BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern, This letter is to put capital one auto on notice of federal law violations : In a consumer credit transaction with capital one for a credit extension I found a few issues in the practices of capital one. The capital one XXXX XXXX stated A down payment was required for the vehicle in the amount of {$4000.00}. However, the federal law states clearly the following : 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( XXXX ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( XXXX ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1662 & num=0 & edition=prelim Furthermore XXXX I found an issue with the excessive charges in addition to the {$24000.00} finance charge of the credit transaction. The law clearly states : 12 CFR 1026.4 - Finance charge. 
The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 

( b ) Examples of finance charges. The finance charge includes the following types of charges, except for charges specifically excluded by paragraphs ( c ) through ( XXXX ) of this section : ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/4/ In addition to the finance charge Capital one has tacked on interest which is illegal by law. 

Capital One does not supersede federal law. Capital One knowingly produced a fraudulent loan that is completely in violation of the Truth in lending act. In addition, this loan has caused me to take a hit to my consumer report. This is a blatant violation of the truth in lending act and my consumer rights. In order to protect my consumer rights I have forwarded this complaint to XXXX XXXX the state Attorney general and my State attorney general XXXX XXXX for further investigation. I have also forwarded to the OCC. 

CC : XXXX XXXX XXXX : XXXX XXXX XXXX : OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Nelnet, 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:
My loans are with Nelnet, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, Nelnet restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. Nelnet claims that they sent me an inbox message in my Nelnet account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from Nelnet to my listed email, but this time nothing. It is my suspicion that Nelnet was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the 6, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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 2019-04-29
Company: EQUIFAX, 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:
I did 5 dispute with Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: United Shore Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage with United wholesale mortgage beginning in XX/XX/XXXX. I have always made my payments on time, I have never been late. United wholesale mortgage consistently does not reflect my payments when I make them. They sometimes take weeks or months to reflect my payment in my account that I make automatically every two weeks. Customer service never knows whats going on and they tell me to keep an eye out for my payment to post. I recently made a payment of {$1100.00} on XX/XX/XXXX. It has yet to post to my account and United wholesale mortgage consistently makes this mistake. Please help me as United wholesale mortgage is in capable, or incompetent, regarding registering customers payments on time. They say it takes up to 24 hours to register payments. It often takes Wholesale mortgage weeks or even months to register my payments. Please help me as United wholesale mortgage refuses to correct the errors they make over and over and over again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: JPMORGAN CHASE & CO.
State: LA
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 had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The Chase card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint against XXXX because they have ignored my request for reinvestigation since XX/XX/2021 I have not had one response from this company. This company have had 200 days and ( insert 3 of dispute letters sent ) to resolve this and they have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a cease and desist letter to stop the infringement upon my intellectual property rights. NAVY FEDERAL have failed to provide me with the a debt validation letter to be able to exercise my rights as a consumer to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, XXXX consumer XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. I also demanded NAVY FEDERAL a request for an audit trail and a debt validation letter in which they failed to provide so I could exercise my right to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my bank of america account was hacked. I quickly received an email regarding low funds and contacted my bank. They did nothing but tell me they would research the issue and would take 10 days to come to a decision. Today I received notice that my claim was denied because the transactions in question were completed by a third party who was given access to your account or account information. I've never ever given my information to anyone to steal my money. They told me today that if I get a letterhead from an IT or XXXX XXXX company stating that my laptop was compromised that they would revisit my account. I spoke to an IT professional and they said that wont prove anything. The bank has IP addresses of whoever logged in and they can trace it. The bank has not done anything to find who did this. There was proof that someone made multiple payments to XXXX with account numbers and they told me they dont contact them??? I was furious! Said so what are you doing for me then?!!! There is evidence where my money went and they did nothing about it!

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 2022-01-19
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a credit card with CITI bank and It was showing closed.Also showing due of rs XXXX on XXXXXXXX.While I had negative dues on Citi Bank .Then they charged some membership fee .I tried to call them to close my account.But they didn't close my account.After some time they automatically closed my account but in my XXXX report it is showing rs XXXX pending and it is impacting my XXXX  score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have tried to get insurance through XXXX and have been turned down by LEXIS NEXIS due to the following : Were sorry, but XXXX declined your application because your Motor Vehicle Report ( MVR ) and/or your Claims Loss Underwriting Exchange ( C.L.U.E . ) report show 3 or more insurance claims in the past 36 months. Therefore, you are not eligible for coverage with the XXXX XXXX. The report ( s ) were provided by : I have only had one and it the accident was not my fault. It was paid out by the other drivers insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
My loans are with XXXX, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, XXXX restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. XXXX claims that they sent me an inbox message in my XXXX account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from XXXX to my listed email, but this time nothing. It is my suspicion that XXXX was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the XXXX, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In XXXX XXXX XXXX, a traditional IRA 2-yr CD ( Certificate of Deposit ) that I had with CIT Bank matured. Since CIT was no longer servicing IRA money they did not have any traditional IRA CDs to roll this money into. So they set up an IRA saving account that had a low rate and transfered my money into this account when the CD matured on the XX/XX/XXXX. Currently I 'm trying to transfer the money into a new bank ( XXXX XXXX XXXX XXXX ) that services traditional IRA money and CDs. I went to one of their branch offices and had an officer of the bank fill out a Traditional IRA Transfer request to transfer the money out of my CIT Bank traditional IRA saving account ( via check ) to XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I called CIT bank and spoke to a representative and explained that I was mailing a Traditional IRA Tranfer request and to find out if the Transfer document need to be notarized. She informed me at this time that the it would take 2 to 5 business days to process the Transfer. I sent the Transfer document on XXXX XXXX XXXX overnight mail and it was received by CIT on the XX/XX/XXXX. I called CIT on the XX/XX/XXXX to find out the status of the Transfer. It is at this time that the CIT representative informed me that the Transfer was still being processed and that also it would take an additional 5 to 10 business days to mail the check to XXXX XXXX XXXX once the Transfer document was approved. Thus I received inconsistent or partial information from the first person I talked to at CIT on the XX/XX/XXXX and the XX/XX/XXXX CIT representative on the XX/XX/XXXX. Since CIT was no longer offering Traditional IRA services, the time required to Transfer the money should be expedited since I was on the phone with CIT on 2 different occasions and they new what my intentions were. This delayed processing time appears to be nothing more that a blatant attempt to maximize their use of my money while behind the guise of processing time. The Traditional IRA Transfer application is only a 1-page document and should not take 2 to 5 days to process. Additionally, 5 to 10 days to cut a check and mail it to another banking institution is equally inadequate. Also if I had been given complete and accurate processing and mailing time I could have made other arrangements with another bank ( XXXX XXXX XXXX ) to make the transfer by wire of the Traditional IRA money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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 HAVE BEEN HAVING PROBLEMS WITH XXXX XXXX XXXX XXXX XXXX XXXX. ALL STARTED BACK XXXX NOT PAYING MY BILLS BCUZ I GOT XXXX.SO WHEN CREDIT CARDS STARTED REACHING OUT TO ME TO MAKE ME A LOWER PRICE TO SETTLE THE ACCOUNTS I WAS ALL FOR IT BUT THE AGREEMENT WAS TO TAKE OFF THE ACCOUNTS BCUZ OF LATE PAYMENTS, DERGORTORY, COLLECTIONS & DELINQENT WOULD BE STUCK ON MY ACCOUNT FOR 7 YEARS. SO EVERYTHING WENT WELL WITH XXXX XXXX XXXX BUT NOT WITH.I EVEN BEEN DOING FTC.GOV AND YOU GUYS CFPB.SO CALLED EXPERIAN TO ASK THEM ABOUT IT AND THERE ANSWER WAS THEY DIDNT KNOW ABOUT ANYTHING ABOUT THE SITUATIONAND THEY SEEN BUT REFUSE TO TAKE IT OFF. I HAVE BEEN FIGHTING THEM EVERY MONTH BACK IN FORTH BACK IN FORTH. PLEASE I BEG YOU TO GET THEM TO UNDERSTAND YOUY TO TAKE THE 2 ACCOUNTS OFF WITH EXPERIAN PLEASEEEEE ITS MAKING ME SICK TO MY STOMACH. I HAVE DID EVERYTHING POSSIBLEXXXX XXXX XXXX XXXX XXXX XXXX. PLEASE MAKE THEM TAKE THESE 2 ACCOUNTS OFF .I DONT THINK THAT EXPERIAN THINKS YOU CAN TAKE THESE 2 ACCOUNT OFF. THATS WHAT I WAS TOLD BY A EXPERIAN EMPLOYEE. TAKE BOTH ACCOUNTS PLEASE I BEG YOU. THERE CLOSED AND PAID UP. HELP WITH THIS PLEASEEE. ITS A NIGHTMARE. MY BUSSINES & PERSONAL BOTH SEEMS LIKE THEY ALL CREDIT CARDS & FUNDING LOOKS AT THEM. MAKE THEM LISTEN YOU PLEASE XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card

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 2021-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I NOW Have CAPITALONE HARD PULLS XXXX XX/XX/XXXX, XXXX CAPITALONE BANK USA XX/XX/XXXX AND XXXX. 

XXXX, CAPITALONEAUTO FIN XXXX CAPITALONE XXXX AND XX/XX/XXXX AND CAPITALONE AUTO FINANCE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information

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