BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I received an email regarding assistance for NFCU customers affected by Hurricane Florence. I visited the website and read the ad. Since we lost everything in the Hurricane, I called. We have insurance but we don't know how long it will take to get funds. For the time being we are staying with family and hotel rooms. 

The rep takes me through the loan process and then asks which account to deposit the money into. Next she informs me of the interest rate and monthly payment. I began to very hopeful. Next she tells me I am denied due to my credit. 

Why would they take someone through that process who is already distraught. Their ad seemed to be a humanitarian effort. However, it is a marketing ploy for monetary gains. Making money on someone else 's misery. Humanitarians are those who get down in the trenches and help. They rebuild the community by starting with people who were affected by the tragedy. Because they know that without the community their business will fail. So they build the community up not only for monetary gains but so that they can say we were there in that moment not just for our customers but for the community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I sent in a payoff check to capital one auto because I refinanced my vehicle with XXXX XXXX. I sent the check on XX/XX/XXXX for {$10000.00} via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. I confirmed that they received the check on XX/XX/XXXX via tracking number that was given to me and it showed that they signed for it however it has not been cashed. I've contacted capital one daily in regards to this matter. Capital one also confirmed via tracking number provided XXXX that they received it but still cant tell me where the check went. They then instructed me to do a stop payment on the check and have the bank reissue the check. Before doing so they also advised that since it was lost by them it will be backdated to XX/XX/XXXX when they received the first check. I did as I was instructed and when I spoke to a rep on XX/XX/XXXX they stated that the payoff will not be backed and I have to pay additional interest because the check that I sent wasn't a payoff check. The rep still couldn't explain where the check went or why it wasn't cashed and is blaming me for their mistake at this point. I just sent a new check on XX/XX/XXXX after waiting 2 weeks for them to cash this check and I causing a hardship because my credit was impacted due to 2 loans being opened. I'm in the process of buying a house and this issue is causing problems with closing on the home. I beg of you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Thrift Investment Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I made a {$5000.00} down payment for a XXXX.A total of {$5500.00} was financed by Thrift Investment Corp to complete the payment for the car.I began making regular monthly payments of {$210.00} to Thrift Investment from XX/XX/XXXX to date. 
Thrift Investment report on my credit indicated that my account was opened on XX/XX/XXXX, which is inaccurate. 
Last year ( XXXX ), Thrift Investment reported that my account payment was 30 days past due/ late three times in the months of XXXX, XXXX and XXXX.I have records of the 12 payments I made last year.The past due amount stated on my recent credit report is $ XXXX.I have made 2 payments of {$210.00} this month ( XX/XX/XXXX ) already, which are not reflected on my credit report.I have called Thrift Investment to resolve these issues, all to no avail, instead Thrift Investment takes pleasure in sending me embarrassing threatening texts to repossess my car.This is a calculated attempt to tarnish my good credit history with inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account resolution XXXX/2022
XXXX XXXX XXXX XXXX in XXXX/2022
XXXX XXXX XXXX XXXX/2021
XXXX XXXX XXXX XXXX/2021
XXXX XXXX XXXX XXXX/2022
cXXXX XXXX XXXX XXXX XXXX/2022 
coXXXX XXXX/2022
XXXX XXXX XXXX XXXX/2021
XXXX XXXX/2022
nXXXX XXXX XXXX XXXX/2022
XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022

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 2020-11-22
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Equifax, sent them a copy off this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Grant & Weber
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: Public record information inaccurate

Complaint:
I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named Grant & Weber in XXXX California. I have called to XXXX and disputed the information. I also placed a call to Grant & Weber on Monday the XXXX of XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions 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.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND EXPERIAN. XXXX XXXX XXXX IS REPORTING I HAVE AN OBLIGATION TO PAY THEM {$3300.00}. THIS CONTRACT WAS CANCELLED I HAVE NO CONTRACT WITH XXXX XXXX XXXX. I HAVE ASKED XXXX XXXX FOR VERIFACTION OF A CONTRACT WITH MY SIGNATURE AND THEY PROVIDED A COPY OF THE TIME I ATTEND XXXX XXXX. I HAVE WRITTEN XXXX XXXX ON SEVERAL OCASSION DISPUTING THIS DEBT AND THE NEGATIVE INFORMATION THEY REPORT TO MY CREDIT FILE. FCRA SECTION 623 AND FDCPA SECTION807 ( 8 ) WHICH STATE THAT XXXX XXXX XXXX HAS A DUTY TO REPORT TO THE BUREAU THAT THE ACCOUNT IS BEING DISPUTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
my car was repo for being 4 weeks being. I just had my car painted, new tires, new, bumper and more. The repo company drug my car out of my yard not only damaging my car but leaving marks and damage piece of my yard where it looks as if they hit the curve while removing my car. You can see in the pictures below the evidence and also the paint from my car.Now my car is also having an hard time switching gear.

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 2019-09-27
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Late XX/XX/2019 Requested via phone to transfer payment from an existing payment account to a different account ( joint account shared with myself and my husband ). Received letter on XX/XX/2019 from Chase that automatic payments for the old account had been canceled and new autopay could be set up again in a few days.

XX/XX/2019 Submitted payment online using new bank account.

XX/XX/2019 Payment was rejected.

XX/XX/2019 Made payment via phone, confirmation # XXXX. Explained during this call that the rejection issue was on Chases side and that I had received nothing from my bank ( XXXX XXXX XXXX XXXX ) indicating that a draft had been attempted and rejected. 

XX/XX/2019 Payment was rejected.

XX/XX/2019 Called pay from bank ( XXXX XXXX XXXX XXXX ), they confirmed that no draft had been attempted by Chase. 

XX/XX/2019 Made payment via phone with old account. Confirmation # XXXX XX/XX/2019 Submitted payment online using new bank account.XX/XX/2019 Payment was rejected.

XX/XX/2019 Called Chase inquiring why payment was rejected again. Again, I explained that the problem was not with my bank, XXXX XXXX. Was told that they would look into and call me back. 

XX/XX/2019 Chase called when I was unavailable.

XX/XX/2019 Called Chase asking for update on case. Was told person managing was unavailable and that I would be contacted with information regarding a call review Told that the person managing the case would call me back on XX/XX/2019 between XXXX CDT. 

XX/XX/2019 Chase called me back at XXXX when I was unavailable.

XX/XX/2019 Called Chase asking for an update on case. Was told that the problem ( dating back to XX/XX/2019 ) was the result of an agent error they didnt enter the checking account number correctly - 9 digits instead of 10 - and therefore it was rejected. I reminded them that I had called AND submitted payment online several times AND had confirmed the account number with various people at Chase, in total at least 6 times over the course of the last two months. Provided account information for XX/XX/XXXX payment and was told it would post within 48 hours. Confirmation # XXXX. Asked what Chase planned to do to compensate me for my time. After being put on hold, was told that Chase would waive the late fees for XX/XX/2019. Informed them that this was insulting given the issue was caused by them.

XX/XX/2019 Payment appears to have posted. Late fee assessed onXX/XX/2019 remains.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Made full payment of credit card, closed account and canceled card with Citi Diamond Preferred MasterCard by telephone on XX/XX/XXXX to customer service at XXXX and authorized my XXXX Bank to approve this final payment. After checking my credit reports at the end of the year, I discovered that Citi had charged me {$2.00} in interest plus {$120.00} in delinquent fees. After calling customer service, I felt intimidated to pay this amount and clear the records again on this closed account ; therefore, I again paid by telephone authorization this full amount of {$120.00} on XX/XX/XXXX. Now I have received an email informing me that I owe an additional {$1.00} due by XX/XX/XXXX. I have never been late on my payments until trying to close this account with Citi. I feel this is a fraudulent abuse of our terms of agreement to pay-off this account and unfair practice of applying delinquent fees. I request that Citi refund this payment of {$120.00}, rescind this latest charge of {$1.00} and remove all negative false statements to the three credit reporting agencies. Furthermore, Citi should provide a written statement to me confirming their actions in this matter. Thanks for your help.

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 2020-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
My credit score should be XXXX at all three credit reporting agencies I feel I am being discriminated against because I am XXXX American.. I want a full investigation into all three credit reporting agencies.

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 2019-09-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An elderly XXXX man who did yard work for me for years and was the helper of a deceased man who did home improvements for me has asked me for money and I have granted him the money because he is a friend. After paying exorbitant fees to XXXX, along with XXXX  XXXX XXXX 's additional fees because these are " cash '' transactions, I decided to revise the man 's checking account with Wells Fargo to include me so that I could quickly move cash into his ( and now my XXXX Wells Fargo checking account. Normally these transactions take 3 business days. The XXXX man, whose deceased wife handled the family financial transactions, was always low on available funds for rent and food. The joint account was established in XX/XX/2019. Months of small grants from me to him proceeded smoothly. I never withdrew money from his account. All deposits were electronic. No checks. In a conversation with my financial adviser she said the arrangement was stupid since I am retired and plan to live a very long time. I closed a separate checking account that I opened at the same time as the aforementioned joint account. I told the XXXX man that I was no longer going to be able to help him. Beginning XX/XX/2019, person or persons unknown deposited fraudulent checks totaling {$21000.00}. Wells Fargo did not wait for the checks to clear. Wells Fargo happily handed cash to whoever was depositing the checks. I reported this several times to the financial institution. They refused to remove me from the joint account without the XXXX man being present at the branch. He was, at the time, in the hospital. Today I received a letter from Wells Fargo threatening to ruin my credit rating if I, personally, did not pay {$21000.00} to Wells Fargo. They also intend to close the joint account effective XX/XX/2019. Wells Fargo could have but did not use due diligence with these multiple checks that turned out to be fraudulent. I have retained counsel.

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 2018-07-16
Company: Experian Information Solutions 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 recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX  Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2021-11-29
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently received a credit report for years XXXX through XXXX from your credit reporting company. 

1 ) You have two apartments listed at the same location, I never owned an apartment at the following address : Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX 2 ) I never owned an apartment at : XXXX XXXX at XXXX, XXXX, TX XXXX 3 ) You have several names on this report to which causes concern, I have never signed my name to any document as : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or 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 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I purchased a American Express Serve Card from XXXX in XXXX, MI and loaded {$500.00} at XXXX. I was unable to register the card for 6 hours as I called the AE Serve customer service at XXXX I was able to activate the card and I found out that my {$500.00} was taken out of my card by someone with the name of XXXX XXXX XXXX XXXX XXXX account in New York at XXXX the same day XX/XX/2021. I have never used this card, I have spoke to six representatives to find out how I can get my money back. The fraud protection at AE Serve stated they can not reverse, stop payment or cancel the transaction, they have to let the transaction go through it will take 7-10 business days to investigate and there is a hold on a online purchase from this person in the amount of {$490.00} and {$0.00}. I have no idea how a non activated card that has not been registered was able to have {$500.00} removed from the card. I am furious and American Express customer service and fraud protection department will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Aldridge PIte Haan, LLP
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 had an auto loan through XXXX XXXX which became delinquent. I paid off the debt after repossession through their lawyer Aldridge Pite Haan. They reported to XXXX  and XXXX that the balance was XXXX. However for some reason they reported to XXXX  that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.

Company response to consumer: Closed with explanation