BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My XX/XX/XXXXXXXX  XXXX was fraudulently repossessed during the middle of the night by Capital One Auto Finance. There was a settlement for this vehicle in XX/XX/XXXX. The initial Settlement letter offer was dated XX/XX/XXXX and had a suspense of XX/XX/XXXX. The settlement amount was for {$1700.00}. In acceptance of the settlement offer, I had a cashier check made through XXXX XXXX XXXX XXXX   on XX/XX/XXXX for {$1700.00}. The Settlement check and confirmation response letter was sent on XX/XX/XXXX by certified return receipt mail via USPS. Capital One received and signed for the letter on XX/XX/XXXX. The letter referenced the account # and the VIN # for the vehicle. The letter also stated : " I received your account settlement offer, dated XX/XX/XXXX, and agree to pay the settlement amount of {$1700.00}. Upon your acceptance of my enclosed payment, XXXX Cashier 's Check ( gave check # ) in the amount of {$1700.00}, Capital One Auto Finance will consider the above referenced account as Settled in full and no further payments will be required as a result of this settlement. Upon settlement of this account, within 30 days of receipt, Capital One Auto finance will report to all credit bureaus that this account is settled in full and has a {$0.00} balance due/owed for : ( Names were Provided ) and the Vehicle Title will be mailed to me along with confirmation of receipt of payment and settlement. Additionally, No further collection activity will be taken by Capital One Auto Finance, nor will Capital One Auto Finance pursue any further collection activity via third-party collection agencies. '' After they received the payment, they updated the information on both my and my daughters credit reports to reflect " Dispute Resolved ; Reported by Grantor ''. Capital One states the escalation department will take 2-3 business days to investigate the issue. This is causing a loss of employment wages which they should be responsible to pay due to this violation of my rights with said vehicle in addition to the cost for the day care for my granddaughter which is still charged in her absence. The vehicle is currently located at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I was told I had to make an appointment to go retrieve the personal belongings in the vehicle until the issue is resolved. This includes my granddaughters only car seat. Capital One needs to update their records as settled and also send me the title to the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I needed an address removed from my credit report, and Experian said I could do it only by having a membership for credit watch, paying {$1.00}, and canceling after. However, my username and password are no longer the same, and I can't even log into my credit profile, yet on XX/XX/XXXX, I was charged {$21.00}, less than a week. I phoned them and asked to speak to a customer service agent and was told that was an invalid request. Mind you, the address in XXXX, Arizona, which I phone to have removed less than a week ago, is still there since I can see it from my XXXX XXXX report. I will dispute the charge with my credit union, but these credit bureaus are a disgrace ; why should I have to pay for something to be removed when it was found on the black market from the XXXX breach? I attached the site where it tells me the sign-in is wrong; well, it worked just fine four days ago. If I call and ask for customer service provide someone to speak with. it's bull.

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 2022-05-18
Company: USA Credit Solutions, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/2022, I spoke with XXXX XXXX with XXXXXXXX XXXX XXXX XXXX She stated that they were a collection agency and that any information obtained will be used to collect debt. 
She asked For my information and stated that I owe a debt to Their client alteon health. 
I informed her that Ive never had any business with XXXX  XXXX  or XXXX XXXX  and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX XXXX  has stole my identity and sold it to XXXX XXXX  collection agency as the representative stated XXXX XXXX is their client. 

I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. 

According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt.

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-04
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:
Even when I file a complaint with CFPB they come back giving a horrible excuse as to why they couldn't do anything in regards to my disputes. Then telling me to send my disputes to their dispute department OF WHICH I HAVE DONE MANY TIMES ALREADY TO NO AVAIL WHICH IS THE WHOLE REASON I AM COMPLAINING EXPERIAN! I have disputed both of these accounts countless times, I have provided reasons as to why both of these accounts are inaccurate and illegally reporting and yet you keep trying to strong arm me like I am stupid or something. I have given you facts about both of these accounts, I have provided screenshots about both of these accounts as they appear on YOUR REPORT and yet you are still not abiding by the laws and removing them from my credit report! I have disputed two accounts on my Credit Report with Experian MANY TIMES as they are incorrectly and illegally reporting to my Reports. XXXX XXXX XXXX and XXXX XXXX have been reporting an account to the Bureaus as CO ( Charged Off ) every single month for the past 4 or more years. This is to my knowledge ILLEGAL to do as it is manipulating the Statute of Limitations and also the DOLA ( Date of Last Activity ). It is adversely affecting my Credit Scores and I have asked Experian many times to investigate these accounts and remove them immediately per my rights with the FCRA. Every time they have come back saying that the accounts have been investigated and updated and nothing was changed. I call Experian and still nothing has changed they do not remove the accounts even though it is clear that they are reporting incorrectly and illegally. I am demanding that these accounts be removed immediately which by law should have been done already upon my first dispute of these accounts. The documents added provides all of the necessary information you will need to find me in your system and resolve my issue! My name and address are all on my DL provided my social is provided in the attachments as well. The address on my DL is my current address where I have been for well over 2 years you will also find my DOB listed on there as well. There should be no reason that your response back this time says you couldn't handle my dispute because of lack of information provided. Stop stalling and just resolve my issues please! Follow the law and removes these two accounts from my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.

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 2019-07-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is with Wells Fargo. The foreclosure trustee is XXXX. I have attached the XXXX listing along with my notice of default.

I have a notice of default dated XX/XX/19. I am in mediation and currently in a trial payment plan for a modification. I have no foreclosure sale date assigned to my property. I have not received a notice of trustee sale assigning a date. I am told a Notice of Default is not a publicly recorded record.

Why is it allowed for someone to plaster the internet to say that my house is going to be sold at auction? This is wrong. I am being hounded by phone calls and mail. People coming to my door. One man came twice even though I told him that there is no sale date and I am in a modification along with mediation that freezes the foreclosure process to stop a sale date from being assigned. I am even being texted. One man calls over and over and over again and will not stop.

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 2023-10-20
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a Auto Loan with US Auto, which was supposely transfer/bought out by Westlake Portfolio Management . I called Westlake Portfolio Mangement and ask for a copy of my contract because the lenght of the terms they have is not matching my orginal contract that I signed with US Auto- I was told that they can not locate my signed contract. I asked may I hold any payment until they send me a signed copy of my contract. They advised me that I can but my car will be put on the repossession list if I do not make a payment today. Other representative just put me on hold for hours until they send me back unto an pre-recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I became aware of a fraudulent transaction that happened on my account on XX/XX/2022 ( the day before ), in the amount of {$450.00} by a company called XXXX XXXX, XXXX ( hereafter XXXX XXXX ). After learning of this, I immediately filed a dispute for the transaction. I contacted XXXX XXXX to see why there was a charge to my account, and he explained to me the situation that had been happening to him recently, as his attached letter details. His merchant account was hacked and his information changed so that he could not log in or access his account any longer. I contacted Goldman Sach's/Apple Card Support to file the dispute and see what I needed to do, and I walked through all the steps involved ( i.e. changing my password, removing and re-adding the card to my phone, etc. ). But several days later, more charges. After contacting them again, and again following their advice, the next day another charge happened. This time, after contacting them, they turned Apple Pay off, and that finally stopped the fraud. Below are the fraudulent charge dates, merchant name, and amounts. The first three have been resolved in my favor, but the last three, Apple/Goldman Sach 's is claiming that I made these charges. As the two attached letters document, I did not. XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX ; {$300.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$4000.00}, case # : XXXX XX/XX/2022 : XXXX ; {$2000.00}, case # : XXXX XX/XX/2022 : Olutions ; {$5000.00}, case # : XXXX I filed this case once already but it was marked closed and I got a letter saying they suspected my filing was fraudulent? I don't know why. This is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Nelnet, Inc.
State: OH
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 third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. 

Account : US DEPT. OF EDUCATION/XXXX  # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
To whom it may concern : A letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to CHASE CARD/JPMCB CARD was XX/XX/XXXX submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. 

I received a timely response from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist stating : " We've updated your account information with XXXX, XXXX, XXXX, and XXXX  credit reporting agencies. '' I replied with a letter XXXX USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX  dated XX/XX/XXXX as proof that the company did not furnish the required disclosure. 

I received a letter from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist requesting more information in order to assist me. The information requested : Name Address Account Number Social Security Number Description of dispute Supporting documents Signature After furnishing the requested information via a letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) I received another letter from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist requesting the exact same information submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/2023, I opened a Chase credit card account through their partnership with United Airlines ( mileage plus program ). I did not get the physical card until XXXX because I travel a lot. I received an email on XX/XX/XXXX indicating that a payment was due and on XX/XX/2023 I called to make a payment on the card. Today I received a notification from XXXX stating that Chase closed my account. However, when I called to make the payment on XX/XX/2023, no one indicated to me that my account would be closed. So I called Chase bank this morning and they stated that they could not give me any further details as to why my account was closed even after I made a payment on XX/XX/XXXX and simply that they mailed a letter to me on XX/XX/2023. I feel this is very unfair to me as a consumer because when I made the payment on my account, not a single person indicated to me that my account was in jeopardy of closure. After I made the payment, I was under the impression that my account was in good standing. This will affect me deeply as a consumer because it is now listed on my credit report as closed and may affect my ability to qualify for loans down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX XXXXXXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : 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 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 2022-07-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my wallet was stolen from my purse in a grocery store. Shortly thereafter I received a text from Citi Bank questioning whether a {$2100.00} purchase at Macy 's was mine. I replied no and called the phone number supplied. I reported that the card was stolen and answered their questions. I also contacted the XXXX, NC police dept. and reported the theft. I received a case number. In early XXXX ( don't recall the exact date ) I got a call from Citi asking me to call them. I did so and further answered their questions. In the coming weeks, I got email telling me that the dispute was being looked into. Then I heard nothing. Our credit card payment ( this is a CitiBank XXXX XXXX ) was due on XX/XX/XXXX. When I went to view the statement I saw in the dispute center that Citi was declining to credit the XXXX back to the account. I immediately called and spoke with a woman named XXXX who took notes and told me I had to call the fraud department again on XX/XX/XXXX. I did that and spoke with XXXX. I told him the whole story again ( for the XXXX time ) and he said it would have to go back to the investigators. He told me the reason they declined to credit the account was that I did not supply information they wanted. But he had the record that I had called in early XXXX. I looked this morning and I see no information except that they are declining to pay. It is time for me to escalate this.

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
Consumer complaint received 2023-06-05
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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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