BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I took over payments of a truck. My friend and I did a contract between us. She bought the truck from XXXX XXXX and got it finance through Capital One Auto Finance. I give her the payments through XXXX and she gives them to Capital One.I have not paid the registration since XXXX XXXX XXXX. I don't have insurance as well because the truck was stolen months ago and I couldn't do an insurance claim because there was no insurance on the truck. I did not want to give her money for the insurance because she was not paying for it. Can she take the truck away from me for not paying the registration and not having insurance even if I have gave all payments on time? I uploaded a copy of the contract between her and I. Are these contracts even valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir or Madam, I did not receive my student loan for XX/XX/XXXX8. I received checks in the mail that said sign it and the money is yours. I was in a rough spot and still am but I needed the money to keep going to school. I have contacted the loan institutions and asked for a lower payment and interest charge. They ( XXXX and XXXX XXXX ) are currently charging me 48 % and 79 % interest, respectively. 
They will not budge. They offer to let me borrow more money to pay the loan but that will not help. They are only sending out these checks to poor neighborhoods. 
I do not know if there is anything I can do but feel it should be reported as predatory lending practices. 

XXXX XXXX - {$1900.00} loan ( 48 % interest ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX & XXXX XXXX ( {$920.00} loan - 79 % interest ) https : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX For the record I have contacted all other reputable credit card companies and they have worked with me to reduce my payments and interest temporarily. None of them had the high interest rate that comes close to the two companies above but they were all willing to work with me to help me resolve my debt problem. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-01-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a payday loan with Ace Cash Express located at XXXX XXXX XXXX in XXXX, XXXX  XXXX. I have a payment plan to repay this loan. On XX/XX/ I paid the XXXX payment of this repayment agreement online on the company 's website. I authorized the payment of {$100.00} which was due on XX/XX/. On XX/XX/XXXX  after checking my bank account, I see that Ace Cash Express took another unauthorized payment of {$200.00} from my bank account. I did not authorize this payment. I immediately contacted customer service and the store 's manager. This unauthorized payment has overdrawn my bank account. This company owes me money to fix the overages to my account. I have hospital bills that are set up on autopay from my account and now overdraft fees have been accessed because of this transaction taking the money which was for those hospital bills. This is fraud and theft. The XXXX XXXX for this company is in no hurry to fix this problem, all she gives are excuses and refuses to return phone calls promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: VA
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 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 inquiries. 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 explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXXBalance Owed : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can't unfreeze or even access my Experian credit report because my identity was stolen and the person ( s ) responsible have changed the email address to verify my identity to an email ( XXXX ) in order to lock me out of my credit report, most likely believing he/she/they would not be identified if I were locked out of my report. I also was asked various security questions, one of which mentioned that I had lived on ( XXXX ) and have taken out a student loan in XXXX, which is a complete falsehood. Due to these setbacks, I can not place a 1yr fraud alert on my report, nor am I able to access the resources I needed to begin the next semester of obtaining a XXXX XXXX XXXX, which is absolutely detrimental to my educational, financial, career, and ultimately life goals. Thank you for your assistance and please keep me updated, as I am desperate to begin school again, as I thoroughly planned on eventually receiving a XXXX in XXXX, and this is absolutely destroying my life goals and pursuit of happiness. Your service is greatly appreciated. XXXX bless 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 2023-05-17
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXS XXXX  Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Experian XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. Experian XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. 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 written instruction.

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 2023-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Having issue with XXXX XXXX XXXX, Experian, XXXX, and XXXX. It is true that I did fall behind on payments for my XXXX credit card and XXXX did assist in negotiating a settlement. However, after paying agreed settlement and receiving a statement that shows {$0.00} owed. XXXX XXXX refuses to report this to credit bureaus. I paid final payment of {$360.00} on XX/XX/23. I have filed multiple disputes with the each credit bureau to include uploading supporting documents that show balanced owed is {$0.00}. My bank statements showing date money taking out by XXXX XXXX XXXX, and copy of balance on XXXX XXXX XXXX showing remaining balance of {$0.00}. Each time file dispute XXXX XXXX XXXX just tells credit Bureau information of Remaining balance is {$360.00}. The credit Bureaus, particularly Experian have seen these uploaded documents but still decided to let remaining balance remain. It is as if none of them even looked at documents, especially the XXXX XXXX statement showing {$0.00} remaining. Im not asking for this closed account to be removed or any late payment history expunged. I should be held accountable and it should reflect on my credit report. However, the remaining balance should be updated to {$0.00} because I did pay and have provided proof, which I happily attached

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 2021-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My bank ( XXXX  ) mailed a check to XXXX XXXX XXXX deposited the check into his account. XXXX XXXX bank chase bank held the check. When XXXX XXXX checked on the status of the held check Chase Bank in XXXX California instructed XXXX XXXX to have the payer and payee of the check in question present physically In the XXXX branch to verify the payer of the check.I and XXXX XXXX presented as instructed and were informed XXXX acct had been closed and Chase bank mailed a check in the amount of the original check to his address.After 7 days of not receiving the check XXXX went back to XXXX Chase bank ( XX/XX/21 ) where he was informed he was not told Chase mailed a check and he was mandated again, the payer and payee of the check in question need to physically present in branch for undisclosed reasons.XXXX has not received his money.This series of events has taken place over a 30 day time span.My bank states the check in question was cashed by Chase bank within 7 days of XXXX depositing it in his acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FLXXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FLXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$50.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for XXXX credit card with Capital One and was met with an instant alternative approval situation. I have excellent credit with a high XXXX and XXXX above XXXX along with a current account that has been paid on time, all the time. And yet during the application process for the XXXX, Capital One decided to pull a bait and switch by declining the card I applied for with the new sign-up bonus ( {$200.00} on {$500.00} spend ) and instead offered the exact same XXXX card with the exact same terms minus the sign-up bonus. Not sure why exactly Capital One chooses to offer the exact same card minus the bonus but they should make the determination BEFORE doing hard pulls on all three credit bureaus for applicants. For customers that really want to do business with Capital One, this is a terrible way to obtain customers. If they let applicants know prior to completing the application that they are not eligible for the bonus, applicants can make the determination whether or not to proceed. But providing this choice to applicants after a hard pull of all 3 credit bureaus has been done seems intentional as they know most people will still accept the alternative offer given that the Capital One hard pull will remain on each of their credit reports with XXXX, XXXX, and XXXX for 2 years. CFPB please look into this terrible business practice by Capital One. Lenders such as XXXX XXXX provide a pop-up as part of a soft pull in the application process to alert applicants if theyre ineligible for sign-up bonuses. I believe these systems are in place to combat credit card churners but impact standard ( non-churn ) customers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a loyal customer of Bank of Americas for over 20 years. Yesterday, I went into the branch to cash a check and was told by a representative that funds would not be available until the next day. Later in the day, I deposited the check via the mobile app. Upon making the mobile deposit, a notice appeared on the screen saying that {$250.00} of the check would be available the next day and the remainder of the check would be available the day after that. It asked if I would like to proceed and I clicked yes. To my surprise, I checked my account the next day to learn that the check was now being held until XX/XX/XXXX. Roughly two weeks later. Similarly, I deposited two {$500.00} money orders within the last month and they both were held in excess of two weeks. I always thought that money orders were as good as cash. Its mind-boggeling how these checks and money orders are being held for excessively long periods of time on my accounts and this just became the case. In the past, I could walk in and cash checks or deposit for next day availability. I have in excess of {$6000.00} being direct deposited monthly. I do not feel like a valued customer and I do not know of any other bank falsely advertising holds on checks and changing the dates once the checks have been deposited. I am strongly considering ending my banking relationship with Bank of America. Debits have been denied due to these holds and its costing me fees due to these transactions being denied because Bank of Americas hold. With all the modern technology of todays society, I dont understand why it takes two to three weeks to clear a check besides cause undue hardship.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and trans union does not see the information is wrong and logically makes no sense, therefore does not delete it off 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is a result of identity thief and FRAUD ...... I have already filed a dispute with the 3 major credit bureaus, the following account WEST LAKE FIN ACCOUNT NOXXXX IS A FRAUD AND MUST BE DELETED IMMEDIATELY. Pursuant to 15 U.S.C. 1681 SCTION 602 A States I have the right to privacy .... Also it states under 1681 section 604 A section 2 : that a consumer reporting agency can not furnish an account without my written instruction...

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 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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