BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hello, I am trying to trade in my XXXX XXXX XXXX which is sold at a high price and over market value by about XXXX. Capital one refinanced that loan and gave me a lower interest rate, but they forgot about the XXXX, XXXX was charged extra for a vehicle that is now being traded at the high of XXXX with a loan balance of XXXX. 

I was sent marketing that approved me for up to 35,000 per-approved for an expiration date of XX/XX/XXXX, and another one for the end of XX/XX/XXXX. I went to XXXX XXXX in XXXX XXXX XXXX and still have not gotten an approval, because now they are saying it is out of the range. Capital One sent me a denial letter, and also XXXX XXXX is saying that they can not give me a loan on a used car because most dealers will not give a loan on a used car with the equity problems that are with this vehicle. 

The problem started with XXXX on XXXX XXXX across from XXXX XXXX when the vehicle I purchase was a XX/XX/XXXX loaded XXXX and I bout it for over 30,000. The vehicle was fraudulently sold at a price about value and now has me in a bad position for a trade in. I have al of the documentation if you need to see it. I have a warranty and it will expire unless Capital One does something to fix this problem. There are three players in this mess and they are XXXX  on XXXX XXXX, XXXX XXXX , and Capital One. 

I was approved for a loan and denied access after the fact from Capital One who sent me two letters saying that I was pr-approved which is misleading and fraudulent marketing. XXXX XXXX failed to figure out the problem and ran excessive credit inquiries which has impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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 traded in a lease for a new lease with XXXX XXXX  FL.  They paid off the balance of the lease in the trade in.  XXXX financed it in XX/XX/2019 . XXXX financed the old lease and the new.  The trade in balance $XXXX  that was absorbed by XXXX and paid off. We have a XXXX balance due but yet XXXX still has it on my credit till today. we have taken all measures to clear this up including a letter from XXXX and XXXX  stating there is no balace due. With over 30 calls to both institutions and sending the letters to credit agency they responded that XXXX is responsible for the reporting.  This is negatively effecting my credit rating and must be cleared 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 2023-02-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Nelnet, Inc.
State: GA
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:
My total school debt is $ XXXX ; XXXX with XXXX and one or two semesters with XXXX that was not completed due to medical issues. Later found out I had have a XXXX removed from my XXXX. My loans were deferred and forbearance due to hardships. But, I kept up with my servicer until XXXX XXXX sold my loan to XXXX  XXXX. My loans were consolidated under XXXX XXXX. However, XXXX XXXX broke up my loans when it was sold to XXXX  XXXX. At this point, my loans were report as $ XXXX. This amount is incorrect. It appears it is " estimated interested '' already added to my loan. I did not learn of this until some of my loans were reported in default and XXXX XXXX came after me wages by attempting garnishment. I got my lawyer involved and then they agreed to put me in a repayment plan. However, even though I was paying them as agreed XXXX XXXX was still reporting me as default. The rest of my loans were with XXXX in good standing. After the " rehabilitation period '' was over XXXX XXXX sent me to Nelnet. They are charging {$20.00} interest day ; $ XXXX monthly or $ XXXX annually. This is just in interest. My monthly payment is {$690.00}. So that is a total of {$1200.00} per month. I was told an additional 30 % would be added for the life of my debt with Nelnet. There is no way I could ever pay this loan off. I don't make enough to keep up with this outrageous predatory lending tactic towards graduate students. These terms were not agreed upon when I took out my loan or exited my school process. I need help to protect my credit. Interest monthly should never exceed my monthly payment. Nelnet and XXXX XXXX are one in the same. I contacted XXXX XXXX  and it gives me XXXX, as well. I feel trapped and need help fast! Every day is costing me {$20.00}. I want to pay what I owe, not 3x 's plus 30 % " insurance '' for the life of my debt with Nelnet/XXXX. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: NY
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:
All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I booked travel via AMEXs travel portal XX/XX/XXXX for {$210.00}. In accordance with their website advertisement of a {$200.00} Annual Travel Credit ( https : //www.americanexpress.com/ca/en/benefits/the-platinum-card/annual-travel-credit.html ). 
I met the Benefit Eligibility ; Basic Platinum Cardmembers As well as met the Terms & Conditions 1. The {$200.00} CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at XXXX or by calling Platinum Card Travel Service . Travel booking must be charged to your Platinum Card. Account must be in good standing. If you choose to use the Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one ( 1 ) Annual Travel Credit each year based on Card membership anniversary date, towards a single travel booking of {$200.00} or more, and will appear on your billing statement as Platinum Annual Travel Credit. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to use it again in the same year. You can only use one Travel Credit per booking.

However, now after having contacted Amex ( XXXX, XXXX, XXXX, XXXX, XXXX ), Im being told over the phone, contrary to their website that the benefit only extends to SELECT Platinum members, not all BASIC platinum members as advertised ( and still advertised ) on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an installment loan / line of credit for {$5000.00} from Synchrony Financial / CareCredit but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have a synchrony bank XXXX store account in positive standing. I have a Synchrony Financial XXXX  credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.

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 2020-10-25
Company: TD BANK US HOLDING COMPANY
State: FL
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/2020 I received a letter back from XXXX  stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Target Card Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 just obtained my free credit report and saw some inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've did. I'm worried these inquiries will affect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-03-28
Company: Upstart Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called several distant family members claiming they are trying to serve me papers. I would love to see these papers. They claimed to be from my county clerk 's office and needed me to call back because they needed my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I have a first mortgage on a condo and have been in forebarance due to COVID. Instead of foreclosing, we have found a buyer for our condo and are supposed to close on XX/XX/21. Our closing attorney office has found that PNC has incorrectly filed the Deed paperwork for the second mortgage LOC that we paid off a couple of years ago, before the pandemic. Due to the incorrect Deed paperwork, we are unable to close and have spent multiple days trying to work with PNC to get the Deed paperwork filed correctly. PNC failed to identify the Tax Parcel ID, which was left blank, along with other errors. We expressed the severity of needing the corrections made so we can close on the condo property but PNC has not been responsive to our requests to correct the matter. This error has not only caused undo stress, but will also result in monetary penalties on my part due to their lack of accuracy and responsiveness. Our closing will have to be delayed and PNC representatives who have assured us the issue will be resolved have not responded as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
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:
Dispute with HSBC credit card company ... ... ... ... .... 

In re : Credit Card Account ending XXXX ( original account ) In re : Credit Card Account ending XXXX ( new account opened after fraudulent charges on XXXX ) Some quick background. In XX/XX/XXXX, the balance on account XXXX was {$0.00}. Then, in XX/XX/XXXX, two fraudulent charges were made on the card for {$100.00} and {$53.00}. HSBC investigate those charges and found them to be fraudulent. ( Note : HSBC confirmed that in a letter to me dated XXXX, XXXX, XXXX ). 

That should have been the end of the story. I have not made any charges to either account XXXX or account XXXX since XX/XX/XXXX when my account balance was {$0.00}. At this point, neither account should show a balance. 

However, I received a letter from HSBC collections department dated XX/XX/XXXX stating that there was a balance owing on account XXXX and that I should give them a call if I had any questions. I called in and reached XXXX in the Collections and Recovery Department. She reviewed my accounts and confirmed that both accounts should be at XXXX and that she would be adding notes to the accounts reflecting her determination. She could see that the accounting mess up occurred around XX/XX/XXXX when the new card XXXX was open up. It looks like the credits for the two fraudulent charges were applied to account XXXX, leaving the fraudulent charges on account XXXX. The credit applied to XXXX was never sent out to me, only a credit check for some misapplied late charges and interest. 

In closing, as I mentioned to XXXX, I have had to spend way to much time with HSBC over the past 10 months trying to resolve this issue. She agreed and apologized on behalf of HSBC commented that it was a mistake on HSBCs part and that I definitely do not owe anything on either card. However, when I go online and check my accounts at HSBC, I can see that there is still a balance owing on account XXXX with multiple late charges being applied. 

To summarize : -- {$0.00} balance on account XXXX in XX/XX/XXXX -- Two fraudulent charges in XX/XX/XXXX of {$100.00} and {$53.00} -- New account XXXX opened and original account XXXX closed -- HSBC Fraud Department investigation into above charges determines that they are fraudulent and that I am not responsible for the charges -- I have made no other charges on either card XXXX or card XXXX since the two fraudulent charges were made in XX/XX/XXXX -- Ending balance on card XXXX should be {$0.00} -- Ending balance on card XXXX should be {$0.00} Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Owned card for 21 years, never late. Amex offered a 'payment ' agreement, under Covid, I recorded the agreement with my wife on the phone, they didn't record the agreement. I paid the agreed amount in XXXX and XXXX, yet they reported the account 30 days late to all credit reporting agencies damaging my credit. All my calls are routed to XXXX XXXX where nasty, disrespectful representatives try to collect the money making false threats of improvement and arrest. Under Fair Debt collection Practices Act they have violated all rules, late calls from XXXX, 12 times a day on my phone making false threats, I have recorded the conversations as well. Call them 7 different occasions, I have 4 supervisors id 's and nothing has been resolved. 
I will proceed legally with a lawsuit as well as for all damages this has caused me and my wife.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: PA
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 sent my documents in to XXXX and Equifax they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS XXXX Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-06
Company: EQUIFAX, INC.
State: IL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.

Company response to consumer: Closed with explanation