BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I owe just a little over 2000 to capital one. I was making payments and the amount just kept going up drastically. I had to let it go default and charge off because I could n't pay thousands for only spending around 1500. I then made a agreement for around 1300 with capital one and they never withdrew my money even after attempting to make payments. They are now sueing me in XXXX county georgia where I live. I only found out of this by letters from lots of differant lawyers trying to get me to file bankruptcy. I spoke with capital one hired lawyers it 's called winters and something. I made a arrangement to pay with them. I told them I would pay XXXX right now and that was last week. They were very nice to me on the phone and said they would have a letters at my house this past Monday for me to sign showing the judge I did have intent to care for this matter. I have yet to receive any letter or have any funds taken from my account. I did give them my account and routing number to make the payment. I have tried everything I possibly could have to care for this situation and I feel like I am being taken advantage of. I did tell them I was a veteran and right away everything changed with the lawyers same with capital one. I just want to be able to pay what I owe and not end up in jail over a debt. Please contact me at XXXX my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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 contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.

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 2020-05-03
Company: Navient Solutions, LLC.
State: OR
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:
I have been fighting this case for over 5 years and this is the 1st time my loans were showing from XXXX XXXX college. I have written to Navient many times and the consumer protection bureau, Borrower defense to repayment, OIG the Ombudsman, I filed with FTC, the police, everything. You name it, I have done it and still nothing is being done about these loans that are not mine. The only thing that is happening is accrued interest. When I file a claim with the Ombudsman, they say they investigate the case and verify it and then it is closed. My complaint is with the Ombudsman with student aid for dropping the ball once again, and working on the side of Navient for misreporting these loans. I complained with FSA that they closed the case, and it was escalated to another review with XXXX who said I had 7 days to give them new evidence. 7 days after I have waited over 5 years! I have received 100 's of pieces of documents to comb through. I want them to stop sending me these useless documents that are already a part of the NSLDB and look at my evidence. She was supposed to get back to me last week on Monday and did not. I have not received any emails from her explaining what they are doing about my case or if they have received my information. From the information below, It clearly shows from my award letters that I only received 6 loans from XXXX not 11. Yet 11 are being reported with interest. When I spoke with the loan coordinator at XXXX they said they do not use account numbers, and could do nothing about it. I was like pulling teeth trying to get the information as no one wanted to be held liable.. Therefore since Navient won't remove the loans, it is the Ombudsman 's responsibility to protect the students welfare. I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX  is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts 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 2021-09-14
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'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS

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 2016-07-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I started a loan modification program with Well Fargo in XXXX 2016, I made the XXXX trial payments in XXXX, XXXX and XXXX of 2016. We are now into XXXX of 2016 and the plan is still in limbo, I have had nothing but difficulty in getting this resolved with Well Fargo, as I have made over XXXX phone calls and ca n't get no-where. I have had XXXX different people assigned to work with me by Wells, the last XXXX named XXXX XXXX, has been extremely difficult to work with. I recently asked to speak to the manager of his department, I left a message for her, but have never received a return call. When I do get a live person in their modification Department, they always look at my account, they say everything looks good, so they place me on hold, so they can contact the title department, once they come back they always say, the title department says all is good and will be mailing out your paperwork to sign. Unfortunately, this paperwork never comes. Recently, I received a phone call from XXXX XXXX, he left a message saying that I would now need to file an appeal since the time frame for completing the paperwork had lapsed. 
This was the last draw, I have sent them everything XXXX to XXXX times, so they are going to punish me for their incompetence? I have more then jumped through hoops for these people, I have not missed a payment, but they seem to move the finish line each time. I can never get a straight answer from them, it 's just maddening.

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 2023-03-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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:
I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got an email from capital one saying that I should use my credit card or else they would close it because it was not being used. So, I promptly went ahead and used the card when I went to fill up gas. I had not used the card in a bit as I had lost it while moving and never seen it since. I had also gone into a branch in the interim and they had promised me that they had sent out a card. 

I went to the grocery store today, and my card did not work! On the screen came up something that said DO NOT HONOUR. I was really embarrassed and felt like a criminal. 


Then I called in tonight ( XX/XX/XXXX ) andt he reo said my card d d not work because I had missed a payment which was of course not true. After being questioned over it, the rep admitted hat it probably had nothing to do with that and said the card was closed due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Initially opened a home equity line of credit ( ELC ) with Wachovia which Wells Fargo ( WF ) took over during transition of companies. We always paid greater than the minimum amount due each month on our ELC. XX/XX/2015, WF forwarded, attached ltr, indicating changes to how WF would handle payments on our ELC. Never understood explanation, although, I spoke with a WF rep & it was indicated they had not been applying our interest properly. WF rep offered an unsecured personal loan, but told them I was not interested. Because my ELC was used for many items, my balance was a high one, so I felt WF was being honest with us. Due to how the interest was now being applied, we could only afford to pay only interest and our principal became stagnate since we maxed out the principle. With recent publicity on WF 's questionable practices, could someone please review our attached letter and determine if this was a legitimate and reasonable action WF took on us. Due to us only able to pay interest on our ELC, it forced us to refinance our ELC with another financial institute. If you find this ltr is most appropriate, I will consider your action complete. If you need further information from us, including copies of our original contract with Wachovia, please advise. Your review is greatly appreciated.

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 2021-01-28
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: Information belongs to someone else

Complaint:
I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the XXXX XXXX XXXX, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.

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 2021-03-07
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: Account information incorrect

Complaint:
Ive disputed account with XXXX before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for XXXX {$3300.00} and TransUnion as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX  Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation

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 2018-05-11
Company: Aargon Agency, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This creditor is reporting a negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. This company is in violation of two different consumer credit 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 2019-03-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a XXXX loan through Synchrony Bank/XXXX I opened the XX/XX/XXXX statement and noticed I was charged a late fee for the XX/XX/XXXX payment. On XX/XX/XXXX, I called Synchrony/XXXX and inquired on the {$39.00} late charge. I found out that I was also charged a late fee forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX I was shocked! I went back to my checking account/bill payment through my bank to see when the payments were submitted and transmitted to Synchrony/XXXX. I discovered that if my payment due date ( the 1st of each month ) fell on a weekend or holiday, I was being charged a late fee. I spoke to a manager at Synchrony/XXXX @ XXXX also onXX/XX/XXXX and was told they could only waive one late fee. I asked why I was being charged for days the Automated Clearing House is closed, and the manager 's response was - " there is nothing I can do ''.XX/XX/XXXX - payment sentXX/XX/XXXX - due date fell on Sunday - late fee chargedXX/XX/XXXX - payment sent onXX/XX/XXXX - due date fell on Sunday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Saturday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Tuesday, National Holiday - late fee chargedXX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Friday - payment posted on Monday - late fee charged but reimbursed This isn't fair that I am being charged late fees for payments that are due on the weekend, when processing doesn't occur. Synchrony/XXXX doesn't allow a grace period. Please investigate this promptly, because I am not sure how many other consumers are being charged late fees erroneously.

I have copies of all invoices showing the late charge assessments.

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 2021-09-14
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for a loan in XX/XX/2010 to attend a class as a XXXX XXXX at XXXX XXXX. I received a loan in the amount of {$8500.00}, which was distributed in full. The loan was initially with XXXXXXXX XXXX  and was then sold to Discover Student Loans. As of today I have paid {$10.00}, XXXX and according to my last statement {$1400.00} has applied to principal and {$8700.00} has been applied to interest. I have paid more than the original amount of the loan and I still have a balance of {$12000.00} on a {$8500.00} student loan for one semester at XXXX. Is there some law or rule regarding excesses payment? I agree I have a variable rate and I have deferred the loan for about 3 to 4 years. However by time I am finished paying off this loan it appears I would be paying at least 4 times the amount of the loan in interest. Is there anyway this can be rectified? is there any rule or law that can help someone like me in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Georgia Way2go card State Benefit been received : Georgia Benefit Program : PUA/FPUC Transaction summary : PUA $ XXXX XXXX Weeks FPUC $ XXXX XXXX Weeks Deposit Date XX/XX/2021 The account is been suspended after they make the payment on there for me, please i need your assistant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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:
Equifax and XXXX  are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A XXXX XXXX XXXX was purchased using my credit score. That was not me!

I did not purchase this car, nor do I have this car. My brother XXXX XXXX may have. 
My friend XXXX XXXX took my personal information out of my home. Perhaps that had something to do with car inquiries also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PNC Bank N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee of {$38.00}. I made my payment on the due date and but it was paid after XXXX. On my statement he says payments after XXXX will be credited the next day but it does not state that a late fee will be charged. I called numerous of times to get them to remove the late fee and advised them if that was their policy that it should be in writing. I was told I should be able to figure it out. As a customer I know have rights and I know that I have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 a new Credit card with Capital One on XX/XX/2021. I have made my first payment over the amount due. I'm in the process of building my credit. I was informed by Capital one that it will be reported with all three credit bureaus three business day 's after the billing statement which is the XXXX or XXXX day each month. However it has been almost three weeks and my new credit card has not been reported to the three credit bureaus at all. I'm requesting Capital One to report my new credit card account.

Company response to consumer: Closed with explanation