BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car from XXXX XXXX XXXX XXXX the finance manager told me I had to have extended warranty to get loan ... .when Capital One Auto Finance called to verify loan info .. they made me aware that I didnt need extended warranty to get loan ... I informed Capital one representative that I didnt want the extended warranty and that the dealership told me I had to have it to get the financing approved. The representative from capital one said I needed to contact the car dealership which I did ..they said they would cancel the extended warranty and that they wouldnt redo paperwork it would just shorten the loan period. I called back Capital one and wxplained to them what finance manager had told me ... Capital one rep didnt act like it was anything to be alerted about ... I was unaware of the this credit of ext warranty not happening in a timely manner .. I feel like capital one knew I didnt want extended warranty at all and they should of contacted the dealership as soon as I made them aware of the situation.. Im not in the loan business and I feel like they took advantage of my ignorance ( I didnt realize I would be paying interest on this amount for something that I told Capital One I never wanted and was deceived into thinking I needed to have for the loan ) capital one told me its not their problem and that I would need to take up with dealer if I wanted the interest and fees rebated .. I feel like the dealership and Capital one are clearly guilty of deceptive practices. The warranty is still not credited to my auto loan. I purchased the car XX/XX/XXXX had to follow up with XXXX XXXX XXXX mult times asked him on XX/XX/XXXX how he sent cancellation form ( email, fax or easy care website because they never received it ) .. finally had confirmation from extended warranty they received on XX/XX/XXXX they explained could take as long approx XX/XX/XXXX for dealership to have check for extended warranty and then would send it to capital one .. all the while Im being charged on that amount for something I never wanted and not even guaranteed a time frame of being credited.. I believe both XXXX XXXX XXXX and Capital One Auto are guilty of unfair, deceptive, predatory lending practices. Please see attached part of email from finance manager asking me to cancel dispute with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My name is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have been with American Express for a very long time. I unacceptable that this only company that harassed and stock clients to the fullest. I have a business credit line and business credit card with then. I have never used more than my credit limit. Never had a late payment. They are making money with me on a monthly basis with interest rate that are at the historical highest. All of the sudden if own XXXX out of my XXXX limit and they are forcing, dictating, and obligation me to pay a certain amount of money to keep my credit limit at its original amount of XXXX. This unacceptable. In the line of business they already doing it every month after I made each payment. They laugh at every hard worker XXXX. Harassing and trying to abuse of everyone when in reality they should be thankful of small business owner like myself that are working hard during these difficult times. I hope that this complaint is read, reviewed and analyzed by a bigger institution and someone has the human decency of going above and beyond to fight against this kind of behavior by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In researching XXXX 's notifications of late payments, I have made numerous complaints regarding Fingerhuts charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these 2 payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, Opened a credit card with Capital One a few months ago. I charged and made payments earlier then the due date. Most paid in full. They just closed my account and reported so my credit score went down. Called them 5 times and will not give me a reason why the account was closed. Only that it is in the terms that we can close any account for any reason. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this medical collection from XXXX XXXX XXXX account number XXXX, which was not suppose to be showing on my credit report due to HIPAA privacy rules which I stated in my letters to the reporting agencies. Furthermore, the time frame for responding to my disputes has not been met, and I need this removed. 

In addition to that, I would like this account to be removed as well from CCS Collections account number XXXX due to HIPAA Privacy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

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 2023-02-24
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing a complaint against TD Bank for the following reasons : - TD Bank allowed " {$500.00} '' to be stolen from my account. 
- TD Bank lied to me about their investigation. Stated that they reached out to the parties involved " cash app '', however upon following up with the involved party " cash app '', they stated that they have no record of TD bank ever contacting them in regards to my account. Therefore, TD bank did not conduct a thorough investigation on my behalf. 
- I had to open a new account with TD bank to make sure my money was secure. However, when I opened my new account, TD Credit Card Services continued to attempt to bill the closed corrupted account. Despite numerous efforts by both myself and my TD bank associate TD Bank XXXXs Software continued to revert billing to the closed corrupted account. ultimately, posting a " late payment '' notice on my credit dropping my XXXX XXXX by XXXX points. 

I have spent over 50 hours in an effort to retrieve my stolen money, secure my account, and correct TD bank 's billing mistake to fix my credit. My information and TD Bank 's documents regarding this entire process have been mishandled and lost. This should be criminal and must be brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-07-31
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 recently tried to apply for a loan and was denied, because of debit listed on my credit report that doesn't belong to me. I lost copies of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible

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 2022-08-09
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 


XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 after 17 years with XXXX decided to look for cheaper cell phone service. Saw XXXX advertised person over XXXX got a discount and also got a discount for auto pay. After talking to a XXXX representative in person saying I would not get the discounts and it would cost more than XXXX  which I had for 17 years I decided to go to another phone carrier that was cheaper. My wife and I both decided to have our cell phone numbers ported over again after 24 hours. I made numerous attempted phone calls to XXXX to dispute the matter but they ignored my request. Also at the time my social security number was not given to XXXX. Now they have turned it over to collections and some how XXXX got my social security number. Since XX/XX/2022 XXXX is not advertising cell phone service for 1/2 of what they were XX/XX/2022. The information they gave me at the time was very misleading and their cell service also not working very well in my house. I do not have other means of telephone communication and need a cell phone to work inside my house. I have also received letter from collection debt collector that I have an attorney which is false and misleading. I request assistance in this matter. Thanks!

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 2023-01-17
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest Recovery is trying to collect on XXXX debit that is due to identity theft. They claim I opened an account on XX/XX/2020 and have collections for {$5000.00} they have not provided me with anything when I called and told them I am a victim of identity theft. They have shown gross negligence when handling the issue. They have not provided me with anything. 

The information needs to be more accurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin, or another history. I received nothing via mail, nothing from an attorney, or any other mailed document regarding this item. I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act specifically to information illegally listed without documentation. I have disputed the information on those grounds. I am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX, I read an article which indicated that the student loan servicing company, Navient, cancelled {$1.00} XXXX in private loan student debt in 36 states including DC. Either knowingly or unknowingly, the Texas Attorney General did not enter into the litigation which unfortunately leaves me and I'm sure many other Texans excluded from what could've resulted student loan debt cancellation. 

These are the details of my loan : Loan Type PRIVATE Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$12000.00} Unpaid Principal {$13000.00} Unpaid Interest {$58.00} Current Balance {$13000.00} Interest Rate 10.000 % Interest rates on private loans are set by the lender. 
Interest Type Variable Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX As the co-signer, I have been paying on this loan for over 10 years and as you can see the balance is well of the original loan amount. This is predatory and I do not understand why it takes the Attorney Generals in each state to resolve something that should be resolved by the government for all the states. 

I am disheartened by what has happened and do hope there is something CFBP can do on behalf of people who reside in states that were not represented in the litigation. 

Below is the link to the article regarding the settled litigation with Navient : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017 I used my credit for a temporary deposit on a rental car for XXXX for the amount of {$340.00} and in XX/XX/2017 as well a charge of {$84.00} a total of {$430.00} and the vehicle was returned on XX/XX/2017 and I the i was told my deposit was going to be back in account in 7 days I filled a complaint and a dispute couple of times and I did fax Bank of America the proff that XXXX released the full amount back to my account and Bank of America does not refund back my funds to my credit card so I have been back and forth with Bank of America since XX/XX/2017 and till this date not have a resolution to my money. I have all the case numbers dates names and all of XXXX emails and proff of the credit release and it has all been sent my Bank of America so I desperately please need help on getting back my credit that I XXXX intitiled 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 2018-11-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to exercise my equity on my student loans by requesting my original instrument of indebtedness from Navient. I sent written requests for my two separate loans on XX/XX/2018 and it was received by them on XX/XX/2018. I did not receive any correspondence from Navient. I then made a SECOND written request on XX/XX/2018 which was received on XX/XX/2018. I did not receive any written response from them. 

I have provided for them my current address and contact information in writing and I have changed my information online in their database as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX 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 non-monetary relief