BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Spring Oaks Capital, LLC
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 fair credit reporting act Spring Oaks Capital LLC, has violated my rights. 

15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A 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 ANY PURP [ OSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been trying to get this XXXX  XXXX Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX XXXX bankruptcy in my name years ago. It was listed on XXXX. I disputed them and XXXX removed it. However XXXX and Transunion did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXXt XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus. 
In Accordance with Fair Credit Act Credit XXXX  XXXX bankruptcy and XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to TransUnion regarding a public record appearing on my consumer credit report. TransUnion has violated the FCRA and is willfully noncompliant. XXXX supplies information on consumers to TransUnion without abiding by the laws as a data furnisher. XXXX has been the subject of legal action as a result of this illegal reporting.

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 2016-08-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX began taking automatic payments on my car insurance policy This policy was opened in XXXX and my policy premium was originally {$1900.00} or around XXXX/ month. However in XXXX XXXX, XXXX XXXX increased my rate to $ XXXX/ month without informing me of the premium increase either by email or post. Since the charge was made directly to my credit card, I did not notice the increased charge until XXXX XXXX at which time I cancelled my policy because I did not want to pay high premiums and obtained coverage from another source. I notified my credit card company and disputed the charges, and a partial refund was obtained for several months of overcharges. however not all of the overcharges were refunded because the credit card agency would only dispute claims from the past 3 months. Since then I have been battling with nationwide who claims that I still owe them a balance on my account and has sent my balance owed to collections and has threatened my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY XXXX XXXX XXXX XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY XXXX XXXX XXXX. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: IL
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 have sent dispute letters to XXXX, XXXX and Equifax several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on Equifax. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

XXXX5 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am unemployed seeking employment and I have been denied employment because of the fake news contained in my credit file. There are numerous inquiries that I have never engendered and I've never even heard of these companies. There are fake telephone numbers on my credit file I have never had, there are fake address to places where I've never lived too. 

My credit file with Experian contains a lot of fake news. The information contained in the credit file belongs to the consumer and if it is inaccurate or contains misleading information, the consumer has the right to correct the information. While I was legally XXXX  for XXXX, my identity was stolen from me and I took appropriate action notified the Credit Reporting Agency ( CRA ) in  this complaint with a Fraud Affidavit and proof of legal incapacity. I notified federal law enforcement. 

The CRA in this complaint told me to contact all the companies. I did. I notified the companies that inquired on my credit file to remove and/or correct the erroneous information from my credit file. They all told me that the CRA does that, not them. 

I then wrote the CRA in this Complaint that I've already spoken to the various companies that inquired in my credit file and they all told me there's nothing they can do about it. I being jerked around by Experian.

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 2017-02-07
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a secured credit card in XX/XX/XXXX First Progress Mastercard. I was approved and they have a program where a consumer can expedite recieving their card and fund the card within 90 days of receiving the card ... for a cost of {$29.00}, which i paid. The only thing i have received are emails and text messages letting me know that my time limit to fund is about to end. It is XX/XX/2017 and i have yet to see a card, i called First Progress and spoke to a customer service representative named XXXX, whose only concern seemed to be me giving them money to fund, before the time limit ends on XX/XX/2017, a card whch i have not received. I told him that i would not be funding anything and that i would filing complaints with the better business bureau. A friend told me of this agency so i decided to file a cpmplaint hete as well. In my opinion, this company is ripping people off and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Caneel Capital, LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is reporting a dismissed bankruptcy does not belong to me. I have asked them for a method of verification and all I get is that it was verified through XXXX. I have contacted XXXX myself and I do not have this bankruptcy on my file. I have attached a screenshot of the public records section of my credit report. I have a credit monitoring service through XXXX. And as you can see experian is the only one that is reporting this bankruptcy. It is a fact that bankruptcy stays on A report for 7 to 10 years, it was filed XX/XX/2016 Which means it will still be on my report to this day with XXXX  and XXXX  as well. My question is how is it that XXXX XXXX and XXXX   are not reporting this and they go through XXXX as well To verify information? I truly believe when I dispute this bankruptcy experian is not doing a thorough investigation.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: TN
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-08-25
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I transferred XXXX from XXXX  to Coinbase on XXXX. I woke up on XXXX to find texts requesting an email address change I never requested. I immediately locked my account. I have been trying to regain access till this day without success. 
I have filed both initial ( case # XXXX ) and formal ( case # XXXX ) complaints with XXXX. All I have recieved are automated responses. The last response informed me they were closing my initial complaint and that I would not be allowed to reopen it. I have even filed a complaint with XXXX  ( complaint # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: IL
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 have sent dispute letters to XXXX, Experian and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I am getting statements sent to my home with another persons name XXXX XXXX XXXX and XXXX XXXX have never lived in my home. This person has never lived here and I have asked Capital One on several occasions ( 6 times ) to address it. I am considering getting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced my Chase Auto loan to XXXX. XXXX sent payoff to Chase via XXXX  and it was received on XX/XX/2021 ( tracking and proof of delivery attached ). Chase has been unable to locate the payment and has not processed the payoff check despite multiple calls and providing all requested info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
XXXX by Goldman Sach auto renewed my Certificate of Deposit ( CD ) with NO NOTIFICATION received to wan me. 

I finally received a letter on XX/XX/2021, at XXXX by US Postal Service from XXXX by Goldman and opened it dated XX/XX/2021, 11 days late that my CD has been auto renewed. 

I never received any letter of notification of the CD expiring and finally got an auto renewal 11 days AFTER dated letter. SOmething is FISHY!!!! 

Contacted XXXX and 2 supervisors REFUSED to allow a cancelation waiving the penalty which XXXX claimed was over {$1100.00}. I protested saying the CD should never have been renewed if I have gotten notification and the confirmation was 11 days after this gimmick. 

XXXX is a company who does NOT care about long term customers. 

My request to be transferred to XXXX executive office was DENIED even when I advsied I was fkig a US Government complaint which XXXX Executive office would have to respond. SO the two supervisors are just the lower end bullies no allowing cooperation above their level.

SO the refusal of two supervisors to allow contact with XXXX XXXX XXXX creates MY LABOR work and a formal letter to resolve when the two uncooperative supervisors could have solved the issue and transferred the cal. XXXX si not a customer friendly internet bank especially for JUMBO accounts and long term relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a text message on XX/XX/XXXX and another one today from a debt collector who does not show any amount due etc., It states the company that is collecting from is XXXX XXXX XXXX XXXX. XXXX whose phone nbr is XXXX. 

We had never had any dealing with the above Insurance company and we do not owe any money to them. 

We believe it is a scam, and I am trying to report it. 

The text does not show any amount due at all. Only to reply to them to opt out etc. 
or call them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: The CMI Group, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections account notification on my credit report - however I never received any phone calls, mail or emails. I have never had the chance to verify the debt and so I have no clue what its for.

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 2022-07-19
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have 2 loans with Selene thy modified one loan and continue to tell me that I never submitted documentation to do a modification. I submitted all documents at the same time to the same company. Why are they refusing to modify loan XXXX when they recently modified loan XXXX. Covid caused my income to decline and I am attempting to get my loan modified due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to take the law firm of XXXX XXXX XXXX ( debt collectors ) to court earlier this year and the court ruled in my favor. However, there was a period of years that interest rates soared and I was paying this debt off every time I got paid and have the receipts to prove that I did pay, $ XXXX/month. The last payment was late due to my diagnosis of XXXX XXXX. All through my surgery and treatment I was getting letters and threats of garnishments from XXXX XXXX XXXX. The original credit card was from Capital One Bank. Because the last payment was late, XXXX XXXX XXXX was adding interest onto the debt as well as, claiming they could now charge me not only the original amount of the card but with added interest! When I finally did make the last {$75.00} payment, in good faith I paid a double payment of {$150.00} and yet XXXX XXXX XXXX persisted in harassing me for the original amount with a huge amount of interest attached to it. 

When we went to court, we settled and it was decided that I did not owe the law firm/bank any money. My question, however, is this : for all those years of harassment and mental anguish by continually attempting to get even more money out of me unconscionably so during a diagnosis of XXXX XXXX and subsequent treatments ( as well as spousal abuse, divorce, a move and my father dying - all this in 2009 ), was XXXX XXXX XXXX 's practice of charging additional interest rates legal as well as the harassment and mental anguish I was being put through for what amounted to a mere {$75.00}?? 

The original amount of the credit card was for, I believe {$300.00}. As of XXXX, 2009, XXXX XXXX XXXX were attempting to have me pay, {$1300.00}. 

Any legal advice I received during this time was free from : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX York, NY XXXX advise and thank you for your time.

Company response to consumer: Closed with explanation