BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to describe a distressing situation that occurred today, XX/XX/2023, at approximately XXXX XXXX  EST. I was attempting to deposit {$300.00} into my Capital One checking account ending in XXXX using an ATM located at the bank entrance in XXXX, New Jersey. During the deposit process, my money became stuck in the machine. 

Two employees of the bank, XXXX ( a XXXX woman, aged between XXXX years ) and XXXX ( a man of XXXX origin ), approached and were made aware of the situation. Despite acknowledging my predicament, they unfortunately stated they were unable to assist me and instructed me to call Capital One 's customer service department for resolution. 

Acting on their advice, I immediately contacted Capital One 's customer service, explaining the situation in detail. However, to my dismay, the customer service representatives also refused to return my funds, leaving me with a loss of {$300.00} with no immediate solution provided.

I am seeking your professional advice and assistance to resolve this matter. I am hoping for a full refund of the lost funds from Capital One bank. I trust that this can be resolved amicably, however, I am prepared to take legal action if necessary. 

Thank you for your attention to this matter, and I look forward to your guidance in this distressing situation.I have proof of videos and pictures. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Exeter finance. Ive had this loan for almost 6 years. I am supposed to have two remaining payments in the amount of {$380.00}. I received a letter from them stating that there is an extra almost {$1500.00} worth of interest applied to my loan because they put two loan payments on the end of my loan five years ago. No one ever told me that they were going to be assessing an extra {$1500.00} worth of interest, and then they send me a letter threatening to report me to the credit bureau if I dont have that extra {$1500.00} paid off by the end of my loan on XX/XX/XXXX. This loan has been current for five years or so. I attempted to call them and speak to them about it, theyre trying to tell me that what theyre doing is OK and that I have to pay it and if I dont pay it then theyre going to repo my car and report me to the credit bureau. I have made 70 payments on this car, Im supposed to have two remaining payments, I signed a contract for 72 payments, and now they want me to come up with an extra {$1500.00} in a month. I asked them to produce proof that someone even spoke to me about this or I signed something saying that theyre going to assess an extra {$1500.00} and the woman told me because Im in Florida that they dont have to do that. I dont understand how a business can be deceptive and then take something from me that I have paid for for six years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  received a REQUEST for debt validation signed. They failed to produce this documentation signed. Therefore the alleged account is now settled and closed. Concurrently they never responded with a debt validation letter with a signature or a true bill of indictment for the alleged bill. This account has been deemed usurious by Florida law below XXXX contracts defined. ( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. ( 2 ) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I received an email ( to and old email account ) from XXXX XXXX XXXX saying I owed {$1100.00} for a new XXXX. Someone used my name and old email address and had XXXX XXXX XXXX  ship a new XXXX to a town XXXX miles from where I live. ( I have been a XXXX customer for 15 years and have never used XXXX XXXX XXXX. ) I tried multiple times to contact XXXX XXXX XXXX but could not because I've never had an account number with them. They sent this to a collection agency XXXX XXXX XXXX XXXX ) and after multiple contacts with them in XXXX and XX/XX/2021. I thought this matter was closed. 

XXXX XXXX, 2021 I receive an email saying that SUNRISE CREDIT SERVICES, INC. ( a SECOND collection agency ) had contacted XXXX regarding this same debt. So I called Sunrise and had to answer a number of questions and was told they would send me something in the mail. 

I am tired of spinning my wheels on this matter and sick of being harassed because someone committed fraud against XXXX XXXX XXXX using my name and email address. I can't seem to stop this ... can you please help me??

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 2019-05-30
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
Incorrect information, this is a joint account with my spouse and his was removed from his report and mine is still showing.

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 2023-03-22
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I entered into this lease around XX/XX/XXXX and have made all payments as agreed. 

We moved from XXXX to XXXX in XX/XX/XXXX and it took us three months of working with Kia to get the information needed to transfer the title. The process was extremely frustrating. 

Then in XX/XX/XXXX I received a bill for an addiitonal {$28.00} per month for NC state property taxes. I sent Kia a registered letter documenting the fact that I paid the property tax at the time we registered the vehicle. I asked them to research and refund me the amount I paid or to explain why they were billing this amount after I provided proof of payment. 

Then in XXXX I received another bill for Texas property taxes. Since we have not lived in XXXX for almost 6 months I asked them to provide me with more information about the taxes billed. 

Since last XXXX I have made countless calls, sent numerous emails and three registered letters asking for more information and detail on the amounts being billed. I have not received any response to any of these requests. 

Now I am receiving collection calls about these amounts and asking when I can pay. I have told them repeatedly that I am willing to pay once someone responds to my numerous requests. The collections agent says that they can not answer any questions and can not provide any assistance in getting the tax department to respond. 

As you can imagine, I am at my wits end and feel this behavior by Kia is very unfair and borderline abusive. They are threatening to report me past due and stating that the calls are an attempt to collect a debt but they refuse to provide me any supporting documentation or information. I am not sure what else I can 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 explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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.

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 2023-08-16
Company: CNG FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed by phone for months by XXXX XXXX XXXX, who I think was previously harassing me under a different company name. Multiple phone calls per day, seven days a week -- two today already ( XX/XX/23 ). They state I owe {$970.00} to a company called Check N Go. I never received money from this company, I've never even heard of it. I called them today and requested their address, and also then to speak to a manager after they refused to give me any co. information. They refused to put me through to a manager. 

This happened to me a few times with different companies in the last few years, one of them more recently I believe being whoever XXXX was prior to being called XXXX, as the same male with a southern accent left the same messages under a different company name previously ( shut down their scam shop and opened under a new name? ) I am being harassed for money I never took from a co. I never heard of. This is disgusting, predatory behavior by this " debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Venmo to send money to a contractor for window replacement services at my house. I sent him {$13000.00} as a deposit. Not long after this transaction, the contractor found out there would be a problem sourcing the materials. So he promptly returned my payment of {$13000.00}. This left me with a deposit of {$13000.00} in my Venmo account. I tried to transfer this back to my checking account, but Venmo informed me that I have a limit of transfer to my bank of {$4900.00} per week. This means it would take 3 weeks to fully withdraw all the funds in my Venmo account, so I left the money in Venmo in anticipation of needing to send it to the contract at some point in the future. 

After XXXX hours of work, the contractor was able to secure the materials for my project, at which point I attempt to resend the {$13000.00} via Venmo. Venmo declined this transaction multiple times, so contacted their support and chatted with an agent for about XXXX min. The agent informed me that I had zero options to be able to get my money or to send it to anyone because the transaction was blocked by an automated security system. I asked multiple times to escalate the matter, but the agent informed me that this was futile because the company did not have a process to override the automated action and that no amount of escalation would resolve this.

Essentially, Venmo is now holding my money hostage, and they can't even tell me whether I will be able to complete the transaction at a later date. I find it abhorrent that they don't even have a process to override an automated system, which has the effect of preventing a user from accessing funds. I would say this is theft of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I spoke to US Bank due to credit card account closure without my consent/acknowledgment. 

US Bank claims that they closed my account because I did not respond to letter/mail that were sent out for address verification ( on XX/XX/XXXX and XX/XX/XXXX ) which I never received. US Bank could not provide any proof of them sent out mail. 

US Bank also did not make an attempt to reach me via phone or email which were listed on my US Bank credit card account. 

US Bank is making a false statement about sending/mailing out such letter/notice because my account is set to receive any/all statement/letter/notice paperless, should received by email only, instead of in the U.S. Mail. 

Once again, I should not be receiving any letter/notice by physical mails, but only by email ( paperless ) and US Bank is lying about mails were sent out to me. 

I also checked, logged into my US Bank online, and copy of such address verification letter/notice is not available. This is usual unethical/illegal business practice of US Bank. 

To CFPB : It is expected that US Banks will respond to this complaint stating that my address on file is not a residential address and it's irrelevant to this complaint. US Bank needs to provide proof of US Mail they sent out to me and explain why they decided to send out US Mail ( if US Bank ever sent anything out via US Mail ) even if my communication/correspondent preference if set as paperless/email and why there's no such copy on my US Bank online. Once again, US Bank fail to use proper delivering method to notifying customer with such notice.

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 2023-06-30
Company: Fidelity National Information Services, Inc. (FNIS)
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: Credit inquiries on your report that you don't recognize

Complaint:
Chex Systems, Please see attached - there are many unauthorized inquires on my report that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Central Portfolio Control Inc.
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: Information belongs to someone else

Complaint:
I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX collection ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was contacted via text by someone I thought was Wells Fargo asking if I had attempted to make a withdrawl on XX/XX/XXXX of {$400.00} from a XXXX  ATM, XXXX. I did not realize the number it was sent from was a std 10 digit number and not a 5 digit number. 
An auto response came back that someone from Wells Fargo Fraud Dept would be reaching out. 
On XX/XX/XXXX I received a call from someone identifying themselves as a Wells Fargo Fraud Rep, they continued to say they would help me shut the card down and open new accounts. 
I spent an hour and 45 mins on the phone with them as they somehow accessed my online banking info, without getting any personal info from me. They sent me a text from XXXX saying they were working in the back ground to cancel the card and asked me to reply yes to an auto text saying " FreeMsg : Verify Wells Fargo activity. Card **** {$300.00} @ ATM Transctio {$52.00} @ XXXX XXXX REply Y if recognized, or call XXXX '' which now I know was them getting me to authorize the fraudulent transaction. 
BUt I still don't know how they were able to get into be online account. 
They transferred all my savings into my checking account and advanced as much cash on my CC they could to my checking. 
Then went on a spending spree around the area. I have filed a police report but it is still active and not assigned to a detective as of today. 
Wells Fargo has denied my claim and will not refund the fraudulent charges and I'm left holding bag. I get married in a month and have no savings and no curent way to pay my bills. 
I need help!!

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 2023-06-30
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX  I sent {$1800.00} for payment and Payments were lost on XXXX XXXX  I sent {$1800.00} for payment and payments were lost

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I contacted XXXX, XXXX and Transunion to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations

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 2022-12-16
Company: EQUIFAX, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
some one was able to add themselves to 2 of my XXXX XXXX cards in XX/XX/2017. now equifax put back one of the account on my credit report after it was removed in 2017. They seem to have a very poor and faulty reporting system. 

I called them in march of XX/XX/2017 to remove this person from my account, and there after they allowed charges to continue on the account after i request this fraudulent person be removed from the account. 

By XX/XX/2017 after the account was closed i had a credit balance on the account.. 

Between XX/XX/2017 and XX/XX/2017 i spent son many time and money to fix this breach, and now they are showing bcak the card on my report as a charge off. 

This is totally unacceptable, i need them to correct the error they are reporting. they are also reporting my td bank as closed when it is open. 

Why are they still allowed to be in business? They are totally not a reliable source of reporting. 

I need to file a claim against them

Company response to consumer: Closed with explanation