BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
These people are putting me through XXXX to access my account. I have given up on attempting to use thier website online, to manage my account, i wait to review all transactions on my paper statement when it arrives, and submit any disputes by mail, because i can not access their websites i enter my valid credentials and they impose XXXX, a third layer of security which asks to send me a text with a code which i have to enter to access my account. The phone number that I have on file ending XXXX, is no longer my number. The capital One Bank credit card will not update my new number and, as such, is wrongfully withholding access and discriminating against me and I take these tactics as undue hardship and burden unfairly disadvantaging me financially and emotionally I can not access my account and I believe that these unscrupulous financial institutions are intentionally and maliciously without my permission implementing this deffective technology to our detriment without any consideration towards the consequences of damages. The refusal to accept my new number, discrimination is wanton wilful and unlawful. You can call upon the phone number service provider to testify as to the fact that my name and identity is registered to my phone number because capital One Bank, upon implementing their defective multi-factor authorization without my permission, claims that my number is not valid or acceptable or compatible with their defective technology resulting and clean that they are have the right to deprive me of access they refuse to bypass their defective technology and this has been one of the most disrespectful and uncalled for offenses have ever had to deal with. 

I am a human being alive with blood that will identify my identity. 

I lost my card at the atm machine at the physical capital One location and they refuse to return it to me, I had to report it in person and request a replacement be sent right away however even in person they told me they needed to send me a text with a code for extra verification for security to validate my identity to complete the request. The same error of the effective technology kept on refusing my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # 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 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 2022-03-16
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Navy Federal account was hacked and my card was disconnected from my account. Then, funds in the amount of {$2900.00} were taken out of my account. I called when it happened ( XXXX XX/XX/2022 ) I was told I had to call back on Monday. I called Monday ( XXXX XX/XX/2022 ) and spoke with the fraud and security department. I was eventually set up with a new account. I was assured everything had been taken care of. 

Then, Navy Federal took {$2900.00} out of my account as soon as my VA check was deposited. This was the majority of my check that I use to live. I called the security department again and they told me the fraud would be investigated within 10 days before I could get my money back. I am permanently XXXX and have no other income. After the 10 business days, I was told it would now take 45 business days. 

It is now XX/XX/XXXX and no one has been able to give me any updates and I don't have money to pay my bills. Thank you Navy Federal for dragging this out, taking my only money, and possibly ruining my chance at staying in my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I was pressured by dealership to buy more cars due to the fact they ran my credit without my authorization 50+ times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response

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 2020-12-29
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern : On XX/XX/XXXX, I went on line on the Experian website to check my credit score. I did see that my FICO score dropped 13 points at once. So I went to the Review new Data to find out what did happen for such a drop down of my Score, I read : '' We found no New items on your report in the last 60 days, no new public records, late payments, accounts, or inquiries have been added to your Experian Credit Report ''. Further down They mentioned that my credit usage is 19 % which is very good, but my credit snapshot Boosted XXXX to XXXX with a drop of 13 points. I said that is a mistake, if the credit got boosted it should go up not down. On XX/XX/XXXX, I called Experian to report the problem, a customer care named XXXX ( Reference claim # XXXX ), said that what ever I saw on my report it is accurate and that they can not do anything about it. I believe that they have to do something about it. Because I know how hard that I have been working to rebuild my credit that has been messed up after I lost my job in 2017. Now that my credit gets to a FAIR statute, I am not going to let Experian bring it back to trash. They must give the reason why they decided to lower my score. If my credit gets boosted it definitely should go up not down. I do count on the Consumer Financial Protection Bureau to see through with my situation, how unfair my credit report has been treated by Experian Credit Bureau. Lastly the only thing that comes into my mind is that Experian has offered me a Credit Protection & Monitoring coverage for {$24.00}, I just took the {$4.00} coverage which they automatically charge my account every month, I don't want to believe that they would lower my Score to force me to take the most expensive coverage which I can not afford. Best Regards

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 2021-11-11
Company: AMERICAN EXPRESS COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in communication with my lender, LOANCARE regarding options to avoid foreclosure. I submitted documents to be review for loss mitigation. On Friday XX/XX/2018, I was informed that the lender had denied my application because they felt I could not afford my mortgage payment, I asked a representative if I can appeal the denial because I do in fact make more than enough to resume making my mortgage payments again. I was informed by the representative on behalf of LOANCARE that the letter was generated on Friday XX/XX/2018 and mailed to me and that due to that, the sale has been activated for tomorrow XX/XX/2018 and they intend to move forward with the sale without giving me the opportunity to appeal it. My application was denied on Friday, Monday was a holiday ( XXXX XXXX ) and today is now Tuesday, which has left me with one business day to figure out my options, how is this fair? My Homeowner Bill of Rights have been violated, I was refused the right to appeal well within the means of the denial and I was never assigned a designated point of contact with LOANCARE.

