BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Specialized Loan Servicing Holdings LLC
State: MI
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:
Specialized Loan Servicing LLC failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

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 2020-10-18
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account has been paid off and sold to another creditor therefore, i am not liable for this account anymore, please remove. IT is still reporting on my credit and it is reporting erroneously that i was 30 days late in XXXX XXXX it was never late See the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During XXXX and XX/XX/2018, I was charged numerous fees in excess of {$300.00} and checks corresponding to the fees were returned. Many of the retruned items, linked to the fees, were less than the returned item amount. I was charged {$39.00} on item returned for {$19.00}. This is an unfair business practice that makes profits for the bank at a consumer 's expense. I am happy with the bank but not happy about the exhorbitant fees charged to me recently.

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 monetary relief
Consumer complaint received 2021-06-28
Company: ALLY FINANCIAL INC.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Please I Want a loan because my business he is delayed or give me job please help me XXXX no XXXXXXXX XXXX XXXX please help 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 2022-08-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital Account XXXX you state original creditor is XXXX Please if you can validate is account for me NOT VERIFY { 1 } who you talked to their name contact information, what was SAID both parties, any associates you contacted their name and contact information, time and date of above contact any co worker you may have contacted their name and contact information, the { original creditor } name and contact information VERIFIED means make sure or demonstrate that { something is true or justified, } LAW swear to or support { a statement by affidavit } Validation meaning the action of checking or proving the validity or accuracy of something { contract Signatures, .CFPB have a rights to this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
someone has my information and they are able to misuse it.

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 2018-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 I received a call from Mrs. XXXX XXXX Chase to tell me that their response to my original complaint will stand and that they will not change their response. She stated that Chase policy prohibits holding payments even though that was precisely what XXXX XXXX did to me. She continued to accuse me of being " behind payments '', " not paying '', " fail to pay '' and more just as they have done in their response to CFPB. I reiterated that " Forbearance Program '' means that the customer will miss a certain amount of payments ( hence the name of the program ) and that these payments will be repaid at the back end loan, Mrs. XXXX and Chase seems to have a disdain for those who customers who enter the program and stop at nothing to harras, threaten, hold payments, write accusatory letters, and make phone calls just like the one on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I've reach out to Transunion on several occasions, I'm not sure what's going on but I would like this issue cleared up asap. Transunion is reporting my old XXXX XXXX XXXX loan account 30 past due. This account had not been past due or 30 days also the pay status shows ACCOUNT 30 DAYS DUE This XXXX account # XXXX opened XX/XX/XXXX was paid off in XX/XX/XXXX the pay status should be Current or Paid not 30 days past due ( PLEASE UPDATE IMMEDIATELY ) ..Also, Transunion is reporting XXXX XXXX Acct # XXXX pay status account 120 days past due this account was paid off in XXXX the pay status should be Current or Paid not 120 day past due ( PLEASE UPDATE IMMEDIATELY )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: GA
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union not letting me acces my funds when I get paid direct deposit and its not letting me see nor touch my money because of problems they are having its shut down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM financial and XXXX XXXX XXXX. 

GM account number : XXXX Complaint : I had received no notification, by mail, phone, or email. GM did not even have my phone number which is unchanged going back to 1997 or email, but sent a employee of their contract with XXXX XXXX XXXX to reposes my vehicle over a very small amount. I paid the entire amount in full of {$3000.00} the very moment I found about this mess. 
Concern : The employee from XXXX XXXX XXXX frienghted my family, with us calling the XXXX county police on him- which they concurred his behavior set him up for potential criminal liability over harassment charges. I do have him on video. 

My concern is over the entire way this has been handled. The individual from the car retrieval company is fortuantate I did not pursue charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: CA
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 mailed out a Deletion Letter to XXXX  and Equifax in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) for XXXX/XXXX  via account number XXXX. I provided all my necessary personal identification to verify the account. XXXX  responded with the account being accurate based on the e-oscar system, and Equifax did not respond within 30 days. XXXX   did not call or mail for questions to the creditor. My tri-merge credit report does not show a correspondence address or a working number. The contact number showing on my report brings you to an automated line that does not connect you to a live person to report a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to reach SoFi ( XXXX  XXXX XXXX   ) for more than 2 weeks about a verification of deposit form and they just keep repeating the same statement " We need the lender to send us a VOD form ''. I as an account owner of SoFi am request a verification of deposit for XXXX XXXX reasons. XXXX does not provide a VOD form. The employees at SoFi can not seem to understand the simple fact that a VOD form for immigration can simply be requested by account owner. 

I have spent countless hours on phone with SoFi. I have created multiple tickets with SoFi and all their end result was wasting my time when my visa appointment is coming up! 

I even created a VOD form as an Individual to submit to SoFi and they rejected it for not having " company letterhead ''. HOW DOES AN INDIVIDUAL HAVE A LETTERHEAD? WHAT DO THEY WRITE? ACCOUNT OWNER, LLC? SoFi just doesn't understand simple facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither TransUnion, XXXX or XXXX   actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither TransUnion, XXXX  nor XXXX  used proper investigative methods to verify the accuracy of the account from the very beginning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2020-09-07
Company: EQUIFAX, INC.
State: TN
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 noticed inquiries that were on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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:
There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, I made an online purchase from XXXX XXXX XXXX XXXX for {$470.00} for a coffee table. The approximate delivery date was to be 56-84 business days. XX/XX/XXXX, purchase posts on my Bank of America account. XX/XX/XXXX, I sent an email inquiring of the status of my order. XX/XX/XXXX, I received a response apologizing and blaming an employee. They also moved delivery date to XX/XX/XXXX. XX/XX/XXXX, I sent another email inquiring of the status of my order. XX/XX/XXXX, I received a response stating they were still behind but my order was in production. XX/XX/XXXX, I sent another email and did not get a response. XX/XX/XXXX, I sent an email officially requesting a refund. XX/XX/XXXX, I contacted Bank of America to dispute the charge based on fraudulent business practices. I received a temporary credit. On XX/XX/XXXX, BofA notified me they were reversing the temporary credit because it was outside their time frame to investigate the claim. I was never contacted by anyone from BofA to collect the evidence of my claim, which substantiated the extended time frame. On XX/XX/XXXX< I contacted BofA and requested my claim be reopened. I was given instruction to complete a rebuttal letter and provide the correspondence I had between myself and the company. I provided this to BofA on XX/XX/XXXX. On XX/XX/XXXX, BofA removed {$470.00} from my account. On XX/XX/XXXX, I contacted BofA and again requested my claim be reopened. BofA supervisor XXXX, in Arkansas, refused to do so based on being outside the time frame, despite what I was told previously by BofA and the evidence I provided to them. I can share the same with your agency once I am contacted.

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 monetary relief
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my report and saw that XXXX XXXX card with XXXX is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account 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