BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Capital one credit card open currently in good standing. I just received an alert someone opened another card with capital One in my name and it is NOT ME. My credit score was lowered and it was denied and idk what or who did that?! I dont know what to do. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Sir, This is a on going problem with home point financial they continue to state I havent paid them and ruin my credit. I have screen shots of Home point yet again getting my check and cashing it then stating they never got a check or holding my check past the due date. 
In the attached example they sent me a bill and state I have never paid when I have the on time cashed check from my online bank account. They do this with many people. Please help fix my credit ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and the XXXX of these people are making it difficult to function for my children. Please help me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Exeter Finance Corp.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). 

I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. 

Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attached a copy of a police report for Identity Theft. This account is the result of Identity Theft and is causing me a lot of damage of my Credit Report. Please remove from my Credit Report. Please communicate in writing only and no phone calls please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CITIBANK, N.A.
State: HI
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:
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, THD/CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2020-05-13
Company: ID Analytics, Inc.
State: IA
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:
I applied for an auto loan. My info was sent to a lender who pulled my credit. They then pulled credit from a company called SageStream and my score was 200 points lower. I see many complaints online regarding this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had opened a financial Account through TD Bank , N.A . Months ago for a purchase with XXXX and had never activated or used the account. I called months ago to close the account and it is somehow still open. I am also still receiving letters in the mail regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.

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 2020-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Horrible customer service. Since opening a new business account in XX/XX/2020, I didn't feel my business was appreciated or wanted. In XX/XX/2020 I deposited a check in the amount of {$12000.00} form XXXX XXXX XXXX XXXX as a Third Party creditor to my now terminated business account. On my deposited slip it stated funds would be available in 10 days. However, after that time frame I checked my account for an update and was locked out my account.Chase failed to communicate or alert me of any issue prior to me contacting them. After an additional 7days it was brought to my attention, XXXX XXXX ( XXXX ) XXXX, one of the debtors whom signed the check failed to have XXXX XXXX XXXX # XXXX ( XXXX ) XXXX, also endorse the check. I asked that chase cancel the check to have XXXX XXXX reissue a new form of payment ; they stated the check had already cleared. During the duration of me communication with all parties to have XXXX electronically endorse or authorize payment Chase terminated bout my Checking and Saving account. Chase never communicated or sent notice of any actions being brought against me. When spoke with a representative she disclosed Chase reserved the right to not do business with anyone at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From the onset of Realtime Resolutions  has provided false and inaccurate billing statements. Despite paying the agreed amount on time Realtime Resolutions continues to send me billing which reflects that I am behind on payments which actually I am not. This is more than frustrating as this is the third complaint filed to have an official audit of my account. Realtime Resolutions has committed fraudulent acts by sending correspondence which reflects payment up to date. But billing statements from the past four months that indicate that I am delinquent on payments which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 've previously disputed two charges on my Capital One Credit Card in the amounts of XXXX and XXXX for merchandise I never received and I was assured by Capital One that the problem would be resolved. It 's been several weeks and the problem still persists and I 'm being rebilled for merchandise I never received. This is very disturbing and I want the matter resolved immediately. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX  XX/XX/2018 TD AUTO FINA Finance XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me 10 times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an available balance of {$2000.00}. They offered instant transfer. As soon as I did that, it was delayed by 72 hrs. Paypal falsely advertises the instant transfer but does not actually provide it. They always seem to have an excuse to inhibit access to your money. No inhibitions exist on money going into PayPal but always, Always exist on any attempt to take it out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with you, XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Twi workers from Continental Credit showed up at my house and made threats to my father.

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 2017-01-27
Company: Monarch Recovery Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: EQUIFAX, INC.
State: NV
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:
On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is against Wells Fargo Bank , NA, XXXX ( corporate capacity and/or trustee capacity - of an unidentified trust ), XXXX and XXXX. 
Documents recorded with false information, fictitious entities and incorrect information. No evidentiary support given. These documents were created specifically to foreclose and do not represent any valid underlying financial transaction. More information is attached in the exhibits, which include the body of the complaint and the recorded documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle was totaled on XX/XX/2013, I had insurance and GAP coverage for the loan, capital one did not provide the documentation in a timely manner to the insurance company and continued to accrue interest on the loan. The insurance was settled after capital one sent the documents over a year later and I am disputing the amount that was still remaining because the bank failed to send the documentation in a timely manner, and they do not want to remove the balance after being paid what was due on the loan at the time of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2020 XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2021-06-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I made a checking account deposit for a check in the amount of {$15000.00}. Funds were supposed to be available on XX/XX/18 as printed on the deposit slip. On XX/XX/18 I found out that my entire account was restricted when I went to Chase branch to cash a check. I could not access any of my funds in the account even what was available before I made the {$15000.00} deposit. I made several calls and spoke to the loss prevention team, also visited the branch and spoke to managers. There is no resolution at this time and my account is restricted. The reason for the restriction as they stated is an improper endorsement of the check, so I asked them to return the check so I can go back and get properly endorsed. It appears to me that the funds have already cleared and therefore Chase can not reverse the deposit and return the check. I also contacted the check issuer and was advised that the check indeed cleared their account. At this time Chase is holding entire funds on my account and not just {$15000.00} deposit. There is another deposit hold of {$2400.00} plus funds that were there before this happened. It is unfair that they are doing this, because I need the funds for my family expenses and to send kids back to school. It is causing a great hardship and is completely unreasonable. Please release the funds or return the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting that you remove Monterey financial aka XXXX funding off my credit report. I dont owe the debt. Monterey financial failed to follow the proper procedures for the fair credit reporting act. They are falsely alleging that I owe of {$6000.00}. The account was removed, then illegally put back on my report. They have filed delinquent unfair reporting to all three of my credit bureaus reports. Please have them remove these delinquent records from my credit reports as they have failed to follow the correct procedures in violation of thd fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation