BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
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:
Theres a XXXX XXXX account on my credit that I did not open. Ive never had XXXX XXXX. Someone stole my information and had phone lines opened in my name and Im blaming XXXX for not checking identification. I had mail sent to my address regarding the lines so I emailed the company to tell them that was not me that opened the account and they never got back to me. Now I have an account I am not responsible for on my credit report because XXXX XXXX is reckless and do not ask for proper identification.

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 2022-09-01
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: Was not notified of investigation status or results

Complaint:
I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER

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 2022-09-01
Company: EdFinancial Services
State: CA
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:
I am currently entitled to a refund of {$6500.00} on the loans I paid for after XX/XX/2020 according to the CARES Act student legislation. I first emailed my loan servicer provider in the exact way that the student aid gov website recommended asking for a refund on XX/XX/XXXX. I figured they did not respond right away due to many students requesting for a refund currently so I went ahead and called them on XX/XX/XXXX. On the phone I was told that they would submit a refund request for me and I would receive my refund anywhere from 150-200 days and was also told there's a possibility I may not even get the refund. I was then expecting a confirmation email after for the refund request, but did not receive one. On XX/XX/XXXX Ed financial replied to my initial email that I had sent on XX/XX/XXXX saying they submitted a refund request for me. I found that hard to believe as I thought they had already submitted that request on XX/XX/XXXX for me during the phone call? And even if they are re- submitting a request for me, how are they doing that without first verifying my information? In the initial email I had sent them, all I had provided was my name! I think they just sent me a bogus email to shut me up. I'm getting suspicious of this loan service and I don't believe they are submitting a request for a refund on my behalf, I think they are trying to scam me. All other loan services have already refunded students their money back or at least sent them a confirmation email saying that the money will eventually return to the student, but this loan service failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX took {$10.00} {$80.00} {$100.00} from my account. And XXXX XXXX  took {$130.00}, {$42.00}, {$110.00}, {$36.00}. not only do I not know what XXXX XXXX  is when I tried to dispute these charges with credit karma they said disputes need made within 60 days of the statement month. However credit karma does not issue account statements. Furthermore no where in any of the things they send you about the account does it tell you about the alleged 60 day rule. They call questioning transactions at your local gas stations, but never about online transactions such as XXXX XXXX  and XXXX XXXXXXXX as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm filing a formal complaint against Capital One credit card I called Capital One last month at the end of last month pretending my payment is due in XX/XX/XXXX they did not tell me that if I make my payment on XX/XX/XXXX but I will have to make another payment for XX/XX/XXXX that information should not be correct on that making a double payment Capital One is giving out wrong information they 're trying to get over and they need to investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: WI
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:
equifax took more than 30 days with my disputes they did not investagate anything or update me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, To whom who may concern : my name is XXXX XXXX. I attended XXXX College and they took me in without asking me for my High School Diploma. I thought that was very wrong for them to do that. Also, they have never helped me find a job after I XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE 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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone had hit me and totaled my car. the insurance company bouhght the car and paid for the car the the XXXX XXXX XXXX and they are refusing to take my name of even though the car and title are out of my name for 2+ years.

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 2018-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed illegally by Capital One Auto Finance on XX/XX/2018 during the night. In fact without notice of late payments or warning of repossession, Capital One Auto Finance came and picked up my car in the drive way. I had appointment that morning and could not find my car. I was about to go to the police and let them know that my car was missing, when my friend advised me to call the bank, which I did. And I found that the car was repossessed. I tried to argue but I needed my car. I asked them the amount I owed them and they told me {$490.00}. They also told me that when I go to get my car I would have to pay {$35.00} storage fees. I did pay the amount due of {$490.00} on XX/XX/2018. I went to the Capital One local branch and my friend to another local branch to make the payments ( XXXX  and {$300.00} ) the same day. Capital One also told me as soon as I make the payments to the local branch to call them so that they could verify the payment and send an electronic message to the place where my car was stored. I did call them and was told to wait 10 minutes, before calling the XXXX XXXX. I called to get my car back, but could not get XXXX XXXX XXXX XXXX on line. They were close for the day. I went to XXXX where my car was stored, paid the {$35.00} on XX/XX/2018, after waiting for several hours in the cold, rain, and wind, because the car was not in XXXX, and was still in transit I was told. I received a certified mail from Capital One auto Finance on XX/XX/2018 around XXXX XXXX. It was a notice of Sale and Right to Reinstate & Redeem. I have received also the same day (  XX/XX/2018 ) the records of my payments that I have requested several weeks ago. 
On XX/XX/2018 I have received my bank statements, and strangely I found an unjustified Repossession fee assessed of {$370.00}. I called Capital One Auto Finance, and the first person I spoke to, told me that she could not see that amount on her screen of the computer. I was transferred to another person who told me that the fee was the storage fees. I told him that I do not agree, and this was an abusive fee, and we did argue. I told him that I am going to report this to the consumer Agency. 
My monthly payments is XXXX, I was told that I did not make a payments for 90 days ( XXXX x XXXX = {$730.00} ), which is not true, and I was asked to make a payment of {$490.00} to get my car back. 
My complaint is about illegal repossession of my car, and unjustified fee, and mistreatment. I am asking compensation for mistreatment and removal of unjustified fee. 
Please find included : 1/Vehicle Release statement 2/Payments made on Capital One branches and XXXX for storage fee 3/ Monthly statement 4/ Notice of Sale and Right & Redeem page 2 & 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-07-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX Chase Fraud Disputes Claim # XXXX Claim # XXXX  -On the morning of XX/XX/2018 my Chase debit card and phone were stolen while I was in New Orleans . My assumption is that they were stolen by a girl I had over to my room, but I have no way of verifying this. It

legitimately could have been gone earlier in the night. -My Chase account was completely drained of nearly {$4000.00} - my entire life savings. -I realized this when I woke up at my hotel in the mid XXXX. I went to get my phone to text & realized that it
, along with my debit card were nowhere to be found.

