BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
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: Personal information incorrect

Complaint:
I have contacted Transunion concerning information on my credit report # XXXX. 

My personal information concerning my address is incorrect and I have contacted Transunion multiple times to have this information corrected and ands deleted where applicable. The number is also inaccurate and never been associated with me. 

The following addresses are being reported incorrectly : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XX/XX/XXXX ( as my utility bill shows this is incorrect I have never lived here ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX ( This address is missing my apartment number XXXX ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( This address as per my driver 's license was a previous address ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date XXXX XX/XX/XXXX ( This address is not mine or associated with any account being reported on my credit report ) Other Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( not an XXXX I have ever been associated with or any accounts I have ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX XXXX incorrect apartment number ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Reported XX/XX/XXXX ( incorrect apartment number ) Phone Number ( XXXX ) XXXX Those attempts have been unsuccessful despite me provding a copy of my social security number, driver 's license and utility bill where I currently reside.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am moving to XXXX, VA, soon and was apartment hunting. I found an ad on XXXX for a unit so I reached out about the availability and eventually signed a lease. Since I signed a lease, I thought everything at this point was fine and legitimate, I've done this sort of apartment hunting before and never had any issues. I signed a lease on XX/XX/2021, and sent over {$1700.00} via XXXX for the security deposit and first month 's rent. On XX/XX/XXXX, I inquired when the keys would be sent to me and I was asked to pay the second month 's rent as a precaution, which didn't seem like a big deal to me, considering the keys were supposedly being sent across the country. After I sent over the second month 's rent, another {$1200.00}, my " landlord '' has gone completely silent and now I'm out of this money. Whoever I was in touch with is pretending to be the owner of the unit and is stealing someone's identity in the process. I am now out {$2900.00} and I have no way of getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took a loan out for {$1200.00} have paid back {$1200.00} before Loan was due on XX/XX/XXXX. Balance has not gone down and still shows 12 payments of {$450.00} due every month. Have asked company for loan docs, asked why Loan balance hasnt reflected the {$1200.00} payment and what the payoff balance is. They will not work with me or show my loan as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-06-17
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity does not provide automatic payments for its XXXX credit card. Providing a means for automatic payment is the norm for online payment systems, and users assume the feature is available from all companies. As such, to not provide such a service is a tactic to collect fees for late payment since users are particularly susceptible given the deviation from common trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 Diversified Consultant reported a negative comment on my credit report of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Kia Motor Finance took two payments this month from my bank account. I called customer service because of the error by Kia. At first they were fine in reversing the payment ; however they said they would mail me a check in 10 days. I asked if their was some way to expedite it and if they could include the cost for the NSF fee my bank may charge. The initial person basically ignored my request and just restated i would get a check in 10 days. So i asked to speak to a supervisor. This is where the problem began. The supervisor. I believe her name was XXXX said she would not do anything because they were not responsible for bank fees and seemed to insinuate she would not refund the payment to me. She then tried to blame me saying the reason it came out twice was because I made a payment then set up auto pay which came out on the XXXX. However their own website said my auto pay was set to begin on XXXX/XXXX/XXXX. When I asked her why she just continued to blame me. Not only do I know I did not set up auto pay to start on XXXX Kia Fiances own website confirmed it was not set up that way. Not only did she threaten to not refund the payment but when I asked her for her full name she refused. I asked for the name of the previous person and her answer was imply " no '', and when I asked to speak to her supervisor her answer was again " no ''. Then I asked to be transferred to the complaint department and she transferred me to a totally unrelated department that when they answered told me they were the wrong department. This is a major Reg E violation. Not only did they not help but the manipulated the facts to shift responsibility the customer service supervisor should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Village Capital & Investment LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Village Capital is giving me the run around about my escrow refund check. Pay in full date was XXXX and its passed the 20 day mandatory day to have escrow refund balance delivered. 

Im getting lied to be reps or giving misinformation. 1 is telling me the check was sent XX/XX/16, the other is telling me it was removed from my escrow on XX/XX/16 only and a check wasnt sent yet. 

