BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX XXXX I started having financial troubles and as a result I fell behind on my payments with my car. I called Nissan Motor Acceptance and tried to set up arrangements to bring my account current. I was rudely told by the rep that " I should call back when I have the money '' It was also stated that not much help could be extended to me since this was a lease and the money was to be expected every month. 

XXXX XXXX, I was in a accident where the other car clipped the front end of my car and caused damage to the front bumper. I had to pay {$1000.00} deductible in order to get the car fixed. I tried to keep Nissan in the loop as much as possible. 

Any money I had I tried to put towards my past due balance. In XXXX XXXX the car was repossessed and I called Nissan trying to figure out what my next steps were. I was told that I had 15 days to come up with {$2500.00} or else the car would be sold at auction and I could participate in that. 

To date, I 've never received any Pre-repossession notices, post notices or notice of sale. 

As of XXXX XXXX, I had {$6300.00} remaining on my lease. After the fees from the repossession the balance became {$9800.00}. After doing a vin search I found out that the car was sold for {$12000.00}. 

Nissan Motor Acceptance has not followed certain rules under the Uniform Commercial Code. I was never given the opportunity to attend any private or public sale of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I received a letter in the mail ( dated XX/XX/2019 ) from a company called Franklin Collection Service , Inc claiming to have authority to collect a debt on behalf of XXXX for {$860.00}. I do not now, nor have I ever had an account with XXXX. I don't even have cable, but when I did have cable, it was through XXXX XXXX. I still use XXXX for internet service. Either this letter is fraudulent, or someone stole my identity to open an account. I have had no such correspondence with any other company and my credit report says no accounts have been open in my name for XXXX year so I suspect that this letter is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The card that was provided wasnt a credit card. The card was a debit card. XX/XX/2019 spoke to collections department. He stated the debit come in their system as a credit card. Which isnt the case. We called on XX/XX/2019 to enrolled in the program. Its not our fault their system stated its a credit card. We dont have credit cards. In the past we did talk to their customer advocate team and they never answer their phones. We had a person assigned to us name XXXX and she never return phone calls. The same number Navient provided we call before, which is XXXX. This company provided incorrect information to XXXX XXXX. Im willing to work with Navient. But different agents provided different answers. I would also like for the call on XX/XX/2019 to be pulled. Card ending with # XXXX was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
loan keep being extended. i tried ask why keep getting run around.i feel i paid extra 12 months when my loan contract said i would be done XX/XX/2016 i keep being charged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: NY
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 AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

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 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. On XXXX XXXX XXXX I was blocked by Capital One from accessing my account on-line. I am the first line of defense to identify any fraudulent activity on my credit card. However, now that Capital One has restricted my access to my account on-line I am unable to maintain my due diligence about my credit card activity. 

2. Over the past several years Capital One has wanted me to update my income, stating the reason for their request is to increase my credit limit. Since I do not want a credit limit increase, I have not updated my income information. I have kept my name, address, email, and phone number up-to-date. 

3. In the past, through Capital One 's tactics they have attempted to force me to provide that information by blocking my access to my account. I have been able to work around their obstruction to gain access to my account on-line -- until now. 

4. On XXXX XXXX XXXX Capital One implemented a new web page which requires me to update my income before I can access my account, again stating the information is needed in order to increase my credit limit. I called customer service and was told that was not the reason they are asking for the information, instead, that it is a federal government regulation/requirement that I provide an update to my income. They further threatened if I do not comply with their request Capital One can close my account. 

5. My account is current. Capital One always receives my payment well before the due date. Payment has never been late. I have an excellent credit rating. I am vigilant about checking my account for fraudulent activity. I am a model customer. 

6. Capital One 's ruse to gain this information smacks of the unethical business practices used by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a Capital One 360 account with the PLUS400 promotion code with the promise that if Ive made 2 direct deposits of {$250.00} or above in 60 days I would receive a bonus of {$400.00}. I changed my direct deposit to Capital One and have had several direct deposits that were over the {$250.00} minimum. I reached out to capital one several times about the bonus and was told that I would receive the bonus within 6-8 weeks of account open. On my last call to CO I was told I was n't eligible because I was not a " targeted '' customer. When applying for this account the criteria did NOT stipulate any such thing about being targeted. I followed the steps and requirements of this account and feel I should be awarded the promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: WELLS FARGO & COMPANY
State: SC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, 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:
After 2 submissions of disputes in regards to my identity theft and non action from the credit reporting agencies, I have no question but to submit this complaint as I have submitted everything according to there corporate policies and FCRA 605b. in regards to Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX I purchased an item via paypal, which several weeks later had not arrived, no communication from the seller as to why until I chased. I was finally informed that it was no longer available. On XX/XX/XXXX, I requested a lower priced different item be sent. On XX/XX/XXXX I was informed that a refund would be given for the price difference. This has never been done. Despite being provided with all correspondence in regards to this, Paypal has not done anything in regards to issuing me with a refund,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: TX
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 have been disputing XXXX XXXX XXXX on my report since XXXX and as a consumer I asked Equifax for method of verification to show this account was reporting 100 % accurate and they failed to provide that.. this agency is in violation because they furnished information relating to me the consumer that was inaccurate. I told them that this was inaccurate and they still continue to report this to my credit profile. this agency is in violation they were supposed to make sure the account was accurate before putting it on my credit report. That is illegal under FCRA LAWS therefore this must be removed. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply.I reached out to the creditor XXXX XXXX XXXX and recieved a letter for Equifax to delete this Account immediately off my report.XXXX  deleted this account months ago I dont know why its taking Equifax so long but its causing me so much stress and I just want this account off my credit reportEquifax continues to report this inaccurate information on my report and I know I have rights.I also filed a complaint with Attorney General as well. All I want is for this inaccurate account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company was very rude from the first time I spoke with them. I had just had my son and was currently on XXXX  leave. When I told them that I was just getting back to my normal that told me it wasnt there problem and I shouldve made better financial arrangements prior to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Bull City Financial 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: Account status incorrect