-My phone had no password & my pin along with other identifiable information were stored multiple places in it The purchases/ cash backs were as follows : # 1. XXXX XXXX XXXX XXXX XXXX  : {$7.00} purchase # 2. XXXX XXXX   # XXXX  : {$5.00} purchase + {$50.00} cash back # 3. XXXX XXXX  # XXXX : {$65.00} purchase + {$25.00} cash back # 4. XXXX XXXX XXXX : {$4.00} purchase + cash back {$100.00} # 5. XXXX XXXX XXXX # : {$10.00} purchase + {$100.00} cash back - Can not indefinitely say location based on information # 6. XXXX XXXX XXXX  Purchase : {$12.00} + {$100.00} cash back # 7. XXXX XXXX XXXX XXXX : {$17.00} purchase + {$100.00} cash back - Can not locate based on transaction information # 8. XXXX XXXX XXXX XXXX : {$500.00} purchase # 9. XXXX XXXX XXXX XXXX  : {$500.00} purchase # 10. XXXX XXXX XXXX XXXX XXXX : {$500.00} purchase # 11. XXXX XXXX XXXX XXXX : {$500.00} purchase + {$100.00} cash back And withdrawls of {$100.00}, {$100.00}, {$100.00}, {$400.00}, and {$400.00} -Chase has given me the timing of some of these transactions, which took place around XXXX-XXXX. The others I have not yet received information regarding.

-I was able to map these charges out via the transaction information and have found their locations to be scattered throughout the city of XXXX XXXX , in particular, along a major highway in the city. The transactions halted, of course, when my bank account ran out of funds.

-Additionally, Chase has informed me that they called my phone and sent a password via text to verify one of these transactions at the time of the occurrence. As stated previously, my phone was stolen. I am providing the receipt of the new phone in the documents section.

Chase has told me this case is closed, as I can not prove that these purchases were made by someone other than me. The only way I can get them to reopen the case is if I provide substantial evidence that it was not me- which takes a ton of time ( getting videos, police report, etc ) all while Chase has taken my entire life savings away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: NC
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:
XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.

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 2021-11-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Please see complaint XXXX After numerous attempts to have my monies returned, no communication from Chase, and no action, I disputed the charges with my bank and the monies were returned. I have now received a notice from Chase that I owe them the money that they unlawfully took from my checking account, without my permission, on an account in good standing with a XXXX balance. I contacted Chase on XX/XX/2021 at XXXX EST to report the issue once more and to explain the activity. After XXXX XXXX minutes on the telephone with XXXX different people, I was told that an administrative complaint was now processed and that someone would get back to me. Whether this is a truth in lending violation or just really irresponsible service, this is horrible and I am seeking some assistance please. Someone needs to hold this company responsible and a consideration of penalties should be exercised to the most restrictive extent. Chase should be embarrassed by such poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I applied for a home loan ; they were going to pull money out to fix the roof, cut the trees, and do general repair the are badly needed. The VA sent an appraiser out to my home that was here for like 5 minutes. He downgrades the property, which is insane ; the property is 7 miles for the ocean, and major upgrades have been made to the home. So, the loan process came to a complete halt, and I had to excellent another type of loan know I retired, so my income changed, and the only thing I qualified for was an eral VA loan. 
Under this program, there not income verification, so I qualified. I've made serious upgrades to the property, and new XXXX room, a laundry room, I furnished two XXXX rooms, 1. https : XXXX? XXXX & XXXX XXXX https : XXXX? XXXX & XXXX So, the XXXX takes months to go through months! So, I still paying the contractor for put the second XXXX  to I was told to be ready to make a payment in two months after the loan was approved, but I was not notified by any mortgage company giving you a 30-day window to be ready to pay a XXXX note. I'm in my car driving, and I received a text the I would be 30 days late on a mortgage payment! I did not receive a welcome packet or any correspondence at all. So, I called the text, and this was the new mortgage company notifying me on the XXXX of the month that my payment was supposed to end on the XXXX. The Company is Quicken Loans ROCKET Mortgage loan number XXXX. 
On and by the way, I'm as SUPERHOST on XXXX! 
I XXXX  as an XXXX  from the XXXX. I was checking the mail every day for my XXXX plates, which have not come yet, so I would have seen a letter or a packet that was not sent to me. This company lied out the gate and are treating different hero witch is just disrespectful, and anyone, let alone a veteran, should to treated in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Professional Debt Mediation, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated phone calls from a company called PDM, which I learned is a debt collection company. When I answer the person on the phone aggressively requests that I identify a person. I let them know on each occasion that I am not that person and I have asked them not to call me several times, including most recently when I called this company back today XX/XX/XXXX. I received calls on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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