BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.

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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I send in a letter asking to rescind my auto loan, the company respond but saying I disputing the information on my auto finance report when I didn't ask for that. I asked for my loan to be rescinded. Then I send a reply letter again telling the company I want to rescind my auto loan and Opt out from the company reporting to personal information. they are now refusing mail from me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX California XXXX XX/XX/XXXX CHASE BANK XXXX XXXX  # XXXX XXXX XXXX De XXXX XXXX : Chase Credit Cards Account Numbers : 1 # - # XXXX - {$800.00} 2 # - # XXXX - {$5200.00} 3 # - # XXXX - {$2100.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE BANK XXXX would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX., XXXX Without Prejudice XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am an XXXX American minority female that is currently being suppressed from achieving the American dream by Transunion. 

Recently, all of my rental history was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.

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 2020-09-04
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 filed a complaint against XXXX XXXX reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY XXXX XXXX sent a notification to Equifax asking them to remove my XXXX XXXX account instead of removing the hard inquiry. i called Equifax and they referred me to XXXX XXXX. Capital One was unable to handle this case, wasted a working full day on phone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Ocwen Financial Corporation
State: MD
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:
XX/XX/2016 the property at XXXX XXXX XXXX was forclosed on by ocwen and auctioned off, ocwen bought it back from themselves at the auction for the total amount owed, I have the lawyers papers from the auction. It's only wrong on XXXX and they or ocwen will not fix it. It's hurting my score an ability to buy. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$640.00}

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and TransUnion are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit 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
Consumer complaint received 2021-01-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a bank account with TD bank using a promotion that offered a cash sign up bonus for setting up direct deposit and meeting a few other conditions. I carefully read the fine print and made sure I was eligible, and the promotional code offered applied to the account when I opened it. I met all of the conditions and the promised bonus was not applied to my account by the timeline specified. I contacted TD bank and they said I wasn't eligible for the bonus because I've received a bonus from them before. This is not in the terms and conditions of the offer at all, and in fact the terms just state you are ineligible if you've had an open account in the past 12 months ( I have not ). I feel cheated because I've now had thousands of dollars in this bank since the summer as I was trying to meet the conditions of the bonus, to no avail. I was wrongly led by the bank to open this account, and I would never have chosen to bank with them and leave my money in there if I knew they wouldn't honor the promotion I signed up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
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: Information belongs to someone else

Complaint:
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, TransUnion, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.

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 2021-02-23
Company: BANK OF THE WEST
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened an account on XX/XX/2020 with Bank of there was an offer for a {$250.00} bonus if the following requirements were met : Customer must make direct deposits totaling {$1000.00} or more each calendar month for three consecutive calendar months by XX/XX/2020 to the new checking account. One or more separate direct deposits in a single calendar month that add up to {$1000.00} qualify. 

I met the requirements but the bonus has not been paid.

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 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2019 ( all 3 Bureaus ) I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We turned in our lease 3 months early because of Covid with over XXXX miles unused and no damage. The car has a bumper to bumper warranty for the first XXXX miles and was in service less than 1 month previously with no driving afterwards except to return it. They are trying to charge us {$1200.00} of which I only agree with $ XXXX monthly rent that was still do, with the {$390.00} disposition fee should be waived per covid making us return the lease. There is no excessive use or damage as they provided no proof of anything. I offered to take back the car since we turned it in early, but they refused!!!! I had planned to make use of the XXXX miles we had left on the lease by constantly driving it and keeping it to the last day. Nissan are thieves and likely this is in retaliation into a lawsuit I have against them in response to the certified used XXXX I bought. This has nothing to do with that lawsuit, but I'm sure they are trying to make things difficult for me since I no longer want to be a Nissan customer after how they treated me with my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I  paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment.  They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I originally secured the loans through XXXX XXXX. I did not complete the degree due to the graduate school being unable to support my thesis ( 3 changes in advisorship ). I left and began working and filed a complaint regarding student program compliance with the Department of Education. They were not competent enough to effectively process my complaint and help me. I hired an attorney and received a slight reimbursement from the school : enough to pay my attorney bills. It then took me 6 months to find a job at XXXX XXXX. One year later ( XX/XX/XXXX ) I was part of a mass layoff, from which XXXX XXXX closed. Again it took me over 8 months to find a job. My next job was XXXX XXXX, for whom I worked for 2 years and then part of a mass layoff. This put me on unemployment for another 8 months ( XX/XX/XXXX ). In XX/XX/XXXX I was contacted by Navient and informed that my new monthly payment was over {$850.00} and that I faced wage garnishment. I filed a complaint with the Consumer Protection Bureau a ended up having my loans consolidated for a monthly payment of {$480.00}. This is still above my means. Due to hardship from divorce I have been placed on forbearance multiple times in XX/XX/XXXX& XX/XX/XXXX. I have just now learned of the Navient lawsuit and am shocked to learn that there were options other than forbearance. I have been paying my loans for years a now owe $ XXXX : my initial loan amount was $ XXXX. 

If there is anything that can be done to help me with this horrible lender for a degree I could not finish because the DOE and XXXX XXXX refused to address my original compliance issues that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: DISCOVER BANK
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover refuses to abide by the law and verify debt they claim is owed. 
This erroneous information is breaking the Fair reporting Credit Act. 

On XX/XX/2021, I sent a 609 dispute letter to the credit bureaus and Discover to verify debt. Specifically, requesting " physical verification of the original signed consumer contract ''. Again in this letter it states, " an original Consumer Contract with my Signature on it ''. 
In response on XXXX XXXX, 2021, Discover chose to blatantly ignore my requests for a contract or signature and sent a letter stating when this card was allegedly opened and an address of public information without any verification of debt belonging to me. 
I sent a Fail to Validate letter stating this fails to meet the Federal Trade Commissions guidelines in which I outlined in the letter and again requested verification. 
On XX/XX/2021, I was sent a degrading letter again ignoring my request to validate that " We previously communicated to you the result of our investigation ''. Then, the 2nd page requested my social security number and birth date which they would have if this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied to New York State Homeowner Assistance Fund, the program provides financial assistance to homeowners behind in their mortgage up to $ XXXX. NYS Homeowner assistance has not received a response from Citizen Bank, my mortgage servicer. If Citizen bank does not get a response from Citizen Bank, how are they supposed to be able to find available solutions like modifications on my behalf. 

New York State Assistance has been trying to get in touch with Citizen Bank since XX/XX/2022. Today, XX/XX/2022, I received a foreclosure notice from Citizen Bank. Mortgage rates have gone drastically up since NYS first reached out to Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
I would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to XXXX XXXX XXXX ATTN : Credit Dispute Team, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an XXXX consumer. 

Ive submitted disputes with the bureaus as told by XXXX XXXX and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a XXXX XXXX customer service representative. Look back at my calls, notes from XXXX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day. 


This what I submitted to 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