BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 credit inquiries on my credit report from XXXX of 2019 from Capital One Bank. I do not have an account from them nor would I seek one. I would request that these inquires be removed from my credit report. These are affecting my credit score for an account that I do not even have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: NY
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 disputes with XXXX, Equifax and XXXX having incorrect information on my report from XXXX XXXX XXXX XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
On XX/XX/21 and XX/XX/21 I have received a letter from disputes that I have made over fraudulent information concerning my consumer report over at TRANSUNION. I contacted TRANSUNION via phone about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX  and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit. They sent me back the investigation results however no true investigation was done. I am requesting a reinvestigation of this matter without the use of the XXXX system to verify the information on my consumer report that is pursuant to federal law and request evidence of that investigation pursuant to FCRA and the FDCPA.

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 2018-01-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I believe that the initial interest rate exceeded the maximum amount a person should have to pay, well over 20 %. Although I tried maintaining the payment and asked several times to lower my payment, the lender only extended the loan until I could no longer afford to keep the vehicle and it was repossessed. 

The balance remaining after the vehicle was supposed to have sold is well over what the car is even worth today. Below you will see what the value of the vehicle really should be DMV profile XXXX XXXX VEHICLE XXXX XXXX XXXX XXXX XXXX XXXX 4dr XXXX VIN : XXXX DRIVERS XXXX XXXX Year of birth : XX/XX/XXXX Driver license : XXXX License state : FL Expenses Insurance Last updated XX/XX/XXXX - Vehicle Value Estimated by XXXX - {$9000.00} Private party Current valueUPDATED {$9000.00} Private party {$6700.00} Trade-in good condition {$6000.00} Trade-in average condition {$5100.00} Trade-in poor condition About vehicle valuation There are several factors that are used to calculate your cars current value. Your current mileage, where you live and the cars condition all play a role in your cars value. 


Recall notice STRUCTURE : BODY : HATCHBACK/LIFTGATE + XX/XX/XXXX Affecting XXXX vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
I purchased ( 2 ) XXXX XXXX XXXX  XXXX 's for {$1900.00} on XXXX  on XX/XX/2021. I received one of the phone, but to find out when going to get it activated at my cell phone provider, that the phone was blacklisted, So it is basically a paper weight. I contacted XXXX Numerous times, and they were not helpful at all and would not help me. I contacted my Credit Card Provider ( American Express ) and explained that I had only received one of the products, and still was waiting on the other item. I waited about 2 more weeks, contacted XXXX once again to see where my item was and to see if they could help me with the other item as well, To find out that the other item was delivered, but was not received by me. I tried to get XXXX to help me with both of the items as I hadn't received one of the items and the other item was blacklisted and could not be used. They Refused. I then contacted my bank ( American Express ) and filed a dispute, the dispute got denied as XXXX was stating that I had received the items, This is about a month later. After seeing that the dispute was denied and they rebilled me for 2 items that one was blacklisted and the other was not delivered to me as they stated, I saw on the letter they sent me stating they were rebilling me for the purchase, that there was a signature but it was not mine, I then brought this to my banks attention, and once again we are disputing the charge again. We do this for about 2 months, With proof and everything that one item was unusable, and the other item was not delivered to me. We disputed the charge about 5 times. After the 5th time of being denied of the dispute, I called my bank once again and the guy stated i could do an insurance claim. So i go through the process of the Insurance claim with my bank, and provide everything they asked for, and once again was denied the claim. This has been a complete utter nightmare. When i pay off the remaining balance i will be closing my account with American Express. I thought they were suppose to protect the customer, But from my experience i see that, that is not true at all. They are the worst Bank i have ever dealt with and wouldn't recommend anyone to use them for banking at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
i recently had a fraudulent wire charge for XXXX XX/XX/XXXX and was denied my phone was stolen and i thi then bbva denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
InXX/XX/XXXXCHASE BANK ( located on XXXX XXXX XXXX ) in  XXXX Florida closed without any kind of warning my account. 
I have neverhad any kind of issues such as overdraft fees, I have been a cutomer in good standing for more than twenty years including Washington Mutual. 

