BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent {$200.00} to capital one and requested a prepaid card. I was given access. I used the card briefly 60 days or less made one payment and then was incarcerated. Now Im told that I owe {$220.00} what happened to the {$200.00} I put down as a pre-payment? That was the whole point in the {$200.00} in the first place was to secure just in case something should happen where I dont pay my bills so what are the XXXX or dollars go yes I may owe them XXXX something dollars for late fees or whatever which I have propane but Im not paying them {$220.00} and hes fighting me tooth and nail with it. Theyre saying that thats the proper amount Walt Ive asked them what happened to the {$200.00} and no one will tell me anything about it they say that they dont have access to that all they have is the balance thats owed so theres no record of any of it. But you had it sitting there sternly staunchly saying that I owe them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: AMERICAN HONDA FINANCE CORP
State: TX
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:
I brought my car to XXXX XXXX XXXX for a repair and they instead traded my car for a new car. 
After a horrible sales experience we signed the paperwork. 
Sales problem was they refused to disclose the cost of extended warranties claming it was variable based on the loan. 
They also claim the warranties are good at any XXXX. However my experience with my previous car proves that not to be true. Yet they insist it is. 
They said several times I should trust them. 
Then after I agreed to the terms. 
I was 1/2 done moving car seats and such from the old car to the new and they came to me with a {$960.00} bill for the repair on the car I just traded. 
What was I supposed to do? 
Nevermind that the repair estimate was {$750.00} So I argued about the price but they insisted with 3 large salesman that I had to pay. Claiming I defrauded themby not telling them the car was in their repair shop. 
This was not true but again what to do? 
So I paid with Credit card. 
Is this what is referred to as a shake down. I had to think of the safety of my family at this point. 
Wrong just wrong and Im out the money. 

Guess I should have listened to my gut and never considered buying from this place. However I need a car to get to work. 
What has happened to our country and honesty?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I opened a Home Equity Line of Credit in XXXX with First Midwest Bank that I have never used. I would pay an annual {$50.00} fee upon receiving their bill each year. 
I did not receive a bill for this {$50.00} fee on this never used account in XXXX. I did not receive any reminders of an annual fee being owed. 
On XX/XX/XXXX I received a letter of collections for a past due amount of {$60.00} that was dated XX/XX/XXXX. This letter was not clear 1. It did not clearly articulate what this amount was for ( {$50.00} annual fee and I assume a {$10.00} late fee? ). It stated that failure to pay immediately would result in further collections and the reporting of the delinquency to the credit bureau ''. They neglected to mention they reported that collection when they sent me this letter. 
I received a phone call XX/XX/XXXX from a woman who did not clearly or properly identify herself. There was no message as to the reason of her call. The phone number XXXX does not identify as belonging to First Midwest Bank, a XXXX search showed this number as reported SPAM. The woman who called spoke fast and garbled - ( XXXX from XXXX XXXX XXXX ). I do not have a relationship with XXXX XXXX XXXX. At no point was any reference that she was calling regarding an unpaid annual fee on a HELOC. 
I contacted the bank by phone XXXX as well as went into a bank branch to personally hand the letter attached. I requested that they remove the collection entry from each Bureau that First Midwest reports too ( XXXX, XXXX, XXXX, and XXXX, there may be other regional bureaus too ). I also asked the line of credit be closed at consumer request. I was told by XXXX XXXX that he had no control of the reporting and that it could take months to change the reporting ( XXXX was referenced ). I am submitting an additional complaint surrounding their credit bureau reporting - as of XXXX, I see the account closed and {$0.00} owed but they have not removed the collection. I am hoping the CFPB can help get this resolved.

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 2019-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called the mortgage company ( Lakeview Loan Servicing LLC ) regarding my bill because of a late fee  charge and Lakeview Loan Servicing LLC told me that I did not pay the full amount. Lakeview Loan Servicing LLC received {$1700.00} in XX/XX/XXXX for XXXX mortgage payment. I asked Lakeview Loan Servicing LLC if they can apply the amount that I paid to them to my Principal and Interest but they declined, stating that I did not make the full payment. Lakeview Loan Servicing LLC informed me that there was a {$610.00} shortage in my escrow. We could not complete the phone conversation because the phone got disconnected. I called back the next day and told XXXX XXXX XXXX XXXX that I would send a check for the escrow shortage and the escrow shortage was received on XX/XX/XXXX. I called back on XX/XX/XXXX to verify why my XXXX was still not applied. Lakeview Loan Servicing LLC informed me that they did not get the  complete payment of {$1700.00}. On XX/XX/XXXX I sent a check of {$500.00} to the escrow account so that it would reduce my monthly payment. I called back on XX/XX/XXXX to verify that Lakeview Loan Servicing LLC received {$500.00}. Lakeview Loan Servicing LLC indicated they received the check but it is still pending. I explained to Lakeview Loan Servicing LLC that I would like my monthly payment to be reduced since I sent an additional {$500.00} to the escrow, but Lakeview Loan Servicing LLC said that it is not possible to apply that to reduce my monthly payment, because according to Federal Law, I am unable to add any more money to my escrow account. I asked Lakeview Loan Servicing LLC to take the balance from the {$500.00} to complete XXXX payment, which is {$250.00}, and refund {$250.00} back to me. They indicated that in order to do that, I have to submit my bank statement to show proof that the money was cleared from my bank. On XX/XX/XXXX I emailed both my bank statement showing the {$500.00} and a copy of the check for {$500.00} that was paid to Lakeview Loan Servicing LLC. I received an automated email response with a ticket number stating that my request has been forwarded to the appropriate department and to use that ticket number for further communication regarding my request. I have called Lakeview Loan Servicing LLC twice today, XXXX, XXXX XXXX. First at XXXX then at XXXX, and I received an automated message of their unavailability. However, Lakeview Loan Servicing LLC 's normal business hours on a weekday is  XXXX. It appears that Lakeview Loan Servicing LLC is  avoiding my calls. The reason I am contacting you is that I have been trying to fix my mortgage account but I am getting the run around and it is getting very frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEPARTMENT OF EDUACATION/NAVIENT,, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Information belongs to someone else

Complaint:
This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

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 2019-11-10
Company: Creditor's Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a fradulent debt collections attempt by Creditors Collection Service , Inc. for a supposed debt owed to XXXX XXXX XXXX XXXX in the amount of {$55.00}. I have received no evidence that I am responsible for this debt, and XXXX XXXX XXXX has declined to provide any such evidence. 

I made a copayment in full at the time of my visit to XXXX XXXX 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 explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
i am a member of Wells Fargo. My credit card gets charged way too high for " interest on purchases '' and it doesn't make sense, because I'm never late on paying for it. Even my credit score has been lowered!

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 monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-21
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: Was not notified of investigation status or results

Complaint:
I have sent several rounds of dispute letters to the bureaus however I have not received any response until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a fraudulent account appearing on my credit file. There is an unverified Bankruptcy appearing on my Transunion credit file. I have reached out to the US Bankruptcy court to see if they furnished this information to Transunion and they have insisted that they did not furnish this information. Transunion do not have my permission to furnish this incorrect information it is a violation of my right to privacy according to the Fair Credit Reporting Act. My consumer rights are being violated and I demand that this fraudulent account be deleted immediately.

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 2018-12-10
Company: EQUIFAX, INC.
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:
Equifax you stated verified XXXX to CFPB report so I filed another dispute on XX/XX/2018 but on XX/XX/XXXX andXX/XX/2018 You reported account removed from credit report BUT still showing on report as of XX/XX/2018 CFPB case # XXXX  you state to the CFPB on XX/XX/2018Account # XX/XX/7318 was DELETED from credit report enclosed is the documentation of the statements .lets settle this once and for all remove this account from my credit report now Forever as stated in documents enclosed so I can Close these dispute with you, Also please tell how my score dropped another38 points when it states no change on your documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: DE
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 filing this complaint because XXXX, XXXX, and Experian, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. 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 non-monetary relief
Consumer complaint received 2021-01-24
Company: Experian Information Solutions Inc.
State: IL
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:
A LOAN WAS OPENED FROM XXXX XXXX ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 filing this complaint because XXXX, TransUnion, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. 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 2023-01-12
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Background, I had a small business telephone account with XXXX XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX on the account. Account number is ( was ) XXXX. Subsequent to my XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I cancelled the service with XXXX XXXX XXXX that same XXXX. 
In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX. I called and after more than XXXX XXXX mostly on hold, it was discovered that the phone service stopped but the XXXX service continued, including the service on my XXXX XXXX XXXX 
I was told that it was corrected, and they apologized. 
Then in May I received another bill, the same amount {$71.00}. I called again. The same thing, mostly on hold this time for more than XXXX XXXXXXXX XXXX and transferred around to many different individuals. Same result, Iwas assured that it was corrected, and they apologized. I never received written confirmation to the adjustment or corrections that were made for any of the time I spent on the phone with XXXX XXXX XXXX personnel. 
XXXX XXXX, I received a notice in the mail from Prince Parker & Associates XXXX Inc a debt collection agency. The reference # XXXX dated XX/XX/XXXX. 
I called the number to dispute the charge. The person related they do not have any of the records from XXXX XXXX XXXX and could not address the dispute. I was then told " just pay the {$71.00}, it is a such a small amount and not waste any more time trying to make it go away ''. 
I can only say that in good conscience, I tried to handle this matter properly. And it is true that after the many hours I have spent, worth far more that the {$71.00} it seems foolish. But I did my best to amicably end the partnership with XXXX XXXX XXXX. Shame on XXXX XXXX XXXX for continuing to remind me of the grief we have. 
Each time I have contacted XXXX XXXX XXXX  and after the conclusion of each of the numerous contacts with the tens of XXXX XXXX XXXX XXXX, I was asked if I would leave a positive response to the service provided. I am sure, if the right people know how matters such as mine are being handled at XXXX XXXX XXXX they would address it and at the least would certainly follow up with written confirmation of handling matters instead of things coming to this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation