BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have an auto loan with  Capital One Auto Finance.  I n     XXXX   XXXX   2016 I ra n into a financial hardship. I normally pay my auto loan from   XXXX  of   XXXX    accounts connected to  Capital One 's  back office. However, both of these accounts were unable to cover my outstanding balance. My auto loan payment is approximately {$550.00} per month and I had an outstanding balance of {$100.00}. I To cover this balance and prevent my account from falling into delinquent status, I connected another account. However, during the process I inaccurately entered the account information causing the {$100.00} payment to be returned. After realizing this error, I submitted a payment of {$100.00} to correct the error. However,  Capital One  reported my account as 30 days late to the credit bureaus, which has adversely affected m y credit score.      I reached out to  Capital One via  phone and explained my situation to the representative who assured me they would look into my account.  Little did I  know they would only be submitted a dispute to the bureaus, which prompted an inquiry by Capital One and confirmation of the delinquency on my record. This is not what I was trying to initiate, as I understand that it was user error on my part that caused the issue.     I wanted  Capital One to r emove the delinquency in  Good Faith  as I corrected the issue and have never been late on my payment with them before. In addition, I have a previously paid off loan with  Cap One. So  after not receiving any assistance I reached out to the   Executive Office via email.
A representative with the executive office called me and assured they would look into the situation and call me back within 48 hour  s with a resolution. They did not ... I had to call again and a rep informed me that they would not be able to assist and that  Capital One DID NOT issue Good Faith corrections. This is false, as there are many examples of Capital One  working with their customers who have run into hardships. So I do n't understand why they would take a hard line with someone who uses both their auto and credit card services faithfully.     After receiving the turndown via phone, I reached out by mail to express my displeasure with their service and received a form letter stating that they would no longer be able to assist me in the process. Thi s one mistake on my part has lowered my credit score by over   XXXX   points. I am highly  disappointed as longterm customer and would appreciate a bit of commonsense and fairness with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report via my Experian account on XX/XX/XXXX. I noticed a single derogatory Collection account from XXXX XXXX. I filed a dispute with Experian via their online dispute center and after 2 days they have " validated '' the account. I've never opened an account with this company or the debt they represent. I was not given any written proof of their findings as required by law. The account alleges to have been opened on XX/XX/XXXX yet I have no credit inquiries on or around that date. No inquiries in the month of XX/XX/XXXX at all.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my XXXX XXXX decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via TransUnion and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem TransUnion adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by TransUnion to complete investigation without changes to my credit score.

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 2023-03-22
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2023-05-01
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have been reaching out to TransUnion about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Frontline Asset Strategies, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Since XXXX not Frontline Asset Strategies were able to provide a copy as well as Frontline Asset Strategies reference # XXXX on XX/XX/2022. I have missed over 600 business calls and uncountable dropped calls in 1 year and I paid {$5000.00} in wrapping my vehicle with my XXXX number and we have tested this theory on the land line of the actual company XXXX  number and its not coming from their side. My average client is {$850.00} and that multiplied by XXXX is XXXX XXXX. Since they also use my name fraudulently to falsify an account and has drag this situation out, I would like to be paid immediately. They offered me a measly {$2000.00} which already says that they acknowledged theyre wrong doing but that is in no way comparison to how much money I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a time share with XXXX XXXX in XXXX. I am suppose to receive receive invoices every XXXX years. 
I received an email notice from Monterey Financial that XXXX had turned the maintenance fee plus late fees over to them for collections. 

I did not receive any invoices. On XX/XX/XXXX, I called XXXX at XXXX. I was told that 3 invoices were sent to my old address XXXX XXXX XXXX XXXX XXXX- I have not lived there for XXXX years. I was told that my new address in XXXX was there but it was as a secondary address. Interesting as my XXXX invoice was sent to my XXXX XXXX XXXX, I was told by XXXX at XXXX that there was nothing they could do to help me- even though XXXX said the wrong address was used. He told me to contact XXXX XXXX. 
I then spoke with XXXX at XXXX. She said there is nothing she can do to help me. She referred me back to XXXX. 
I called XXXX again and got XXXX again. I asked to speak with a manager. XXXX said there is no manager to speak with at his location. I asked to speak with his boss. He told me he could not transfer me to his supervisor. I said everyone has someone above them.. I said I wanted to be transferred to whoever was above him. He then transferred me back to Monterey Financial. 