The account was closed in simple retalitory manner by a so called " manager '' after I complained to her about customer service issue at the branch and the fact that Chase had refused in violation of federal law to investigate a 70USD transfer from my account. I had contacted Chase in XX/XX/XXXX several times via phone and e- mail to investigate the transaction. Chase refused to do so for more than 13 months. 
I talked to a manager with extreme poor command of the English language who also was unable to understand the what a Power of Attorney is, which I held for my XXXX year old father. 
Chase terminated also his account with any kind of warning or notice ( onXX/XX/XXXX ) I mailed a phony backdated notice on XX/XX/XXXX 
We found ot that the card did not work in the supermarket when trying to purchase medicine for my father. 
Chase has ignored all of my e-mails and letters to the branch, to CEO XXXX and to the manager in XXXX. 
Chase has also failed to return me XXXX ( XXXX XXXX ) as a matter of principle as interest for the month of XXXX XXXX which came due after I had to wait for 2 hours to get my money back from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
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:
Account was paid for and creditor sent request to delete on XXXX and Equifax has listed this account for XXXX XXXX on the report as a new account of XXXX. The same account is listed 3 times as open and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from 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 2019-02-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I purchased a car Santander and was charged of showing a date of last activity of XX/XX/XXXX with Santander. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with Santander with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the Santander account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BARCLAYS BANK DELAWARE
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:
XXXX Card had sent XXXX Inquiries for the following dates that were not authorized by me -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have spoken to them countless times and they agree they would send to Transunion but have never done so to my knowledge.

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 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-02-17
Company: Grant & Weber
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a bill for XXXX dollars from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I never owed them any money. When I left XXXX XXXX because they refused a small loan I was given this outrageous bill. My account may have been overdrawn by XXXX or XXXX dollars however they are exaggerating this to thousand and more. Not only that XXXX XXXX XXXX XXXX signed a contract that they would not do anything negatively to my credit however I am now being threatened by this company and they are stalking me. After trying to go online to XXXX XXXX website recently to resolve a small overdraft I was immediately called by a debt collector and began receiving mail from them. I did not give them my phone number or address. I am now being stalked by a credit repair union over a small overdraft that is exaggerated to over a XXXX  dollars.

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 2022-08-13
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 information incorrect

Complaint:
I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


XXXX : Number Mortgages XXXX Score XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am in distress because of the inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company NEVER sent a response as to why I was " approved '' and then declined. They have never emailed me to contact me about this matter, yet they lie and claim they contacted me. No emails whatsoever. 

As I stated previously, when I called to check the status of the application it had NOT went to underwriting according to their agent but I was approved as underwriting was the final step. I was also PROMISED by their agent that my credit would only be pulled once it went to underwriting which at that point it had not. They confirmed their agent made a mistake. 

That said, had the agent said it was a pre-approval then I would have never continued the process and there would have been no need to check my credit creating 2 inquiries by Headway  Capital on my credit report. 

So no, I did NOT knowingly give authorization as that was only done AFTER I was told by their agent that I was completely approved. This company has yet to email me anything and I have asked for an emailed response ONLY! 

Still waiting to hear back from the company that lies repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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:
Hi, This matter is with XXXX XXXXXXXX XXXX. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called XXXX and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that XXXX reported me XXXX months paying late. I tried calling XXXX multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that XXXX was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the XXXX credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that Experian also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both XXXX XXXX  XXXX and Experian. XXXX XXXXXXXX XXXX for reporting inaccurate information and not correcting the issue, and Experian for not doing their due diligence on my behalf. 
I can send you the payment history statement that XXXX sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some hackers had my information and got a credit card in my name and now I cant get a capital one credit card. I didnt know that I was a authorized user on the account and I checked my credit score and it said that I had a capital one card in my name. I need some help so I can get my credit score back in order.

Company response to consumer: Closed with non-monetary relief