called to tell them to say the charges were n't fraudulent ; 2. Told me to re-order merchandise, assuring me it was necessary and I would not receive duplicate orders ; 3. Misled me that they were investigating and would issue a refund if needed ; 4. Refused to issue me a refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased an apartment from XXXX XXXX and leased the apartment from the company for nine months while never being late and never causing any problems with the apartment. The apartment complex had a serve roach infestation issue that could not be fixed. Due to my health issues my doctor informed me i could not be around the pesticides nor the roaches due to them causing me to become very ill. I talked to the property manager several times along with send her emails complaining about the issues with the apartment causing me to become ill. She arranged a face to face meeting with her regional property manager and after me presenting the doctor information along with pics of the issues with the apartment she informed me that i would just have to indure the issues until my lease ended or pay a relenting fee to be let out my lease. I informed her that i am fully XXXX and i could not live under those conditions and so i put in a 60 day notice to vacate and asked her to use the {$500.00} deposit i paid to cover any fee 's that occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Attempted to Foreclose on Property without proper documentation. 

Using a Shell Company to attempt to Cover-up the False Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, I received a letter from Chase Bank indicating that they were closing my line of credit because they no longer offer the product. They indicated that there was no cost to me and that I could pursue other credit products that the bank offered. 

I have had the line of credit with Chase for about 10 years. I was never late and was in full compliance under the loan agreement. Chase indicates that there is no cost to me ; however, that is an incorrect statement. There are actually at least ( 2 ) costs to me : ( 1 ) closing the account could negatively impact my XXXX score since a portion of the XXXX scoring is based on age of accounts, credit utilization percentage, and etc. - this could result in " higher '' borrowing costs. ( 2 ) there is the cost of my time in reseaching other credit products with other banks. 

As a Treasury/Banking Professional for a Government Agency, I am very familiar with Chase and the products they offer. There was no need to close this account and the reasoning provided by Chase was prima facie - false, misleading, and damaging. 

My expectations are that Chase immediately reinstate the line of credit or roll the credit availibilty into another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is reporting a Bankruptcy that do not belong to me. If not removed i will be filing a civil suit against Lexis Nexis if not removed immediately. Under the FTC and Fair Credit Reporting Act, Lexis Nexis is Violating this law by reporting incaccurate information. Im unable to qualify for Credit because of this. I feel under privileged because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I need to file a complaint against XXXX for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by XXXX, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late in XX/XX/XXXX or XX/XX/XXXX as XXXX is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX 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 non-monetary relief