Complaint:
There is two delinquent accounts that are the same one.. XX/XX/XXXX for XXXX $ payment arrangements were made and they still sent it against my credit. Then XX/XX/XXXX they hit me again on the same account for XXXX $ please remove them from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: MI
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:
On XXXX XXXX, XXXX, I called XXXX XXXX concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the XXXX XXXX puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with XXXX XXXX and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

XXXX XXXX states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with XXXX XXXX but they are unfair when it comes to this concern. I have looked up XXXX XXXX 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
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:
Hi I have = Equifax credit bureau, plus = XXXX XXXX XXXX on = theft & fraud, Embezzlements acts on my credit reports, on Equifax I sent for the reports to be mailed 2 times, plus, called up to 4 times ordering my credit reports on = these crimes = never got any mail Docs, in mail at my moms house = this is from the groups that are stealing my mail, XXXX, calls, etc crimes = with my = DA, victims crime bureau case court trials, on Equifax theres lots of accounts please verify and collect my legal owed money on, plus Banking, On My = XXXX XXXX there is a major mess on a groups, XXXX & Thefts, Embezzlements, and XXXX XXXX XXXX, tradings, etc Up The walls on some group took over my full credit XXXX XXXX  and what am I to think about = clarity to XXXX XXXX Equifax, you have my permission to receive these Docs and Collect whats Legaly Owed, plus Banking will be sent separately Today, I do n't need a mess waiting on these financial losses from past to now please, legaly state with Co, XXXX Please all of them, speedy timing acts on all thankyou by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Bureaus did not properly investigate my account with CAPITAL ONE BANK USA N XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete. The date of the last activity does not reflect on the payment history too. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: GOLD KEY CREDIT, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After applying for a mortgage loan, I was notified that I had a medical collection being report by XXXX XXXX XXXX for XXXX. I reached out to the company, and they are stating this is a medical payment they received due to nonpayment, however, I have verified with my insurance provider that they made payment on this directly to the medical provider. I then requested the collection company provide me an affidavit of debt to verify they had legal rights to collect and I was the actually debtor. The associate at Gold key stated they did n't need that and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Every semester during my college years attended, I was required to apply for FAFSA, only to be denied. I was told the reasoning was because my parent 's made too much money for me to qualify, even though I was living on my own, paying for my own college, and filing my own taxes. I had no choice to be eligible for financial aid until after a certain age. I was forced to take out private loans for most of my college attendance, unaware of the exact price I would be expected to pay because every loan gives only an estimate when you apply. I either had the option to drop out and have nothing to show or continue to put myself in debt to finish my degree. I am almost out of school for 3 years after graduating in XXXX and have yet to find a job even remotely close to afford my private student loans. I have applied to hundreds of jobs within my degree field and no one these days wants to hire someone without 3-5 years experience. Companies have gotten lazy on willing to train new employees. Since my degree is in the XXXX field, I figured I would have no problem finding a job with decent salary-that has not been the case. I have been working in a XXXX, which I have done since before I even was in college. I can not find a job that pays better than what I currently make and besides lack of Sallie Mae is the WORST company between harassing me and people not associated with my loans. They have contacted my grandmother who has nothing to do with my loans, calling my parents and myself at our place of work and during non-business hours. I have received calls on weekends as well as early as XXXX and as late as XXXX. I feel I have been taken advantage of and even though I explain that I am working 40 hour weeks and still can not afford the payments they try to ask of me ( with all my lenders, totals over XXXX XXXXmonth ), they have ruined my credit and keep adding interest on my late fees. They refuse to help negotiate terms to make payments affordable and act like I 'm the bad person for not being able to afford their absurd repayment terms. The entire student loan system hurts the middle class. If my parents were n't so lucky to make what they do to survive, I would have gotten financial aid, yet if my parents were wealthy, they most likely would have paid for my college. Because I am a working individual with no kids and working to put myself through school, I get penalized for trying to get my education. It has been the biggest burden of my life and has made me regret going to college at all. My financial aid counselors were never helpful and I have had several during my attendance. Go to college, they said. You will find a great job only if you have a degree, they said. Well, THEY were wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Capital 360 account on the premises that I would receive a {$400.00} bonus. I called two times to ensure I qualified for the deposit, and each time I was told yes as long as I get my two {$250.00} direct deposits. I switched over my direct deposit to this company just on this reason. Now when I get both qualifying deposits, I am being told I will not get the bonus. This is deceptive practices because twice, representatives from Capital One assured me I would get the deposit. Now, a supervisor told me to XXXX and provide the link where i got the promotion code. Why is that burden being put on me? I do not remember where the code is and the code expired as ofXX/XX/XXXX. There is no way I can obtain this information! I will like the {$400.00} bonus that i put the XXXX code in for and was guaranteed to get by both representatives I spoke with.

Company response to consumer: Closed with explanation