BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Capital Accounts located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Capital Accounts has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a US Bank Silver Checking account XX/XX/XXXX-XX/XX/XXXX. 
Savings UsBank Package Money Market opened at same time, balance was {$0.00}. It wasn't utilized. 

Statement XX/XX/XXXX - XX/XX/XXXX *US Bank automatically enrollment in overdraft protection. 
- Overdraft Protection Law Violation *XX/XX/XXXX- XX/XX/XXXX Nine 7  fees associated to this violation and Overdraft Protection Law Statement XX/XX/XXXX - XX/XX/XXXX Four additional Overdraft fees XX/XX/XXXX - Closed account fee {$30.00} Total : {$340.00} + {$30.00} = {$370.00} {$370.00} Reported to XXXX XXXX XX/XX/XXXX US Bank automatically connected Savings with {$0.00} balance to Overdraft Protection. 

Overdrafts issued on ATM withdrawal. 

Remove me from XXXX XXXX immediately and pay any fines fees for Violations. 
Admit Fault. 
This has caused me tremendous damages.

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 2018-08-21
Company: American Acceptance Co., LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/XXXX my son purchased a car from XXXX in XXXX XXXX TN. He signed the papers, paid a {$200.00} down payment, and they gave him the keys. On XX/XX/XXXX they called and said they needed additional paperwork. They wanted cancelled checks off his employers account. He told them that he would try to get this but that he didn't know if he could. He talked to his employer and was told they would get them ad soon as they could, but it took time. The car lot continued to call daily for these papers. We had given them proof of income in the form of paystubs and they said that was good when he signed the contract. They never gave him copies of the contract and we had to call and argue to even find out who financed him. They say he was financed by XXXX XXXX XXXX. Finally, after not being able to satisfy their needs for proof of income, he returned his car. Upon returning the car they refused to give him his down payment back or copies of the papers he signed.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was hospitalized with a severe case of XXXX with resulted in me being in a XXXX. During this time I lost my new job and absolutely had no money. During this time capital one has reported me late on my credit report and am not willing to assist me. They want me to make a payment plan but this will still result in me being reported negatively, and no help with deferment of my past due charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: CT
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:
In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions 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 tried to dispute a past due amount and a incorrect balance showing on my Experian Report with XXXX account # XXXX regarding several times with no reponse.I have also requested from Experian over 12 times about Method of Verification under FCRA SECTION 611, which states a copy of any documents bearing my signature, to show that i have a legally binding contractual obligation to pay them the exact amount being claimed. 

I have sent several letters to XXXX XXXX XXXX, asking XXXX to provide validation regarding all account history data with my signature on it. NO RESPONSE

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 2018-08-21
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The contract I signed to borrow {$1200.00} says that if I make my payments as scheduled, I will have paid {$1400.00}. That is {$1200.00} + interest of {$25.00} + fees of {$170.00}. 
I have made 3 payments of {$220.00} on XX/XX/18, {$200.00} on XX/XX/18, & XXXX on XX/XX/18. 
They say I still owe {$1300.00}. {$1400.00} - ( {$200.00} + {$220.00} + {$280.00} ) = {$1400.00} - {$700.00} = {$750.00}. That is what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above

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 2019-10-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I have tried to contact both agencies without no information from either one of them no account number no account when it was open no count who opened it and when was it open when was it closed neither one of them talks to me I will give me any information thats my dilemma