I keep trying to get a supervisor or someone else to speak to but every time I call for help I get the same person ( XXXX ) who is rude and does not help me at all to even attempt to track down the XXXX they owe me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 I checked my credit report and I found that Credit Collection Services was reporting an account on my report. This account reports that I owe them {$500.00}. I sent them an Affidavit with very specific request as to verification on this alleged debt. The received my letter on XX/XX/2021 via certified mail ( tracking # XXXX. ) Credit Collection Services responded by sending me a printout of a billing statement. On XX/XX/2021 ( tracking # XXXX ) I sent them another Affidavit with an opportunity to cure, in case they were remiss in responding to the first letter I sent. Credit Collection Services responded with a dunning letter, again ignoring my very specific request for verification. On XX/XX/2021 ( tracking # XXXX ) Credit Collection Services received another Affidavit requesting verification. Again Credit Collection Services sent the same dunning letter. At this point, Credit Collection Services are in default. Credit Collection Services has violated I am demanding that this account be permanently deleted from all of the major credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Discover sent unauthorized credit cards in my name to addresses that I haven't lived at to a fraudulent user that illegally used the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time Jefferson Capital has reported that I owe a debt to XXXX XXXX. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to Jefferson Capital System, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called chase bank multiple times, tried to access it online, and went into the bank on XX/XX/XXXX to request all of my bank statements for XXXX of my accounts from when my account open back in XX/XX/XXXX. I was told they can only go back 7 years. That is very unfair and misleading to me as a consumer to be told I can not access my statements from the day my account opened because they refuse to provide them to me. I dont understand why they are refusing to provide me statements I have a right to request and access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello I am disputing a account with Capital One. The reason is because on XX/XX/2019 i made a call to Capital One and they told me on call that my account was no longer open .They closed it with no notice or call. They told me the reason why they closed my account and they said because of a reverse payment caused by Fraud. The payment that made on XX/XX/2019was reverse. I feel that this matter needed to be taken care of with a notice or call before they closed my account. So the next step that I made was to contact XXXX my personal Bank account and told me that there was No Fraud Activity on my account. I return a call to Capital One to notify them that there was a mistake and that I needed my  account to be reopened. I spoke to a representative and she couldnt help me so I told her that i wanted to speak to the manager someone above and she also couldnt help me and said that they couldnt reopen my account. I feel that this situation Is a concern and needs to be taken care of immediately. I would like for my account to be reopen and continue paying for it like I have been doing. I am sending my proof of Documents to show that I have been paying on my Capital One account up to date. Please if any questions feel free to call or send me a notice of this concern and matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: STERLING JEWELERS, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX opened one or two credit accounts in my name by one or more of their store employees without my authorization or consent. The account ( s ) were opened at their XXXX store located at XXXX XXXX XXXX, XXXX, CT XXXX. The company was fined by the CFPB in the amount of XXXX XXXX for this type of behavior, their employees get you to apply to avoid charging you for services such as a watch fitting, they take your information and apply you for an account and state it is optional to open. However, it appears they in fact opened account ( s ) and they were used to make purchases which I did not authorize or make. I request these accounts removed from credit bureaus/collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Mr. Cooper Group Inc.
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Copper Mortgage underwriting practice caused me a financial hardship and damage to my quality of life. My FHA mortgage protection insurance included death of spouse, my husband passed away of XX/XX/2020. 
I'm XXXX  and have a XXXX, I tried numerous to contact Mr. Cooper regarding without acknowledgment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XX/XX/XXXXof this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XX/XX/2019for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.

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 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In the last week of XX/XX/2023 I received a pre approval from Capital One for a XXXX credit card. I applied for the card with my current information and was approved. I then received the card in the mail to the address I had applied with and activated my card using the telephone id applied from with the phone number Id put on my application. My card was already restricted when activated. Upon calling capital one multiple times I had 3 different supervisors verify my new number and unlock my card just to have it locked on the next purchase. I am a victim of XXXX  XXXX and all of my information is updated as I am hiding from my husband and trying to get my children and i to another state. I applied for this card with the intention of using it to aid in helping us make this possible. I do not have an id due to Covid and my appt with the California dmv isnt until next month. Capital one has promised that a specialist would be calling me every day since turning my card off the last time and still nothing. I dont understand how one supervisor can send me a text to my phone number, another supervisor can call me on my phone number, a fraud specialist can leave me a voicemail on my phone number, I can get a PIN number sent to the address on the application but its not able to be used to identify me and all of a sudden no one at capital one can use my phone number to verify my identity all tho iv done just that numerous times. If an ID card was needed to access my lien of credit then why would capital one not ask for it upon the initial application, before singing my credit report and sending me a card I can not use? I had to go they great links in order to even get this card safely and now Im back at square one. Had capital one conducted a proper procedure in the application process and asked my id when applying, I wouldnt have wasted my time or opportunity in getting this car and would have tried for a card thru another company with more honest practices and no hidden hoops to jump thru. This is now effecting mine and my children lives in a much larger and dangerous way then imaginable to all of the people at capital one that have misinformed me numerous times and all have different procedures and policies then the next agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: IN
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:
I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or Equifax either .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA

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 2019-06-17
Company: Simon PLC Attorneys & Counselors
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attorney XXXX XXXX is the representation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation