BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/2018, After calling i asked about refinancing my vehicle i was directed yo the Capital One Auto Finance website. I get pre approved with XXXX credit score and acceptable loan terms a soft inquiry was used. I continue the online application process same terms and a hard inquiry is stated and agreed singe the loan terms were acceptable. Upon completing my esignature i realized i omitted my apartment number and immediately called the number on the website to correct my address. The rep asks if my loan company is open and as i search for the number i mention my lease. To which the rep states they don't do anything with a lease. I state your website doesn't say that! I just was approve and now a hard inquiry ous on my credit report. If you are not paying off my lease then that needs to get removed. Your website doesn't clearly state this or warn customers you dont finance lease purchase. She stated she couldn't remove the inquiry. I asked for ca supervisor. I was transferred to a gentleman by the name of XXXX at XXXX XXXX. He proceeded to tell me about lease financing, which i interrupted him stating I've financed and leased 4 or 5 cars and fully understand leasing. Your website allowed me to complete and esign the loan and neither before during or signing does it say leases are not b able to be financed. He said yes it does in the FAQs. I replied. I've financed several vehicles. I know my credit is solid i was instantly approved, signed docs only to call back to correct my address then find dont finance lease purchase. I demanded someone anyone to fix this and remove the inquiry. He proceeded to direct me to the office ood the president or to go through the dispute process and they would look at it. I completely disagreed with this staying this isn't fair and isn't right. The website is not clear and upfront this and the inquires need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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've reached out to Experian by certified mail and here in the CFPB several times regarding my credit report. Each time I have sent a letter or complaint Experian responds that they can't locate my credit profile. This is unacceptable. I've included My drivers license. A current Utility bill, the last XXXX of my social and the necessary information required by the FCRA, and the FTC. However Experian is saying they either can't find me or can't verify me or I don't have a credit profile. It seems that Experian is trying to deviate from having to do a complete investigation which is a shame. The FCRA allows companies 30 days to investigate a dispute the CFPB gives companies a max of 60 days to respond and Experian is closing out my disputes and complaints so they can buy time or escape from doing their job this is unacceptable. I will be including the same information again attached with this complaint as well as PDF files of my former complaints and ask that Experian stop using stall tactics. It is very unprofessional and I am determined to use my right to have a credit report that is 100 % accurate and dispute any and all information that is inaccurate.

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 2023-01-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I deposited a payroll check through my online banking app, The picture ended up being warped so they restricted my bank account until they could verify my check, They werent able to verify my check so they could release the funds. Ive tried over and over to get my check verified even working with my employer But they said theres nothing they can do so they took my money and said The check could bounce in about 3 months or not. My employer couldnt issue me a new check due to the bank already depositing it into my restricted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission USAA Federal Savings Bank by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of USAA Federal Savings Bank aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX without my consent. The USAA Federal Savings Bank did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted USAA Federal Savings Bank and asked them why they would place my name on a new loan without my consent or signature. The USAA Federal Savings Bank representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. USAA Federal Savings Bank stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the USAA Federal Savings Bank aloud XXXX XXXX XXXX to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified USAA Federal Savings Bank and closed out all my accounts dealing with them. For the last year, USAA Federal Savings Bank has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX that was turned in due to XXXX XXXX XXXX 's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX was wrecked. Could someone look into this and find out is this legal because I feel like I am being held hostage by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and USAA Federal Savings Bank to be liable for these loans. I do believe USAA Federal Savings Bank owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint against Capital One regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ). The timeline of events is as follows : - On XX/XX/2023, I submitted my original dispute letter to Capital One. The dispute pertained to eleven late payments associated with a closed account. In my letter, I requested that Capital One remove these late payments unless proven to be accurate. 

- On XX/XX/2023, Capital One responded, asking for necessary information to properly investigate my dispute. I promptly provided the required information the following week. 

