BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Previously a victim of identity theft, as a result account with Discover Financial Services was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, Discover is still pursuing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On multiple occasions, I have contacted FiFtH Third Bank and explained to them on the loan 's maturity date and that I have never missed a payment on the XXXX XXXX. I was told that they inherited the loan from the original loan agency that I purchased the vehicle from. Fifth Third Bank told me that forced placed insurance was added to the original loan and so that is why the loan was not paid off. I explained to them that I have always had my own insurance on the vehicle. They asked for proof from my insurance company and gave me an email to send the documentation. I emailed the statement from my insurance company that proved that I had insurance on the vehicle thus no forced placement was needed and the cost, fees, and any interest acrued should be removed from the loan. I have gone round and round talking to several different representatives yet there is no-follow up on their part and every time I explain this it appears I am explaining it for the first time and they tell me to send the documentation of which has already been done. I asked for a statement of all of my payments since the inception of the original loan and Fifth Third said they would send it three times yet I have not received this statement/documentation. One representative said, they would contact the original lien holder and get the statements from the start of the loan because First Third only had information starting in the fall of 2018 when they took over the loan. I am refusing to pay anything else as I have paid for the vehicle in full and have NEVER missed a payment. Again, I already had insurance through my personal vehicle insurance provider and proof was sent. Please help!!! Fifth Third Bank is running a SCAM and they keep giving me the run-around and refuse to provide me my title for the paid vehicle. I HAD NO KNOWLEDGE THAT FORCED PLACED INSURANCE WAS PLACED ON THE VEHICLE. THERE WAS NO LEGITIMATE REASON FOR THEM TO PLACE IT ON THE VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I paid all outstanding balances on my account ending in XXXX to XXXX XXXX XXXX. On XX/XX/2020, I closed my account ending in XXXX with XXXX XXXX. 

I no longer have outstanding balances, as I paid those at the time my account was closed. My bank statement shows that an amounts of {$30.00} and {$75.00} on XX/XX/2020, {$21.00} on XX/XX/2020, and {$25.00} XX/XX/2020 were withdrawn from my Chase Checking account on behalf of XXXX XXXX XXXX. 

I contacted XXXX XXXX in XXXX, and was told no charges to my bank account have been made on behalf of XXXX XXXX. XX/XX/2020, I sent an email to XXXX to file billing fraud, and demanding to have these charges refunded. XX/XX/2020, I received a response via mail. No resolution was made other than they would remove me from their contact list, close my account, and I had made a purchase with my card on XX/XX/2020 for {$42.00} with my XXXX XXXX card. 

XX/XX/2020, I contacted XXXX XXXX to inquire about the balance on my account, and was told that I had no outstanding charged. I then contacted Chase Bank via phone to dispute these charges, and file a fraud claims. A representative at Chase Bank stated that I made automatic payments via my Chase checking account. I was told my claim would be denied. It should be noted that I do not have reoccurring payments set up on my Chase Accounts. 

XXXX XXXX XXXX  is not holding itself accountable for erroneously charging its borrowers, such as myself. I believe that XXXX XXXX is manipulating accounts. I am requesting to receive assistance in having this issue resolved, as I have exhausted all possible ways to address this issue with XXXX XXXX and Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a credit card debt that went into collections in 2016. The account was recently purchased by a debt buyer Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX. They are now Re parking old debt on my credit reports as new debt which is an illegal practice. I have been trying to dispute this information with the credit bureaus which will not help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
It is my belief that I have been overcharged by Lexus of XXXX XXXX XXXX on the lease agreement for the following charges : annual percentage rate, fees, taxes, or other charges. I am also in the belief that Lexus Financial Inc is aware of the XXXX XXXX Lexus Dealership deceptive practices. 

I, XXXX XXXX, leased a XXXX  XXXX XXXX XXXX from your dealership on XX/XX/2021. 

Since the day of the purchase, I have raised some concerns to the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial over my buyers order and lease agreement. It is my argument that the sales manager and/or finance manager has increased some amounts on my lease agreement to generate a $ XXXX monthly payment. They have refused to address my argument that my monthly payments on the lease should be lower. 

In my discussions with the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial Inc, I questioned them about the following charges on the buyers order and lease agreement, A. The optional item ( nitrogen in the tires ) even after I requested that they remove this charge. The sales manager stated that he could not remove this charge because it was a required charge ; B. Why the finance manager tried to trick me into opting into arbitration after I had opted out ; C. Being charged for additional county sales taxes that are not in the amounts required by state and local law ; D. Being charged an exorbitantly amount for the rent charge and ; E. Stated to me that the money factor was 0.00020, but charged a different rate ; F. They refused to tell or show me how they calculated the amounts shown on the lease agreement by stating that these were Lexus Financial charges that they have nothing to do with. 

It is my belief that the XXXX XXXX XXXX Dealer, General Manager and Lexus Financial have discriminated against me in the leasing of XXXX XXXX XXXX XXXX, based on my race and age. 

I was shown a lease agreement similar to the vehicle I leased ; whereas this individual was given more incentives and paid less taxes and fees on their vehicle. I was told that the XXXXd Lexus dealership had nothing to do with the lease agreements. I was told that Lexus Financial Inc completed the lease agreements. 

In my conversation with Lexus Financial Inc about the information on the lease agreement, I was told that Lexus Financial Inc dont have anything to do with completing the lease agreements from the dealership. It was stated that they only purchase the lease agreements from the various dealers. 

I feel that Lexis Financial Inc and XXXX XXXX Lexus Dealership has violated the FTC, the Truth in Lending Act and the Equal Credit Opportunity Act by misrepresenting the cost of my lease, the fees and taxes charged and charge for the optional nitrogen in the tire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX CRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I sent money to my friend, XXXX XXXX XXXX, via Venmo in the amount of {$210.00}. I accidentally sent it via Venmo, after forgetting that my friend asked me to send it via a different money transfer service. My friend did not disclose to me that he had a negative balance in his Venmo account. 

I later attempted to contact Venmo to request this money back. They advised that my friend would need to contact Venmo to request to send this money back. My friend contacted them and told them that he did not know me and stated that the did not wish to accept those funds. Venmo later told him that because he had a negative balance in his account, they would. I advised him not to say that but I am not responsible for what he chose to say. 

After my friend contacted Venmo, I contacted them again and they continued to state that they can not reverse the payment. I find it difficult to believe that there is mechanism in place to safeguard a consumer 's money when this type of situation occurs. Although I understand that if my friend did have a debt with Venmo and any amount collected would be used for that purpose, if I erroneously sent the payment to this account, there must be someway to request this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan for the sum of XXXX from Bank of America Tue, XX/XX/2020. At the time of application, I was discouraged from applying by the loan officer before gathering all of my information - Which prompted me to seek another loan officer in my local area. 

I submitted all of my information and was exposed to significant unexplained delays. Although my application was qualified by several other banks for an unknown reason this bank did not approve my application and failed to notify me of the exact reason and did not provide me the opportunity to address any addressable issue. I wrote the following letter on XX/XX/XXXX and did not receive any clear explanation in response. 

Good morning XXXX XXXX, I am writing to request a detailed letter of explanation regarding why my mortgage loan application for the purchase of XXXX XXXX XXXX, XXXX, New Jersey, with a purchase price of {$500000.00}, with a mortgage from Bank of America, Loan Number # XXXX in the amount of {$470000.00} was denied. 

I was requested and was promised this information by XXXX, the primary mortgage loan officer, over two 2 weeks ago. However, to date, I have not received the said information. 

I request that this matter be treated with the highest degree of urgency. 

Thank you in advance. 

Regards, I was significantly disadvantaged by this transaction and feel like I was not given an equal credit opportunity by BOA

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 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One Case #.. XXXX Account Number... XXXX Date of transaction. .XX/XX/XXXX Merchant........ XXXX Merchant website... XXXX Disputed Amount.... {$460.00} Todays Date..... XX/XX/XXXX I am senior citizen and a veteran of the XXXX XXXX XXXX. I believe that I have been the victim of consumer fraud or at best highly deceptive business practices. 

On XX/XX/XXXX I ordered a product called " XXXX XXXX XXXX XXXX  '' from a website called XXXX/. The order number is # XXXX costing {$460.00}. The product failed to perform as advertised and was returned per instructions from XXXX customer service. The return was mailed on XX/XX/XXXX for a shipping cost of {$33.00}. 

The XXXX  transaction appeared on my Capital One credit card statement. On XX/XX/XXXX a dispute for {$460.00} was submitted with Capital One. At that point I had not heard from the XXXX merchant  regarding the return. 

I have requested a refund totally exactly what I paid to the XXXX merchant  of {$460.00}. The merchant  has refused to refund that amount. The merchant  would have you believe that I would spend {$33.00} to return a working device. That is ludicrous. This is exactly the self-serving claim one would expect from a deceptive merchant. The device was defective, and if not, then their advertising is fraudulent. This is cheaply made device that only runs on two batteries. 

Allow me to quote from the XXXX website as follows : " For four years we have set a benchmark for reliability, safety and excellence in XXXX  equipment. All products come with a 30 day money-back policy and one year warranty against defects. '' I submitted the Capital One dispute in good faith for just cause. Yet here I am four months later and I am out-of-pocket {$500.00} ( {$460.00} + {$33.00} ) and I have absolutely nothing to show for it except for endless calls to Capital One. 

Per the request of Capital One, I have provided them with many documents multiple times. I will attempt to attach those documents. In XXXX I provided Capital One with the 3-page dispute information form which they sent to me. I completed and mailed that form to their return address provided on the envelope which was : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. XXXX. Additionally, nine supporting documents were uploaded to Capital One with the following upload reference number : XXXX. 

Finally, after many months on XX/XX/XXXX I received a letter from Capital One stating that the case was closed because they lack information. As a result I am still seeking a refund of the disputed amount. 

-- -end of comments -- -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: Security Credit Services, LLC
State: OK
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:
Security credit services sent my account to XXXX XXXX and XXXX for collection, the amount they sued me for was {$2200.00} after court the amount increased to {$3000.00} for attorney fees, court costs.. However I've paid on this account and my balance is {$400.00}, on my report is shows a balance of {$2300.00}. I have called them several times to fix my report, all they do is say you owe {$2300.00} and transfer me to XXXX  XXXX and XXXX, when I call them they tell me I don't owe that much and they don't report to the credit bureau and that I have to contact SCS, it just keeps going back and forth. every time I make a payment my balance should decrease and it hasn't. it stays the same. I sent a dispute to XXXX  on XX/XX/XXXX, they contacted Security credit services but they only reported {$50.00} what about the {$1800.00} I paid? if my balance started at XXXX how is it XXXX? especially with me making payments each month. I'm ready to pay this account off but i need accurate information on my report, this is hurting my credit score. I have receipts of payments and my balance. They need to fix this issue now or remove the account completely for reporting wrong information on my credit report. this is on all 3 credit reports, I need all my reports updated with correct information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, I was charged for a premium membership to access my credit report by Experian. I never agreed to such a membership. I signed up for a free credit report and that was it. I contacted Experian and they were not willing to help with my dispute.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
all 3 credit bureaus are reporting a medical debt that has been resolved from XXXX in the amount oof XXXX $ the debt has been paid and collection agency promised to remove

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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One has repeatedly ignored my pleas for help regarding 2 Capital One accounts opened in XX/XX/2015 fraudulently. I was a victim of Identity Theft in XX/XX/2015. Capital One was notified of this matter numerous times and simply ignored the fact of my circumstances and continued to report these cards as belonging to me. One card has a balance of XXXX opened on XX/XX/2015 and another card has a balance of XXXX opened on XX/XX/2015. A individual was identified as committing the identity theft with those accounts but Capital One did nothing to pursue the theft but refuse to help and continue reporting these accounts as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ECMC GROUP, INC.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have previous sent a complaint regarding ECMCXXXX XXXX and now including XXXX XXXX XXXX XXXX contact at XXXX. I filed originally with CFPB last fall because XXXX XXXX XXXX illegally sent my loans to collections while I was XXXX stating " They had sent me notice that my economic hardship had been denied. '' I asked to which address they sent that information ( Knowing very well I was homeless and had no address ) they said they could n't give me this information. So ECMC is still continuing to contact me. I had told them to stop contacting me previously while i was contesting the loan being sent to collections. They have not stopped calling they call daily. XXXX XXXX XXXX called me at my work on behalf of XXXX. I HAVE NEVER OFFERED OR GIVEN THIS NUMER TO ANYONE NOR HAVE I EVER GRANTED PERMISSION TO CONTACT ME AT THIS NUMBER!!! I can not believe this is happening! I have {$55000.00} in student loans in good standing and XXXX XXXX and their blood hounds are harassing me for {$2000.00}. I should have been included in the class action law suite against XXXX XXXX and XXXX that happened at the beginning of the year. Reading the description of what happened in the suite I qualify to have my loans removed.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, XXXX, and Transunion that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.

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