The issue is the late fee. I wil pay the maintenance fee as owed, but feel I do not owe the late fee for an error made by XXXX  by not sending the invoices to my correct address. XXXX says I must pay in full in order to have no reporting. 
No one at either firm has told me I have he right to file a complaint with CFPB. 
XXXX does have my correct address, my correct email and my correct phone number but failed on all side to communicate with me prior to sending this item to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/19, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX- XXXX XX/XX/19, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on 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 2023-09-06
Company: Experian Information Solutions Inc.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Servicing was handling the mortgage on my home in XXXX, Alabama. I just recently sold the house, because a son of mine with XXXX XXXX XXXX could no longer stay in XXXX. As a matter of fact, some years earlier, he nearly died in the hospital there for lack of proper treatment, and was sent by plane to a hospital in XXXX Alabama. 
I sold the house and moved to XXXX XXXX, La. SpS has yet to pay me the relocation fund, and do not seem willing to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ALLY FINANCIAL INC.
State: NJ
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:
On this account ALLY FINANCIAL XXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.

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 2022-03-17
Company: Affirm Holdings, Inc
State: CO
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:
Affirm, is billing me for furniture I ordered and cancelled with XXXX hours ( this was an online transaction ) and the reason for the cancelation was the items I wanted to purchase was a bedroom set and a few other things, The bed did not come with a mattress so I decided to cancel the because for the price of the bed I think the XXXX should be part of the purchased. I paid a deposit of XXXX dollars and cancel the order the next day and affirm refunded my credit card but, they did not cancel the order and told me I had to take the items. I have not received any furniture from this company. 
XXXX of XXXX, I hired an attorney to have Affirm removed this negative item form my credit, No one at affirm will returned the XXXX call or responded to the emails. Below is my Attorney information I do not think I should have to pay for items when I cancel it and I should not force to accept items as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone No. : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Federal Tax ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
About two weeks before the end of XXXX of this year I went to Allied Cash Advance for a loan of {$250.00}. I did the necessary paperwork and received the {$250.00} On XX/XX/XXXX I went to payoff this loan and was charged a total of {$430.00} for this XXXX loan. I believe this was excessive for a loan of less than two weeks in length. Later that evening of XX/XX/XXXX I went on line to make an inquiry with Allied Cash Advance about this high processing fee. To date I never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I canceled my XXXX Account for XXXX XXXX XXXX under my name XXXX XXXX, they asked for me to return the equipment. I had a delay in returning the equipment due to moving. I was given reminders via email to return the equipment. The amount that they are trying to claim I owe ( around {$100.00} ) is for a cable equipment box that I returned. I have the receipt from XXXX with the confirmation that they received it, along with the serial + model number listed in the confirmation email. The email is addressed directly to myself from XXXX/ XXXX and I have tried to dispute this with the debt collector by providing a screenshot proof of what I have explained above and I have received no response from them. The debt collection still remains on my credit reports and I want this removed. This is not the first time that I have had this collection placed, it was placed once before many months ago and I called XXXX directly and they confirmed receipt of the equipment and said they would notify the collector to remove the collection. This obviously never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax ( Gon na add on the next update )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Chase bank to deposit {$1500.00} in cash into my checking account to pay my rent that was due ( I XXXX  and get paid in cash mostly ). I pulled up to an atm, inserted my card, selected deposit cash and starting putting small stacks of cash into the slot as I always done in the past. On the last pile i inserted it gave an error message and spit out a {$50.00} back but the rest was in the machine counting. When It was done the total only showed {$500.00} dollars ( I believe that was the number it displayed but I know it was not the {$1500.00} I put in the machine ) so I was shocked and instead of agreeing to deposit the incorrect amount I pushed cancel instead of ok. The machine proceeds to spit out cash back at me and I counted it immediately and {$600.00} of it was not there. I was dumbfounded and figured it was a glitch so I called chase right away while at the atm and was instructed to file a claim and to not worry my account will be credited. I went inside to deposit what I did get back and spoke with a bank employee who also reassured me. Its been 2 weeks and 2 claims denied later now and I still havent seen my money. Ive gone to the bank and called several times and it seems like they have no interest in validating what happened and.returning my {$600.00} please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA 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

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