BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CALLED THE CREDITOR AND TOLD THEM THAT I DID NOT APPLY FOR THE CREDIT AND THEY STILL REPORTING IT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT  XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TAKE  5-10 BU SINESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX   XXXX  Original Creditor   XXXX   XXXX    XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: U.S. BANCORP
State: CA
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 rewards from credit card

Complaint:
I called in to Fidelity Card Services through Elan Financial Services and asked them to redeem my reward points and transfer the funds to my Fidelity cash account. They said it would be two days. Three days later nothing had been deposited and was told it would be seven days. Nine days later I called and they told me sorry but it has been sent to " research '' and will take two weeks! They offer no compensation for the time I have spent resolving this which has exceeded ten hours nor have they offered to pay interest at the same rate they charge me to use the card. Not to mention the anxiety  generated having to deal with these lying thieves.

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 2017-03-03
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per my credit report i own Capital one {$3000.00} which i did not ope this account nor i have never had a capital one account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I requested full validation of the debt And the original contract with companies listed below I haven't received any validation XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 2020-09-22
Company: EQUIFAX, INC.
State: UT
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:
I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Rocky Mountain Capital Management
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 rocky mountain capital management and office of attorney general has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2022-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having so much trouble trying to get Chase to pay my real estate taxes. I have called multiple times to try to get them to pay the real estate taxes correctly. They had the incorrect block and lot number and I provided the documents for them to correct it on the first week of XXXX. They never got back to me. It was only till I realized that they did nothing, that I called them back towards the end of XXXX, asking why were my taxes not paid. Then they made me wait another 3 weeks to process my payment. Another week has gone by and Dept of Finance ( 311 ) has confirmed that they didn't receive the payment. I called Chase to let them know that XXXX hasn't received the payments and if I can get the wire confirmation. They told me it will take another 7 days for them to process this request to mail me the confirmation of the wire. At this point, I am tired of waiting and playing the middle man. While all this is happening, my balance remains unpaid and I am incurring late fees and interest. I'm getting punished for something that isn't my fault. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$3100.00}

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 2022-03-26
Company: EQUIFAX, INC.
State: TX
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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual data XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please delete immediately from trans union. And items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Factual data XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized these hard inquiries please delete 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 non-monetary relief
Consumer complaint received 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I sent CAPITAL ONE AUTO FINANCE a US Postal Money Order with a CERTIFIED MAIL # ( XXXX ) constituting and satisfying all claims of that instrument, without recourse. ( attached to this complaint ) I understand that the note I sent, is a Secured Transferrable Negotiable Instrument meeting all requirements of U.C.C. - Article 3, as a Money Order. The Negotiable Instrument I presented to Capital One is under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ). 

Capital One Auto Finance received my Postal Money Order on XX/XX/2021 ( attached to this complaint ) Capital One Auto Finance ACCEPTED FOR VALUE and CASHED the Postal Money Order I presented to them by XX/XX/2021. ( attached to this complaint ) To my understanding, I have the right to ENFORCE this instrument according to UCC 3-301 [ PERSON ENTITLED TO ENFORCE INSTRUMENT ] I, in good faith tendered the instrument as full satisfaction. UCC 3-311 [ ACCORD AND SATISFACTION BY USE OF INSTRUMENT ] Capital One Auto has been in dishonor ever since. I have sent multiple affidavits to the CEO/CFO for acknowledgment of my Tendered Payment, and they have failed to respond and correct the issue at hand. They did not rebuttal any affidavit point for point. I sent them a CEASE AND DESIST affidavit on XX/XX/2021 to stop communication, collecting debts, furnishing any information to my consumer file. They've sent me mail anyway. 

I included this in the affidavits : Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. 

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) I demand deletion from all consumer reports, clear out payment history, grant me my title lien free, do not close my accounts without authorized permission, do not seize or attempt to seize anything in my possession, remove all remarks or comments from my consumer report, zero out the balance on this account, cease and rescind us of my intellectual property, my signature. 

Capital One Auto has failed to honor any of my demands. 

I am now seeking remedy and help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other fee

Complaint:
Citibank guaranteed an annual fee refund when I downgraded my Citi ThankYou Premier card ( which carries a {$95.00} annual fee ) to a Citi ThankYou preferred card ( which carries no annual fee ). Despite several attempts to contact, and request my refund, they refuse to respond.

