BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX XXXX opened a debt collection of {$2100.00} from the original creditor 08 Capital One Bank USA. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 collection accounts on my credit report and late payments that do not belong to me. I want the accounts removed from my credit report. Here is my FTC report as well. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
Company: CAPITAL ONE 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:
The attorney 's office, XXXX XXXX XXXX, and the original creditor, Capital One, are not accurately reporting the original balance on my credit report since the charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Received notice from XXXX ( file # XXXX ) that someone had tried to open a credit card account through Capital One. I talked to XXXX ( pathetic answering system, but that is another story ) and set up a fraud alert, etc. I then contacted Capital One to obtain more information and they could not find anything using my Soc. Sec. number. address, phone #, etc. So I do not have any information regarding possible location, person, etc. 

A couple of years previously I have had problems with XXXX opening an account in my name. Also, someone tried to use my XXXX XXXX in Florida - I live in the XXXX and never go to Florida. Finally someone in Florida charged my Visa but I managed to have that cancelled. I complained to the Florida government department and they did not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Credit Card for Discount Tire which is one of Synchrony Banks Credit Cards. 
I am being charged a late fee starting XX/XX/XXXX  ( 29.00 ), XX/XX/ ( 40.00 ), XX/XX/XXXX  ( 41.00 ), XX/XX/ ( 41.00 ) for paying my monthly bill early. 
Iget paid on the first of every month and I pay my bills then. I also get paid on forth Wednesday of the month.

I reached out to Synchony Bank as inquired why the late fee 's. They Told me because I PAY MY BILL EARLY. There billing cycle is from the 5th to 28 th of each month. If I pay before the 5th of each month I have a late fee charged. 
This is absolutely ridiculous. 
This practice is wrong in so many ways. They are getting there money every month on time or a day or two early and I get charged for this. 
I included a statement showing late fee.

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: IL
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX NA Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 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 an account without my handwritten 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 2017-02-23
Company: PMMC and Associates, LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On  XXXX   XXXX  I signed up with   XXXX   XXXX   XXXX   or  PMMC and Associates LLC in or der to have them help me consolidate my student loans with the   XXXX   XXXX   XXXX  . They asked me to pay {$900.00} to simply fill out my application and submit it. I paid {$120.00} at that time and set up a payment plan to pay the rest of the fee in installments over the next 4 months on  XXXX   XXXX . I was told that I would be able to cancel my agreement with the company if the consolidation went through and I was unsatisfied with my monthly payment. I provided    XXXX   XXXX   XXXX   / PMMC and Associates wit h all of the personal information they asked for on  XXXX   XXXX . I received information from   XXXX   and spoke to them on  XXXX   XXXX  they informed me that they had received my application but not my income information from  PMMC and Ass ociates which I had sent to them on  XXXX   XXXX . I called  PMMC to inquire   about this and was instructed that the documentation had been sent and they did n't know why  XXXX  had not received it they said they would resend this documentation. I called  XXXX  on  XXXX   XXXX  and was informed that they still had yet to receive my income information to from  PMMC and Associates.   On   XXXX   XXXX   I emailed PMMC/  XXXX   XXXX   XXXX   my intention of cancelling my service with their company because they had failed to ensure that all necessary and personal documentation was received by  XXXX  as of   XXXX   XXXX     XXXX   XXXX   I called    XXXX   XXXX   XXXX   and req uested a cancellation of service and a stop to all future payments there forth. A representative named  XXXX  who identified himself as the head of their processing department responded that they would not cancel my service or refund any of my payments and that if I stopped any future payment with them that they would send my account to collections.  PMMC and Associates/  XXXX   XXXX   XXXX   Charged me {$900.00} for a service that was not fully provided, and informed me that they would send my account into  collections when I tried to cancel service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took out a credit builder loan with Moneylion. The promise for paying off the loan was that credit reserve funds will be disbursed to my account once paid off. Ive waited over a month and still no resolution. Ive called and chatted with different representatives and they have given me the same answer, thats its with our investigation team. I am not sure why its taking this long to investigate a process that Moneylion themselves promise to their customers.

Ive been a loyal customer with Moneylion for years and never had an issue with their products until now. Ive experienced financial burden from budgeting as a result of the credit reserve funds not being released.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$3800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my chase business account with {$200.00} dollars and now its shows Im negative its not fair I didnt even get to use my card since I lost it and they have been charging me monthly service fees without me knowing I asked if as a courtesy they can reimburse me these fees they said no

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 the fair credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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 XXXX XXXX XXXX ACCOUNT NUMBER - 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 2023-10-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan.

Zero Inquires on XXXX, 1 Inquiry on Equifax, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform XXXX XXXX XXXX With all that being my credit score should be in the 800s. Minimally high 700s.

XXXX XXXX XXXX which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the XXXX XXXX XXXX and XXXX platforms there is a section in XXXX XXXX XXXX called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature.

15 US Code 1666b In accordance with FCRA, ( SELF LENDER ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.

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 2021-04-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A previous complaint was filed against this company concerning an unsigned sales contract. Their response to the first complaint was sending a copy of a XXXX XXXX XXXX XXXX Process. This form is bogus. It has fake signatures that don't remotely resemble our signatures. A complaint was also filed with the Texas Attorney General last year and the Texas XXXX XXXX XXXXXXXX XXXX this year. The attorney generals complaint produced an electronic reproduction of a sales contract with electronically filled in signatures and initials. I spoke with a woman XXXX XXXX XXXX last month regarding this account. She wanted me to send copies of our signatures to XXXX XXXX for verification but they are not to be trusted. I feel like they will try to make other fake documents with our real signatures.

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 2023-09-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I will not accept your attempt to downplay my identity theft claim as a mistake or misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFICANT FACT? YOU ARE NOT A JUDGE, A JURY ORIN ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your bureau, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized accounts and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. My rights as a consumer must be upheld, and justice must prevail. PLEASE DELETE THESE ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: SC
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 RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, XXXX, AND EXPERIAN HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

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 2023-08-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is about synchrony bank. The current issue is for a loan from Synchrony for a XXXX recreational vehicle. The same exact thing happened when I had a loan through synchrony for a XXXX recreational vehicle, which paid of and was paid off far in advance of the loan term. 
For my current XXXX loan I always recieve my bill in the mail between the XXXX and XXXX of the month. The due date is the XXXX of the next month. I always write the check the same day I recieve the bill, and mail it out that evening, on my way to work the next morning, or during lunch, or on my way home from work. Today Synchrony called me at XXXX to collect a payment and late fees from me over the phone saying that they have not recieved my payment. This same exact scenario happened when I had the loan through Synchrony for the XXXX. I suspect that they purposely create this scenario in order to try to collect more fees. They purposely mail the bill out just in the nick of time to get to my house so that i have to make sure to write the check and mail it out the same or next day, hoping that it will be delayed in the postal service so that they can try to collect more fees. What supports my theory is that this day and age, they do NOT offer a way to pay the bill online like literally every other financial instiution in the United States of America. They offer to let you pay over the phone, for an extra fee of course. Even tiny little county banks and my single branch employees only credit union offer online access now days. If you view my credit history and exceptional score, you will see that since my first loan the age of XXXX, XXXX  years ago, I have only ever had one late payment due to a mail delay. And every single loan has been paid off far in advance even the only loan that had a late payment.

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