- The last correspondence I received from Capital One, dated XX/XX/2023, stated, " The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. '' Notably, there was no written confirmation or explicit acknowledgment that Capital One had thoroughly investigated the late payments or verified the accuracy of the information. 
It's crucial to emphasize that my original dispute was not framed as a courtesy request but as a formal dispute under the FCRA. Capital One 's response appears to assume a courtesy basis, overlooking the legal obligation under U.S. Code 1681s-2 to conduct a reasonable investigation in response to a dispute and provide accurate information.

Moreover, the necessity of reaching out to Capital One multiple times to reiterate my requests is not only inconvenient but also extends the resolution timeline, causing undue stress and potential harm to my credit. This prolonged process raises concerns about the efficiency and fairness of Capital Ones dispute resolution procedures.

I believe there may be violations of U.S. Code and the FCRA in Capital Ones handling of this dispute, particularly regarding the lack of written confirmation, the assumption about the nature of my dispute, and the extended inconvenience caused by the need for repeated communication.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with U.S. Code and the FCRA. Enclosed, please find copies of the relevant documents, including my original dispute, the response from Capital One, and any other supporting evidence.

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without written instructions under 15 USCS 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from XXXX XXXX XXXX. I have filed police reports on the accounts but company and reporting agency verify them as 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: AZ
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  Account # 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 states a consumer reporting agency can not furnish a account without my written instructions.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Approximately XXXX of XXXX I closed my Chase bank account. In XX/XX/XXXX my 401k provider mistakenly made a deposit of {$2100.00} into the now-closed account. The 401k has frozen my account until I can pay the funds back. 

I contacted Chase bank in XXXX of XXXX and Chase stated that the transfer had been reversed and the money returned to the 401k provider. 

After nearly a year of trying to co-ordinate appointments with the 401k provider and Chase bank together, in XX/XX/XXXX Chase stated that the funds had in fact not been returned to the 401k provider and had been sent to me as a check back in XXXX. I never received this check and on XX/XX/XXXX I had an appointment with either XXXX or XXXX at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, MI. 

The specialist assigned to the case in the 401ks behalf was XXXX from the XXXX XXXX XXXX XXXX : XXXX The purpose of this meeting on XX/XX/XXXX was to sign an affidavit stating I did not receive the check and to cancel the check and have a new one reissued. So, I show up to the appointment only to be told that the paper I need to sign requires a notary and that a notary was not currently on duty. 

Because I have a life and responsibilities of my own, I was unable to return to the branch until XX/XX/XXXX. On XX/XX/XXXX I returned to Chase and spoke with XXXX XXXX. XXXX was very helpful, we got the paperwork signed and notarized and Billings followed up with my by phone later that day and told me that the Chase back office stated the check would be re-issued in 10-14 days. It has now been nearly a month and no sign of the check, and a year since Chase initially claimed that the money had already been sent back to my 401k.

Cumulatively, I have spent roughly 20 hours of my own time getting this issue sorted out. At the end of the day this isnt my money or a problem created as a result of any action taken on my part. XXXX XXXX XXXX  401k program fat fingered a deposit to an account Chase failed to close when I called and closed the account. Everyone at the XXXX XXXX XXXX and everyone at Chase bank is getting paid to give me the runaround and fix their mistakes free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX is the company I am filing the complaint about. I was going to XXXX with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt XXXX. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. XXXX charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then XXXX made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX  and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a XXXX loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.

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 2023-11-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent a check for {$20.00} to Bread as payment on my loan. Bread has several different service contracts with various merchants, and the one governing my loan prohibits check payments which are legal tender under US banking law. Bread received my check, cashed my check, and refused to credit my account for the payment they accepted. I was not notified that they would not accept the check ; I only received demands for payment. Upon contacting Bread, I was advised that they did not accept checks, that they had cashed my check and that they had issued me a refund check which had been mailed to me on XX/XX/XXXX. To this date, I have not received this refund check and Bread has refused to provide me any documentation of its existence. Bread also refuses to credit my account for the check that they cashed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: AL
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 seventh 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, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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