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 monetary relief
Consumer complaint received 2022-08-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed my latest XXXX vehicle with Infiniti finance. I paid the vehicle off in XXXX of this year but have not received the clear title. I have called the customer service line numerous times and I am still being told that the title had incorrect information and they are trying to get a new title from New jersey motor vehicle. After almost 3 months and several calls, I just need my title so, I willing to get it myself from Motor vehicle. The issue is that Infiniti will not send me a lien release which I am intitled to. it has become very frustrating, and no one seems to be able to get me this document. I would greatly appreciate any help in this matter. I only need the lien release so I can get my title. 

Here is the information for the loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Rushmore Service Center, LLC
State: MI
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:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX Credit Card company in order to resolve an issue on my account. My account is reflecting a balance that should reflect paid in full as of XXXX. The company is stating I owe a balance of approx {$310.00}. 

I was working with XXXX XXXX XXXX XXXX XXXX For 2 years to pay off debt. I completed the program as of XX/XX/XXXX. At the time, XXXX XXXX XXXX Credit Card company sold my debt to Rushmore Service Center but as of XX/XX/XXXX they switched debt collections to XXXX XXXX   XXXX. We ( credit counseling company and I ) were never notified of the changes. Payments began to be forwarded to XXXX XXXX after the change. XXXX XXXX states that Rushmore cashes the check and then electronically submits payment over to them. 

A total of {$1000.00} was the beginning balance owed to XXXX XXXX and was paid in full with XXXX XXXX XXXX XXXX. After back and forth calls to XXXX XXXX and Rushmore service   center, both stated to me that they can not provide a statement of all the payments received so that I can compare with my XXXX XXXX statement of payments sent out. After being denied, I asked to speak with a manager at XXXX XXXX to help with receiving a statement and was denied that request. I asked for the representatives name in which she denied me that information as well. On XX/XX/XXXX I contacted XXXX XXXX so that they can verbally go over payments they received. XXXX provided me the payments but also made sure to reiterate she wont be providing me a written statement. From the payments she listed, there are several payments missing. She said she could not help me and to contact green path. I spoke with XXXX at XXXX XXXX who took the time to contact XXXX XXXX while on the line to help find missing payments. We spoke with XXXX, who seemed to be very dismissive and defensive. She then advised us to contact Rushmore. We both called Rushmore and they referred us back to XXXX XXXX. XXXX faxed over the payments that are missing, to one of Rushmores credit reps. 

I asked for copies of the check they received or if they can check to see if checks were applied to the wrong account. They have been unprofessional as well as very dismissive of my issue. I am being denied written statements and they cant account where my money was being applied to. I should not still owe a balance with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX XXXX XXXX had irregular and fraudulent billing on my account during the beginning of pandemic in XXXX, 2020. I was sent the incorrect cell phone, returned the phone with the packaging they provided and they then charged me for a damaged phone. The dispute went through arbitration and received a settlement from XXXX XXXX for the amount they incorrectly billed me. My apartment community, XXXX XXXX is responsible for tenants cable payments via rent charges. 
I do have the settlement letter and do not know why I was reported to collections for {$1100.00}. I have contacted both collection agency and XXXX and neither has been able to produce any bills for the amount reported to collections. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was told that the georgia power bill and the bankruptcy case have my address and other personal information stateing that it is my accounts. I have contact georgia power and I was told that was not my account. and I have all so contact the court house where the case was filed. and I spoke to someone and the information was check and I was ask for the last XXXX digit of my social security number and my address and other personal information. and I was told that the information didn`t match and that we were to different people. Equifax updated my information to that person credit report because when equifax ask me send in a copy of my ID. and a copy of my social security number and told me to call them back the next week. when I call back I was told that my information had been updated. equifax used my information that I sent to them to try to make me be that other person. they need to get off their sorry butts and do their job. they have already sent me the lady personal information and we are not the same person also the jobs that was put down where I claim to have work are not mys jobs. also I don`t have no reason to file bankruptcy they need to start working to get this messed fixed. or I will see them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

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 2021-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested that Equifax remove this item from my credit. This item is a result of Identity Theft and Equifax just refuses to remove the item even though it is deemed to be identity theft. I need this item removed asap as this is damaging my credit and making it difficult for me to obtain housing and employment. The company was unable to produce a signed contract that has my signature and law enforcement was contacted as well as proof was provided that this address in question was not my address at the time the fraudulent account was opened. 

Please remove this item and any associated addresses and inquiries from my credit asap! I have spoken with a consumer attorney who is ready to help me, however, I wanted to try and resolve this directly with the company seeing as how I have followed all the necessary steps to track the identity theft and remove it from my credit report as required. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Square Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday night at XXXX ; XXXX a visitor accessed my phone when I was showering. She opened my phone and made a cashapp transaction to herself of XXXX XXXX she became uncooperative saying she doesnt have access to her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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:
I called XXXX  XXXX  to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation