BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
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:
In XX/XX/XXXX I received a recall letter from the XXXX manufacturer for my ( XXXX car ) this vehicle was financed through XXXX XXXX XXXX and I purchased from XXXX XXXX auto dealer ( XXXX, Ohio ) in XX/XX/XXXX. I called the number on the recall and was instructed to contact the local XXXX XXXX in my area which is XXXX XXXX XXXX. I did and was instructed to bring my vehicle in for remedy- and at that time would take about 2 weeks and the dealer would provide a loaner vehicle at the manufacturers cost. I took my vehicle in XX/XX/XXXX- it has been 1 year and they still have my vehicle- I have not seen my vehicle and I have made a whole year worth of payments without the vehicle I financed through XXXX XXXX. I have been in loaner vehicles every since. I found out there is a class action lawsuit pertaining to the recall with XXXX. I have made countless calls to my lender who does not care, and it is unacceptable. I made several complaints with the XXXX, FTC, NHTSA, and The Ohio Attorney Generals Office. I stopped my car payments as of XX/XX/XXXX and I notified my lender as to why. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a fraudulent account on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/2019 at approximately XXXX XXXX ( AZ time ). US Collections West contacted me in an attempt to collect on a debt. I am currently in an active Chapter XXXX Bankruptcy. When I told the representative that he said that he got notice that my case was dismissed on XX/XX/XXXX. That is absolutely false. He went on to ask me if I would like to resolve the debt before he submits a wage garnishment. I told him that he can not do that do to the bankruptcy an his company never submitted a POC in regards to the debt. This company was properly notified from the courts in regards to my case. This is the second time that this company has violated the law when is come to how the collect on debt.

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 2020-10-15
Company: OneMain Finance Corporation
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I think they unfairly trap me into a high interest rate on a loan that the charge over 80 % of my payments go to interest ... Ive ask fir lower interest rate but denied .... Im never going to pay off this {$33.00} k loan I been paying {$500.00} a month for over 10 years and its still over the $ XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: AC AutoPay LLC, Denver, CO Branch
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company sold my debt to another company who has hired a recovery agent who has called family members did not gave any info who he is was threatening with arresting me etc

Company response to consumer: Untimely response
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-08-06
Company: EQUIFAX, 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:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: COAST PROFESSIONAL INC
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Loans were handled through a loan forgiveness program and payments were being made to XXXX XXXX to finance the program. XXXX XXXX stopped using my debit card and switched to a check after over a year of payment. ( Debit card would simply reject  payment if funds were not available and they would re-run in a few days if this occurred. Checks cost {$30.00} at my bank and {$45.00} through them for every time one did not clear. ) this was set up on auto draft and sometimes would miss my pay date by 2 or 3 days. After I discovered this I relized they not only tried once but an average of 3 times before anybody ever contacted me about issues dates started to fluctuate and I was being charged up to XXXX by my bank and XXXX by the company for my {$45.00} payment that did not even apply to my student loans!! 

I finally told them I could not pay them anymore and tried to change my student loan provider only to be told I was not able to until the old one approved the change. I tried with XXXX XXXX several times to no avail. 

Now with in the last couple of month ( 2 ) I started receiving a weird phone call asking for me to verify my date of birth and last 4 of my social along with my address. I asked who was calling and all they would tell me was it was a personal business matter. Would not disclose any more than XXXX XXXX. I have never heard of this company before and did not feel comfortable giving that information with out more information from the company. They refused. Then begin calling my cell phone 3 to 4 times per day and calling my work at least 2 to 3 times per week ( Even after I informed them I Was not allowed to receive personal phone calls at work. 

I was told they would send something in the mail regarding what the call was about and nothing came until Monday ( XX/XX/XXXX ). a notice of garnishment of wages. stating that I would be able to dispute the notice. When I returned to work after lunch where I do Payroll.. There was an order to garnish my own wages from this company. 

When I XXXX in XX/XX/XXXX my loan totals were somewhere around 20,000. 3 years ago when I entered into an agreement to help with my loans they were around 45,000. today the notice on my desk at work says I own more than 67,000 I have tried making payments, I tried loan forgiveness program. Now Starting XX/XX/XXXX I will have to choose between feeding my kids or paying my electric bill because this company wants to take 15 % of my income. I barely make enough to keep food on the table as it is! My XXXX XXXX from a local University where literally everybody gets accepted is not worth XXXX It has not benefited me enough to deal with all of this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: MA
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

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 2021-08-14
Company: The Commercial Collection Corporation of New York, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Commercial Collection Corporation of New York notified me by mail XX/XX/XXXX, that I had an outstanding balance of {$37.00} for a XXXX XXXXXXXX  account. 

I do not have, nor have I ever had, a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

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 2020-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX He demanded a Power of Attorney be signed by me in private on a scratch paper or he would not proceed. 
I was not able to consult an attorney as he'd already had me sign with him as buyer, seller and broker. 
The POA was to appoint my XXXX  citizen XXXX XXXX XXXX to make all financial decisions as me. It wasn't witnessed or notarized. 

Escrow an independent agent processed escrow closing payout to all parties but had bank closed before checks were paid out in full. The bank never ask for my ID or signature? 

XXXX XXXX escrow agent also notary for grant deed original and representative for buyer XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Total $ XXXX may have been deceived after I left her office and pre2sented POA for his XXXX mom XXXX XXXX?? 

Year 2002 owned & upgrade for sale in 4 months. 

I payed pro-rated taxes with County taxes collector office. But the physical address printed on invoice was my name but XXXX XXXX home address of XXXX XXXX XXXX XXXX XXXX, CA XXXX which I never authorized or approved US Mail forwarding of this real estate transaction!!! 

The Wells Fargo home mortgage finance representative name XXXX XXXX is a personal family member XXXX partner to XXXX family of 25 yrs to date. Approval guaranteed but with the order to only use XXXX  notary/escrow officer. 

To date I never cashed checks from the small unknown bank? 

Escrow No Title No Recording No XXXX XXXX XXXX be doing all financial transactions for 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 explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: MN
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:
The following credit card account listed on my Equifax, XXXX  and XXXX XXXX credit report is lost/stolen : XXXX  XXXX XXXX Visa : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Billing dispute for services

Complaint:
One sent a Postal money order # XXXX for XXXX  and Satisfaction of Capital One Account Ending in # XXXX sent XX/XX/2019 via Certified Mail # XXXX. 
Capital One Bank sent the account to collections and kept the Money Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2017- On this date, I was going to go forward with paying my two credit cards down to a XXXX balance. I had just opened a new bank account and apparently had a couple numbers incorrect when paying the balances. I attempted to make the payment once and received and error that stated for me to try again. The error did not state what was wrong, so I resubmitted the payment. A few days after doing so, I noticed that both of my cards were frozen from use. I then called Capital One to find out what was going on and they stated that I had 2 returned payments and that it violated the terms of use. After the first return payment, I was not notified at all except to resubmit the payment. It wasnt until about a week later that I received a letter in the mail stating that my account had been closed due to a violation of the terms of use and that the company does not allow more than 1 returned payment. I attempted to explain the situation to a rep with Capital One on more than one occasion, but they did not offer any assistance with the matter and simply told me that I still owed the balance and the account will remain closed. If I wanted to apply for a new one, I could. However, I would not want to open a new account with a company that did not communicate the issue with me prior to closing my account for good. Therefore, I told the latest rep that I am no longer liable for the balances and would like them removed from my credit report. They refused and stated that the " Account Closed '' status did not bar me from being liable for the account. I do not agree. Ever since this situation began, my credit report now shows multiple missed/late payments and this is affecting my credit score very badly. There are far too many issues that i have with the way the situation was handled and addressed. If the situation had been handled in a decent manner, I would have corrected my error and paid my cards off in full and continued to use them. I have had the account for several years without a single missed payment, late payment, or any returned payments. This was not taken into consideration prior to closing the account. 

In addition, XXXX XXXX XXXXXXXX supposedly worked very hard to investigate my issue. After a couple weeks went by, I hadnt heard back. It wasnt until I called them and was told that my case was actually being closed that day and that nothing would change. Yet again, no reasoning given. I am so disappointed in this company and never plan on working with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: NC
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 know that I was not late on this account. I wonder why XXXX, Experian and XXXX report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

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 2020-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  is stating I filed for Bankruptcy in two different states. I want these bankruptcy 's removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Reference loan # XXXX with Shellpoint/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and XXXX XXXX XXXX  at XXXX XXXX XXXX  in XXXX, VA XXXX. Effective XX/XX/XXXX XXXX XXXX was granted his XXXX XXXX XXXX  rating which also relieved him of property taxes on the property noted above. We had to calculate our own new payment as XXXX XXXX refused to adjust our mortgage, did not send us a statement for the months of XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I had to call to get those statements but had paid the mortgage. They are saying we have to continue paying taxes through XX/XX/XXXX. They were notified via fax on XX/XX/XXXX with the letter from the tax assessor 's office of this relief and although they acknowledge having this letter insist that we pay the taxes. This is far above scandalis and we absolutely want this matter resolved as quickly as possible. It appears that they are trying to defraud us. We received a statement for XX/XX/XXXX in the amount of XXXX. The Commissioner of revenue has returned the taxes we've paid to XXXX and Shell point is yet to return that money to us in the amount of XXXX. On XX/XX/XXXX our escrow balance was XXXX. We received a check from the surplus in the amount of XXXX. and change and now our escrow balance is minus XXXX. Please assist us in getting this matter corrected. Their numbers are monkey business not facts. If you wish to contact us we may be reached at XXXX. Thank you for your assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX 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 2018-12-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
XX/XX/XXXX I had been informed not by letter, not by phone not in any formal process at all but I have been informed that my credit line was getting decreased almost {$7000.00} {$6900.00} by email. I immediately gave American Express a call I asked them why they did not let me know ahead of time and they stated that they would be sending me a letter. I believe they should have informed me they were going to lower my credit limit prior to actually doing so. I am doing this complaint because I believe some of the actions and things that American Express are doing are illegal. When I spoke with the representative she informed me that if I pay {$3100.00} by XX/XX/XXXX American Express would agree to give me my credit limit back. Originally we had agreed that they would take over my credit limit that I had with the previous company and that agreement I was told I could pay the minimum payments no consequences and repercussions will be brought upon me for doing so. At this point that is exactly what is happening. Also, although the American Express representative expressed this information to me over the phone I gave them a call and I let them know I will pay you the {$3100.00} if you send me an agreement in writing that you will give me my credit back for sure it is a guarantee. The representative simply assured me did they would but said that they can not send it to me in writing which to me sounds strange and not trustworthy at all. I feel as though American Express has went back on their contract that we solidified in the beginning. It's unfortunate that they would give you a certain credit line can remove it from you without notice, & say if you give them a large amount of money they will give it back. This seems to me like bribing and threatening. American Express is making me pay them substantial amount of money under duress which is not fair or legal. In addition American Express lowered my credit limit at an important time in my life ... My credit score has dropped because they took it upon themselves to decrease my credit limit.

Company response to consumer: Closed with explanation