BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a letter in the mail saying my address had been changed. I have never contacted CapitalOne to change my address. The new address listed is not correct. I have had the same address since I became an XXXX XXXX customer *18* years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Currently do not have an account with Capitol One they did a hard inquiry on my credit and I did not authorize them on this date XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: Social Finance, Inc.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am a student, it would make sense to defer my payment while I am in school. The only so-called deferment offered to me involves " interest only payments '' based on the interest bills provided monthly. Payments received during the deferment period will be applied to accrued and outstanding interest and then to my principal balance. I used to pay around 700 $ monthly before deferment. In my first three month of deferment from XX/XX/XXXX to XX/XX/XXXX, I have paid roughly 550 , 500 , 730 , and 420 $ respectively on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX! THEY CALL THIS A DEFERMENT? This is a total rip-off! I need to resubmit all the paperwork every three months because there are no options to submit my documents for an entire academic year and I lost the chance to do so in XXXX because the school was closed from XXXX  XXXX. I submitted a second application in XXXX  XXXX which was approved on XX/XX/XXXX. Being more cautious and proactive, I made a call asking if I am gon na need to make an interest payment by the XXXX XXXX XXXX informing them that my account shows " zero '' due amount. I was told they are calculating my interest amount and that most likely I would not need to make a payment and if I do they will notify me within a reasonable amount of time in advance ... and I get a message on XX/XX/XXXX that I need to make a XXXX $ payment on XX/XX/XXXX. They do not even have the decency to notify you in time. This is the best example of a terrible customer service. I am spending more time worrying and handling my student loan that focusing on studying. Had I known they are so defective, I would have never signed up for their services. I will look into changing servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Carvana Group, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Have purchased a vehicle with Carvana LLC and paid using a corporate account of mine, having gone through the online service and verified all information including payment when entered online, after it's verified and signed by me and an authorized agent from Carvana approves of all documentation and payment process. I get a copy of what's called a purchase agreement from Carvana LLC sent to myself only after everything is verified. Got verified but Carvana LLC seems to not want to release me my vehicle I purchased nor delivered it to my home. But want for me to make another payment. All my payments were paid off. After doing my own research come to find out Carvanas creaters have been charged for fraud conviction and seems to me are still commiting fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
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:
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. 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 2021-03-25
Company: AMERISAVE MORTGAGE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
PLEASE SEE THE ATTACHED LETTER UNAUTHORIZED, UNAPPROVED, EXCESSIVE HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : XX/XX/2020 XX/XX/2020 2020

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
1st Franklin Financial - XXXX XXXX, GA ( 3 ) 1st Franklin Financial - XXXX, GA ( 2 ) 1st Franklin Financial - XXXX, GA ( 1 ) My approved loan was transferred to this location on XXXX. It was done by XXXX XXXX, Regional, after I had problems with the XXXX, GA office location. 

I have been in constant contact with XXXX XXXX. I had to submit my documents only. It was approved. 

XXXX XXXX contacted me on XXXX20 later in the day and said that the loan was not approved. Same company I was discriminated against and given incorrect information. XXXX XXXX tried to change her involvement after I was denied at the XXXX XXXX, GA location. 

This is my complaint. 

This company has denied my approval. I was approved in XXXX, GA. 

This company is SHADY. Seek legal advice and know your rights.

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 2018-04-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX THE AMOUNT OF {$1600.00} DOCUMENTS WERE SENT THREATENING TO HAVE XXXX XXXX ATTORNEY CONTACT ME TO SUE ME. I RESPONDED Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: AL
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:
I have sent in my credit report showing that XXXX XXXX XXXX XXXX was the playof The Bankruptcy on my file equifay told me that they are a wary of the mixed file but never removed this info they deleted his name XX/XX/XXXX and they just remove his address XX/XX/XXXX still kept his file on they say they verified through XXXX which is a lie I have XXXX report and it have proof that they dont have Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a new XXXX Hyundai XXXX from the XXXX dealership in XX/XX/XXXX, and I always make payment to Hyundai Finance since then. I always pay on time, my expected bill was {$590.00}, but I always pay {$600.00} so that I can finish paying up before 5 years loan that I was given. 

I made a payment of {$600.00} in XX/XX/XXXX for my XX/XX/XXXX payment and my account was not correctly balanced, I called their customer service representative about the mistake. Within two days the mistake was corrected. Again, on XX/XX/XXXX I made a payment of {$600.00} ( Interest was {$48.00}, Principal was {$550.00} ). From a previous balance which was {$22000.00} after the payment made on XX/XX/XXXX, {$550.00} suppose to be taken out of {$22000.00}. Therefore, my balance in XXXX suppose to be {$22000.00} minus {$550.00} equals {$21000.00}. Instead, the company refused to balance my account, they just wrote XXXX on the balance. I called this company from XXXX through XXXX, I spoke with their 5 representatives and a Supervisor, all to no avail. I decided to write a letter to their office in California, they ignored my letter. 
Thereafter, I decided to refinance, Hyundai Finance charged me interest on their wrong calculations, decided not to refund my {$550.00}, and later sent a check of {$3.00} as overage. 
I am filing this complaint to request for my {$550.00} plus the interest I was charged wrongly.

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 2018-02-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I enrolled in school in 2009 and at that time, my student loans were through XXXX XXXX. The semester prior to my last, I got married. During my last semester, my XXXX XXXX loans became Navient loans. My school hyphenated my last name to keep my maiden name and add my last name. After graduating, my student loans had been coming in my maiden name. Fast forward 2 years and my husband had his student loans consolidated and enrolled in a repayment program through a 3rd party. I wanted to do the same so that company reached out to Navient to begin the process. They ran into an issue with my last name. I had to take over the process and contacted Navient. I was forthcoming with the reason I needed to change my last name. They told me the information they needed and directed me to my online account. No matter what I did, I could not get signed into my account. On 3 different occasions, I spoke with Navient customer service representatives that told me they were mailing me the information I needed to fill out and return with a copy of my marriage license. My address was confirmed each time and each time I received nothing. The last time I spoke with them, I told them I was mailing them a copy of my marriage license and if my information wasnt updated, theyd get no more of my money. My information was not updated, in fact, I still receive daily phone calls for my maiden name telling me they need me to call back to discuss my account. I keep seeing and hearing horror stories about this company and I need to speak up as well as everyone else so this company is stopped! Due to the on going issue, the last I knew, they are claiming Im owe almost twice of what my original loans totaled. They wont be seeing one penny of that from me due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To Whom it may concern.
I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XX/XX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to Equifax on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XX/XX/XXXX) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXXXXXX XXXX tracking : XXXX, Equifax:XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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: Account information incorrect

Complaint:
To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX  XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & TransUnion on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( TransUnion tracking : XXXX, XXXX tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on 2 XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

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 2019-01-29
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a pay day loan and dispute over a matter of XXXX from XX/XX/XXXX. There is a company called National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX phone XXXX that call me multiple times a day demanding I pay them {$1600.00} they have on at least 4 occasions called my place of employment and gone through a switch board operator and left messages for me most recently on XX/XX/XXXX I have on 3 occasions contacted them and asked to please not call my work but they continue to do so. Approx 1 week ago I finally received some documentation on the original loan however the amount they are demanding exceeds the amount I borrowed.I did receive a notice several years ago where either this company or another attempted to file a small claim in XXXX XXXX Municipal Court which is in a county I do not live and the case was dismissed in that court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an cryptocurrency account with XXXX on the XX/XX/2021 my account got frozen for no reason mentioned to me with {$44000.00} USD stuck in, I reached out to Gemini support to resolve the issue, my support ticket number # XXXX it took them two weeks to get in touch with me. On XXXX XXXX I got this response below from one of XXXX support : Hi, Thank you for reaching out. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with XXXX. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ Shuttle ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini Dropzone : After doing what I was asked to do, it's been more than 6 weeks and I'm yet to get a response from Gemini and its support team. My account is frozen and my cash stuck in without any access to it. I want my account back. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX  again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX  XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me 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