BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I come back and send you this complaint since you referred the answer to a supposed lawyer that I do not know completely. and I demand the same as in the previous complaint. 

I am not aware of any attorney acting on my behalf. I do not know and I demand that all information be sent directly to me. 

XXXX XXXX XXXX with the Law Offices of Litigation Group Practice. 

15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received collection notice from Hyundai Motor Finance dated XXXX XX/XX/2020 and received today indicating my payment iao XXXX is past due. Late payments may result in late fees and may damage your credit. It is very important that you prevent further collection efforts on this account. My payment is due on the XXXX of each month and was made on XXXX XX/XX/2020 and posted on XXXX XX/XX/2020. I always make my monthly payment within the grace period allowed and have never received a collection notice for late payment. This is a creditor harassment. I reached out to the company and was told " we are not sure why this happened and to just regard the notice ''. This response is unacceptable and I am requesting a formal apology from Hyundai Motor Finance. It is my belief that this has happened because I took XXXX XXXX XXXX to arbitration and won and they now have to replace my current vehicle with a new vehicle. I've leased 2 Hyundai/XXXX  vehicles and have never ever received a collection notice.

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 2018-12-22
Company: CITIBANK, N.A.
State: CA
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 wanted to let you know that Citibank has been calling my work and my Mother 's house and has continuously been pretending to be someone else in order to get me to call them back. I have been trying to work with them but at this very moment after theiere interest and all the late fees I am currently not able to do so. 

I still feel just because I can not pay them as of today they should not be allowed to call and harass me and not only that call and pretend to be someone else. The have continuously called not only my family but they have also called my Mother 's home number and I have asked them to stop but they keep calling.

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 2021-07-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX A friends XXXX  profile message me I thought it was really my friend. Told me about Federal Government Grant who is the Attorney name is XXXX XXXX. That he RECEIVED XXXX GRANT AND TOLD ME TO TEXT THE NUMBER XXXX, SO I DID. THEN OUR TEXT BACK AND FORT GOING ON THAT AGENT SAID I AM APPROVED AND NEED TO CHOOSE ANY AMOUNT BUT NEED TO PAY DELIVERY FEE. 
So I PICK A XXXX WITH XXXX DELIVERY FEE AND NEEDED TO BE PAID ON THAT DAY SO MONEY BE DELIVERED WITHIN 24 HOURS. I GATHERED SUM OF MONEY AND THAT AGENT WANTS ME TO DO A FUND TRANSFER TO A NAME ; XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX WHICH I DID TRANSFER XXXX ONLY MONEY I HAVE ON THAT TIME AND AGENT TEXT XXXX BALANCE BE PAID THE NEXT MORNING. 

XXXX XXXX AGENT TEXTED ME XXXX NEEDS TO BE PAID NOW BECAUSE DELIVERY MAN WERE READY AFTER MY PAYMENT IS CONFIRMED AND WANTED ME TO SEND MONEY VIA XXXX TO ANOTHER NAME : XXXX XXXX XXXX XXXX XXXX AND I DID SEND VIA XXXX BACK XXXX THINKING ABOUT I AM RECEIVING MY FEDERAL GOVERNMENT GRANT. 
AFTER XXXX CONFIRMATION AGENT TEXTED THAT DELIVERY MAN WERE ON THEIR WAY. I WAITED AND WAITED NOBODY CAME. WHILE IM waiting, I CHECKED OUR XXXX  CONVERSATIONS OF MY FRIEND ( I THOUGHT HE REALLY WAS MY FRIEND ) ON XXXX/ XXXX  and REALIZED I NEVER HAD A CONVERSATION WITH THAT PROFILE EVER SINCE. NOW I JUST REALIZED I GOT SCAMMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: TX
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:
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas  resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas. XXXX hasn't produced info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: FISERV INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My economic impact money issued by the US government were scheduled to pay me on XX/XX/XXXX. I was told that I will receive a debit card issued by the bank ( XXXX ). Until today my wife and I don't receive cards. 
I tried numerous times call the bank ( XXXX ) but always I was disconnected because I don't have a card number ( I don't have because I did not receive it ). There are two cards issued one for me second for my wife. Both debut card should have {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for this card because it was rated highly for balance transfers.I listed my wife 's phone number and email because I am on the road and work in the XXXX. I have no signal most of the time. As part of our financial strategy, we did not include her as an applicant. ( She is now listed with American Express as an account manager. ) I received the card in the mail and activated it online. I wanted to transfer a balance. I was aware of the advertised terms as stated on numerous websites. Even the paperwork stating terms were received with the cards. I was unable to transfer the balance I wanted. Apparently, American Express recently decided to not accept balance transfers. I feel I should have been notified of this prior to the company dinging my credit ( which I am super careful about ). I also chatted online with a " XXXX '', who told us that I can only use the card for daily purchases. Balance transfers were only by " special invite ''. How many credit savvy people are taking a hit on their credit scores and not getting the services and offers they thought they were applying for? This feels like " bait and switch! '' Now, my credit took a hit for the inquiry and I have a new credit card that is useless to me because I can't use it as I had intended! 

On XX/XX/XXXX, we received an email stating that the complaint was closed because the name and phone number listed on account did not belong to applicant. Of course, it was my wife 's. As I said, she is now listed as an account manager. I want to pursue this complaint. Please " re-open '' this. The original complaint number from OCC is XXXX. The CFPB complaint number is XXXX ( XX/XX/2020 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax credit report constantly consist of errors from dispute comments being on accounts that AREN'T being disputed to Equifax readding items previously removed but not providing notice to me the consumer that items are in fact reapplied to my credit file. please see accounts and problems noted below 1 ) XXXX XXXX XXXX XXXX/XXXX account # XXXX Equifax needs to remove dispute comments account is not in dispute 2 ) XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX Equifax needs to remove dispute comments account was resolved months ago 3 ) XXXX XXXX XXXX XXXX account XXXX XXXX Equifax needs to remove dispute comments resolved months ago 4 ) XXXX XXXX XXXX XXXX account XXXX XXXX account was removed from credit file in XX/XX/XXXX, today it reappeared with no payment history, no account term or details no date of last activity and a delinquent note of XX/XX/XXXX why is this reapplied 2 years later with no notice to me the consumer or account details There has been no communication to me from the creditor in over 3 years 5 ) XXXX/XXXX XXXX account # XXXX balance on the account states {$110.00} I have disputed this account several times even provided account statement showing account has a XXXX balance Equifax needs to update the account balance to reflect XXXX balance Equifax stated they previous investigated the account but report shows no payment history since XXXX and date of last activity as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I began repaying my XXXX XXXX student loan in the earlier part of XX/XX/2017. I was ordered to pay around $ 1300/month. I did this for a few month but literally would be negative in my bank account or with just a few dollars left at the end of the month. Called XXXX XXXX to explain I couldnt afforded the current payment plan. The XXXX XXXX rep told me to let my account go into collections to prove I couldnt afford my current payment so that they would work with me to lower my monthly payments. I didnt know any better so I did exactly what she told me too. XXXX XXXX eventually called me and then offered to lower my monthly payments to $ XXXX/month. However this reduced payment plan only last 2yrs then it goes back up to $ XXXX/month. Also I fee that XXXX XXXX trapped me by telling me to let my loans go into collections because I cant even refinance the loans due to the collections being on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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:
In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Lending Club Corp
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lending club offered 2 month deferment of payment which includes principal and interest to be deffered to back side of loan. These 2 months were for XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX I made my payment and all {$920.00} was applied to principal. I called and they were going to get this resolved. Nothing happened so I called back about middle of XXXX and said it was still showing interest. They made lots of notes, put me on hold, called other departments and said they would get this figured out. Today I called because I logged onto account and my XX/XX/XXXX payment is showing {$760.00} went to interest and {$160.00} went to principal. the rep said it was because I skipped 2 payments and that the next 2 collects the interest. The first 2 reps on XX/XX/XXXX and the XXXX never said any of this and I have a letter dated XX/XX/XXXX that sais *Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance as outlined in your truth in lending disclosure. 

So it looks like for XXXX and XXXX they charged me {$1600.00} of interest.. This is fraud!!! My interest for a normal month is {$430.00} so 2 months should have been roughly {$860.00} and even that should be at the back of the loan. 

The rep today had incredibly strong accent so very hard to understand but I still understand that this is an absolute rip off. Taking advantage of covid times should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the accounts mentioned does not belong to me nor did I have any knowledge of the accounts the accounts are as following finance system of Toledo XX/XX/XXXX {$100.00} XXXX {$64.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$470.00} the accounts are result of someone using my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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: Information belongs to someone else

Complaint:
I have submitted a complaint to Equifax with regards to 2 accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Equifax with regards to these to accounts. Please remove the following accounts from my credit file : XXXX  opened XX/XX/XXXX XXXX/XXXX opened XX/XX/XXXX The following addresses is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: NY
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:
Hard inquiries from : 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 2018-06-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am the primary lender on this loan. Due to changes in my finances, it was necessary for me to make lower payments, as it was difficult and unaffordable. Fees and other charges were added on to my balance even when we made timely consecutive payments. Ever few months to a year, it seemed like I was being contacted by a different company for the same loan, and the balance was not reducing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Recently, I found several accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open.They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: Granite Edvance Corporation
State: TX
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 sent a dispute straight to Granite ( XXXX XXXX XXXX ) about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from Granite via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX  and XXXX  and 180 days late at that point with XXXX.

Company response to consumer: Closed with explanation