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 2019-07-01
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Used care was purchased in XX/XX/XXXX. In XX/XX/XXXX The car began to leak inside. It was immediately taken back to the dealership. The car was checked an the problem which was believed to cause leaking in the car was replaced. However, the car continued to leak. The car was taken back to the dealership approximately 4 to 5 times regarding the same problem. The car was taken back to the dealership again and was repaired. In XX/XX/XXXX, the car began to make loud noises, I contacted the dealership regarding the issues, but was told that I had to pay for any issues going forward so I had the break lines repaired and roaders which cost {$400.00} by a different mechanic. The problem continued up to XX/XX/XXXX when the car was taken to another mechanic who indicated that the breaks were damaged. The car was fixed again which cost approximately {$500.00}, however the car began to make the same noise, vibrate and other mechanical issues which caused me not to be able to drivXXXX. The dealership was contacted in XX/XX/XXXX to have it taken back due to problems and I was no longer able to afford to pay ongoing repairs as well as the maintenance and monthly payments.it became very costly to maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello Seems like some one else ( a female person ) has or is using my SSN

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 2018-03-30
Company: MEDALLION MORTGAGE COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I applied for the SAVE program via StudentAid.gov - per the application, my new loan payment was going to be $ XXXX for 10 years, then the balance forgiven ( I started paying back the loans in XXXX ). The application was submitted directly from StudentAid.gov to Aidvantage ( the servicer ) that same day, and I also printed a copy and physically mailed it to Aidvantage that same day ( as I've had issues with Aidvantage in the past, I was making sure they got a copy ). 

Over a month passes and they state they don't have anything from me regarding SAVE. So I uploaded, direct to their website, my application and supporting documents ( everything they were mailed physical copies of ). 2 weeks go by and they state they got my tax info but not the application ( and yet, when I look at the upload part, it shows the tax info AND the application were both uploaded ). I upload just the application again, and 2 weeks go by and now they say they don't have my income information ( the tax forms, which they claimed to be the only thing they had before ). 

They are showing I owe them {$340.00} as a monthly payment. I've reached out multiple times with no success. I don't have time to wait on the phone for hours, and per others in the same boat, you can call and get info from one rep there, and call back and another rep will give you vastly different into. At this point it seems they are wanting people to pay amounts much higher than they should, and they are going to claim they have no info on why they are wrong. ( a document I got XXXX weeks ago says that my $ XXXX balance - from an original $ XXXX loan that I paid 10 years on - will end up costing me $ XXXX when it is paid in full in XXXX ). 

Why are they trying to collect payments when their own system is completely wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, Toyota of XXXX did a hard inquiry on my credit report on XX/XX/2021. I was never present at this shop and did not give any consent for this. I was never even looking for a car! I have called them numerous times to try and have them explain themselves and handle it, however they always tell me some manager is going to call me back. I want this hard inquiry OFF of my credit history. I had no co tact with Toyota at any point about the interest of a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted Synchrony home 2 months prior to have the 25 % intrest rate reduced. my balance continues to increase and on an online chat I was advised it could be up to 39 percent. I checked my statement and saw it was 29 percent. im never able to get the same answer either through calling, chat, and my balance never seems to decrease.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT ED/XXXX XXXX Balance Owed : {$4200.00} DPT ED/XXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT ED/XXXX XXXX Balance Owed : {$1700.00}

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 2023-10-04
Company: Westlake Services, LLC
State: VA
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 have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with WESTLAKE PORTFOLIO MGMT, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXXXXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
This isn't my personal loan and shouldn't be reporting on my file. This is a business loan remove from personal credit file. This is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I traveled to XXXX XXXX in XXXXXXXX XXXX  on XXXX ( XXXX ) separate occasions ( dates listed below ). I paid for the reservation with a completely different bank card, but I utilized my PNC XXXX XXXX card for the {$50.00} resort incidental charge for all XXXX ( XXXX ) separate occasions. Upon checking out each of the XXXX ( XXXX ) separate occasions, XXXX XXXX in XXXX, XXXX  released the {$50.00} incidental immediately, however the funds HAVE NEVER been returned by PNC XXXX XXXX and in fact, have recently found out that PNC XXXX XXXX added an additional 15 % charge to each of the {$50.00} incidental charges totaling each separate XXXX ( XXXX ) occasions to {$57.00}. Upon calling PNC XXXX XXXX customer service several times, I have been repeatedly told that the charges are not visible. I then call back to customer service and told that the charges are miraculously visible but in a pending state, and has that additional 15-20 % surcharge in addition to the incidental that PNC XXXX XXXX blames on the resort and or hotels. PNC XXXX XXXX has given me an expectation of XXXX hours ( XXXX  days ) for funds to be released, however its been well over the XXXX days and funds have not been returned. Ive called and called to rightfully have my money returned from PNC XXXX XXXX as they are stealing, scamming and fraudulent charging and holding customers funds. Please see XXXX XXXX dates below. 

Between XXXX XXXX XXXX Between XXXX XXXX XXXX  Between XXXX XXXX XXXX Between XXXX XXXXXXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX - - - - - - - - - - - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The same incident occurred between XXXX XXXX XXXX  XXXX XXXX XXXX, as I paid a {$50.00} incidental but PNC XXXX XXXX charging me an additional 15-20 % more than the incidental and then claiming the charges arent visible, then retracting that statement and stating that funds will be reversed in XXXX hours but never happening. 

I also have a pending transaction between XXXX XXXX XXXX with a completely separate XXXX XXXX where my total was {$130.00} for the room and with the {$50.00} incidental is {$180.00} out the door. However PNC XXXX XXXX billed me {$210.00} which is an additional {$25.00}. I am including the pending transaction as well to ensure I receive that incidental and the extra percentage PNC XXXX XXXX charges back immediately as well. 

This is corporate theft, fraud and scamming from PNC XXXX XXXX and all my money needs to be returned immediately and Im certain Im not the only person they do this to, but I refuse to be bullied, stolen from, scammed and defrauded and I will continue to file complaints and on the verge of a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation