BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
FIRST AND FOREMOST CAPITAL ONE AUTO FINANCE RESPONDED TO MY INITIAL LETTER CERTIFIED XXXX MAIL ( TRACKING # : XXXX ) WITH A LENGTHY AGREEMENT ( PROOF OF UNAUTHORIZED USE ) AS IF THAT WAS SUFFICIENT EVIDENCE OF ANY ALLEGED DEBTS. BY FURNISHING THAT AGREEMENT, THAT CONSTITUTES ADMISSION TO MY ALLEGATIONS. CAPITAL ONE AUTO FINANCE IS GUILTY, LIABLE AND RESPONSIBLE FOR ALL DAMAGES ARISING FROM THERE DECEPTIVE, MANIPULATIVE, AND COERCIVE BEHAVIOR. CAPITAL ONE AUTO FINANCE DIRECTLY VIOLATED MY RIGHTS PURSUANT TO FEDERAL LAW. CAPITAL ONE AUTO FINANCES ALLEGED AGREEMENT DID NOT SET FORTH THE PERTINENT FACTS OF THE MATTER IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER ; NOR DID ANY OF ITS AGENTS. IT WAS IMPOSSIBLE FOR ME TO UNDERSTAND THE JARGON WITHOUT MY OWN LEGAL COUNSEL PRESENT. ANY ALLEGED AGREEMENT BETWEEN ME AND CAPITAL ONE AUTO FINANCE IS NULL/VOID! I NEVER RECEIVED ADEQUATE NOTICE PLUS CAPITAL ONE AUTO FINANCE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CAPITAL ONE AUTO FINANCE REPORTING FALSE ALLEGATIONS TO XXXX PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ALLY FINCL {$21000.00} Requesting to remove the account from my credit report

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 2022-10-07
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Transunion In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 contacted XXXX XXXX and capital one auto financial and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been in forbearance, I called the mortgage company to start payments XXXX XXXX.I finally got a job after this XXXX they said they were deferring my forbearance payments and start payments again on XXXX XXXX.they said someone would come to my house to sign paper.I agreed it gave me a extra month to start payments back up. nobodys contacted me this was on XX/XX/2021 .so I called back on XX/XX/XXXX, lady said they couldnt find anyone to come to my home to sign papers .then she said would have to have my ex-husband who Ive been divorced almost 4 years he is no longer on the deed I got the house in the in the divorce.Hes an XXXX man I have no idea where hes at so then she began to tell me then I could not do the deferred payments and then I would have to have {$13000.00} by next month or I would go into foreclosure.they did not state this on XX/XX/XXXX, I sent over court papers from the divorce and deed signed off .I want to keep my house, and agreed to start payments on XXXX .she told me today there was no way around this find the ex or lose house .rocket mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: ENOVA INTERNATIONAL, INC.
State: TN
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:
A review of my credit report shows a XXXX dollar account. It is marked as a collection charge off. I received no letter for this debt. I received no XXXX for the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My school closed down and my payments went into forbearance and I had been making payment but since I didnt graduate I dont believe I should be responsible for paying the XXXX I have in school loans for that school. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying my car payment through billpay. The checks have been sent out and not returned. The account number is on the checks. However, I keep getting calls saying that I haven't paid my car payment and its going against my credit. I'm doing my part but I have no control over how GM Financial does things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 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. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
JPMCB CARD XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXXYou are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB CARD XXXX You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
There is a collection account by XXXX XXXX XXXX appearing on my credit report that does not belong to me. the Original Creditor is XXXX XXXX XXXX XXXX XXXX, its showing a balance of {$15000.00}. This account is a result of identity theft and fraud. I have attached my FTC report to this complaint. Please remove and block this fraudulent account 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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and I contacted Capital One Bank immediately at the time I realized my debit card was missing. I have only ever had a debit card stolen less than a handful of times. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges. I noticed during the phone call initially that the representative may have misunderstood and submitted the transactions as a dispute rather than marked them as fraudulent. I am the only one authorized to use my debit card, and nobody else is. The charges in question were for a {$110.00}, and {$300.00} for a total of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: United Collection Bureau, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former XXXX XXXX XXXXXXXX, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less! 

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check. 

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation. 

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. 

I told him he was being condescending and that I didn't appreciate the way I was being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me. 

I have a XXXX XXXX  which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is. 

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: SYNCHRONY FINANCIAL
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-11
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX Inquiries from 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 2023-02-16
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
CRIMINAL ACTIVITY CRIMES COMMITTED : THIS REPORT WILL PROVIDE INFORMATION IN REGARD TO WHAT IS PERCEIVED TOP BE MONEY LAUNDERING. 

According to an entry situated in a CHIME account belonging to XXXX XXXX XXXX there awas a deposit made of XXXX that was reported in an email message and appeared in the data of the CHIME Credit CardBuilder. THe day of the entry was XXXX, near the XXXX or near the date. 

According to the apparent deposit, the CHIME Credit Card holder knew nothing about the origin of the XXXX amount while, instead, the card holder was expecting deposit ( s ) of XXXX pension benefit ( s ) on or near the same date. 

According to the report, the card holder questioned the XXXX entry and, subsequently, forwarded a message to the XXXX XXXX XXXX XXXX concerning that which was presumed to have been a slight and a deduction from the expected SSA retirement pension deposit. 

THe retirement pension deposit is received at the CHIME card servicer by way of Direct Deposit from the Social Security Administration. on a monthly basis. 
Card holder was, then, made aware that the XXXX dollar deposit, which at that time was no longer situated in the Card depository, was not associated with SSA Direct Deposit ( s ). 

Thereafter, on XX/XX/2023, a notification appeared at the CHIME SMS messaging indicating that a payment of XXXX was made to an unknown recipient. 

At that time the card holder became concerned that their CHIME accoutnt was/is being used as a conduit for some unknown party 's activities that involve Financial Fraud , Theft and, Money Laundering.

Information may be forwarded in regard to the CHIME account number, Routing number and other information that may be necessary to represent evidence that may lead to the source of the crime. 

A call placed to the CHIME office provided NO ASSISTANCE at all. The call placed to CHIME customer service on XX/XX/2023 resulted in the customer service representative transposing the amount of the deposit while after being told that the errant depost was XXXX, the CHIME customer service representative responded -- after claiming to research the information -- stating that an entry was located on the date stated and did not match the data provided by the card hold while the CS representative stated that the entry located in the data was XXXX. THe customer service representative disclaimed the information provided by the card holder as being wrong. The card holder disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Wells Fargo mortgage on XX/XX/XXXX regarding my existing loan modification loan regarding the maturity date of XX/XX/2052 with XXXX payments remaining. I have been paying on this loan since XX/XX/2013 so it doesn't make sense to me that I still have 30 years left on this loan. Plus I found out that 73 % of my payments go to interest! The math doesn't add up to me and I would like this explained to me. One of their reps promised he would call me back but never did. I feel like I am getting the run around and no one wants to help me. He was going to transfer me to their home preservation department but they refused to take my call. I just want to make sure I am not over paying on my mortgage and that I have the correct amount of terms left. I had to stay on top of getting this loan modification since it took 2 years to approve. During that process they assigned me to numerous reps and then said I missed deadlines and had me start the whole process all over again. Also while going thru this process they would send me monthly foreclosure notices. It was a very stressful time for 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 2023-01-30
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This agency was contacted in regards to removing the inquiries from the collection agencies off of the account and as a result of pursuant of credit debt collection and obligation to rightfully submit debts and documents and not oppose the debt in a way from non fair communication efforts that would therefore lead an individual liable for the debt under pursuant of the debt collection agencies laws and regulations. As a result the company threatened to take legal action wrongfully under the pursuant of the law and throughly harassed me for reporting rhis information.

Company response to consumer: Closed with explanation