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan is through Loan Depot 's XXXX Branch and started end of XX/XX/2018. I attempted to pay my first payment on roughly XX/XX/XXXX by check as directed, however the check had not cleared by XX/XX/XXXX. I worked with Loan Depot and they had no idea why it hadn't cleared and then attempted to make a payment over the phone, however i could not make the payment over the phone. After spending more time running around with them, they finally figured out they had changed my loan number and that is why i couldn't pay my mortgage. I then called in to pay my mortgage on XX/XX/XXXX, they then cashed the check i sent 4 weeks prior on XX/XX/XXXX. I contacted them and said this XXXX, you took two payments, you owe me 1 payment back. They called me on XX/XX/XXXX the day my second payment was due to tell me they had sent me a check for the mortgage payment they stole in XXXX. This check was lost and i requested a new check on XX/XX/XXXX. I have been contacting Loan Depot for the past 3 weeks now about the replacement check and no one can tell me anything. This company has stolen roughly {$2600.00} from me and is unable to provide me the funds they stole back. I've wasted weeks now trying to get my money back but am getting no where. I need help getting what is rightfully mine from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Regarding XXXX XXXX XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my wife and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, XXXX and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be approximately an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We discussed the matter multiple times including but not limited to employee XXXX XXXX # XXXX and XXXX XXXX XXXX. They refused to provide last names. We we not provided the Condos we were told would be provided at the discounted rate in our membership. CapitalOne employees refused to defend us on services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached is all my correspondence with Wells Fargo Auto with whom I apparently owe {$1200.00}. As you will see I have requested on numerous occasions to have the amount owing in writing that they will provide me with the original instrument of indebtedness in its original form. I also have the lawsuit settlement as I was awarded {$6000.00} due to Wells Fargo Auto charging me an " insurance fee '' when I already had my own insurance policy on XX/XX/2015. 

It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially and the lawsuit was settled in my favor, for the loss of my vehicle to repossession. 
I would appreciate if you would review my documentation and obtain a statement of facts from Wells Fargo Auto outlining exactly why they can not produce the original instrument of indebtedness, why they have referred this non-existent debt to a debt collection agency/charge-off. 


Sincerely XXXX 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 2019-05-21
Company: Experian Information Solutions Inc.
State: FL
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 loan was open in XX/XX/2015 according to my credit reports. It also says never late paid close. But I never own or authorize this company to issue anything loan.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: CT
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:
We learned on XXXX XXXX, 2019 that Experian mixed the bankruptcy case of an online company withour company 's credit information and this mixup shows up on our company 's credit report at Experian. We finally got through to Experian after over 5 hrs. of trying to contact them on XXXX XXXX only to learn that we had to email them the complaint info to start the complaint procedure. We filed it on XXXX XXXX, 2019 and received an email acknowledging our complaint later in the day and that it would take a maximum of 4 - 6 weeks to complete and we will receive a letter when they are done with our complaint telling us what they decided and what was done. Yesterday we received an email from Experian stating that the complaint has a no. and has not been assigned to anyone yet and that we won't receive any more emails from them. In order to get updates, we would need to set up an account with Experian. This has all been done. I also have Sen. XXXX XXXX and Rep. XXXX XXXX 's offices working to rectify this problem. At this time we at my company have 17 hrs. into trying to rectify this problem. Experian has not said anything on how they intend to repair our credit after the issue is fixed since it is still on our account until they fix their mistake.

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 2020-09-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB  financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB   financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/XXXX, I sent a letter to Equifax asking them to remove an incorrect address from my Equifax credit report. I received a reply dated XX/XX/XXXX, stating that they would remove the wrong address. ( Page 3 of the reply from Equifax states that the disputed address has been deleted. ) I checked my Equifax report again on XX/XX/XXXX, and the wrong address still showed up in my file. I wrote a letter to them on that date but never received a reply. I checked my Equifax credit report again on XX/XX/XXXX, and the incorrect address is still listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
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:
I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed immediately. 


Collection : XXXX XXXX XXXX INQUIRES : XXXX  XXXX XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved a month ago and the post office is forwarding all of my mail. 
Apparently a bill from XXXX XXXX XXXX was never forwarded and I was reported to the Better Business Bureau. I find this unfair because they never tried to reach me and I always have paid my bills. 
I gave them my checking account to pay the balance in full and they refused to remove the complaint from the BBB. 

Thank you, XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
currently enrolled in debt relief program and have been instructed to not communicate with the creditors listed in my account. XXXX XXXX ( XXXX   ) has just contacted me at my employer. my debt relief company suggested i file the complaint due to this being illegal? XXXX from XXXX XXXX/XXXX   called me XX/XX/19 around XXXX XXXX. her call back number is XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief