BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a XXXX XXXX XXXX on XX/XX/XXXX. The dealership valued the car around {$16000.00} and the loan interest was around 26 %. I was up to date with my payments even though the interest was unreasonably high. I had the car for about 3 years and had paid almost the amount that the dealership valued the car but because of the unreasonable interest it seemed like I had paid nothing because the remaining owes amount hardly went down. After getting the car reposed the first time I was able to get it back but decided it was not worth the stress and the money that I was loosing therefor I decided to have it voluntarily reposed. CapitalOne sold the car and still continued to demand more money from me after it was already sold. Towards the last months before getting it reposed the first time I had just lost my job and was going through a separation that turned into a divorce. I believe that CapitalOne has already recovered the amount that the car is valued at and find it suffocating to still have to get calls from them from different numbers and sometimes very early in the morning and letters back to back demanding more money. Im currently a single mother of XXXX and my kids come first before anything. Ive attached to pictures of my statements that are 7 months apart and total amount only went down by {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX,  and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

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 explanation
Consumer complaint received 2020-12-21
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, they are permanently closed due to malpractice! I was a victim of a scam. Most people that were scammed with the XXXX XXXX XXXX for no money down have been exhausted of payment due to the scam being found out but I havent and it isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called and made a payment over the phone on XXXX XXXX, XXXX for {$300.00} and was to be applied to suspense. Then I made another payment on XXXX XXXX, XXXX for {$600.00}, which that should of left me XXXX in suspense to help me make a full payment in 2 weeks. However, I called on XXXX/XXXX/XXXX and the agent was rude, would not answer my questions, I would ask her something and she would say we are not getting any where cause you do n't understand. I told her I understand I do n't think you understand how to read the system. because she would not and did not answer me about my {$600.00} payment that I requested to know what month the payment posted for and what happened to the extra amount is paid on the account. She placed me on hold for 10 minutes and never came back on the line. I finally disconnected the call. I was so mad that she was talking over me that I had to pull over and calm down because I was so mad after she placed me on hold and never came back on the line. I should have XXXX in suspense. If anything was paid besides my mortgage the payment {$600.00} must be rev & reapplied to satisfy my payment and the rest in suspense. No fees should be paid.

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 2017-10-25
Company: Experian Information Solutions Inc.
State: KY
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 belongs to someone else

Complaint:
In XXXX of XXXX I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch wit someone from experian they explained that possibly one of the credit agencies entered my social security numberin wrong. I recieved my free reports from each agency, and there was an incorrect address on my XXXX report for someone in Ohio. After sending in identification to prove that i am me, XXXX told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else

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 2020-04-25
Company: Avant Credit Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I obtained a loan through XXXX XXXX XXXX and, as part of my loan approval, I was to pay off some existing debt. The company that was to be paid off was Avant LLC. I sent a check, from XXXX XXXX XXXX, to Avant on XX/XX/20, it was processed on XX/XX/20, but the funds were not applied to pay off the loan. Avant took out a monthly payment on XX/XX/20. After noticing the payment was processed, I contacted Avant on XX/XX/20 to ask why the funds were not applied to pay off my loan, they said they would refer the matter to the resolutions department. I have sent several emails to Avant, and they have not replied. They took another monthly payment out on XX/XX/20. I called again on XX/XX/20, and was told the resolutions department would be in contact with me. Avant continues to take payments out of my checking account, even though they received a check for pay off amount over 6 weeks ago. I have a copy of the cancelled check, which I have included in all of my correspondence, but they still have not applied these funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ 2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, XXXX and Transunion ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XXXX XXXX, 2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.

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 2017-10-25
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:
I already filed Fraud Report over year and half ago these bureaus XXXX and Experian I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MS
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX 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 2020-04-25
Company: Mobiloans, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had recently made an arrangement for a payment plan to pay my outstanding debt over a period of 6 months. My first payment was {$50.00}. I had missed my second payment and was told by the debt collector company that if I were to have another returned payment, that they would press charges for an attempt to defraud. They have since communicated with my family and discussed with them about my payment history with the company and the amount that I owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-25
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The school was closed down do to unlawful practices. I attended this school in XXXX an withdrew from the program early due to motorcycle accident broke both arms an a leg, yet the loans were still being processed as if I was still there an I believe to full amount of program which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have been having some financial problems lately, so my payments have been late ; but I have been making them. My payment was due on XX/XX/19 in the amount of {$160.00}. I made full payment on XX/XX/19. On XX/XX/19, a new statement generated. The company applied the payment of {$160.00} to the new balance instead of the {$160.00} that was due on XXXX. This caused me to get charged a late fee. I chatted online with a customer support rep and they basically said that is how things are done and there is no way to have it applied towards the XXXX balance. This is unethical and I would think illegal, since it tips the balance in their favor, kicks someone who who is financially down ; but trying. I was supposed to get a copy of the chat transcript, but that never came.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The credit line was used by someone other that me. I am a victim of identity theft. I took the steps by filing an FTC identity theft report and sent it to the credit card company along with a letter of what occurred and two forms of ID. I reached out to them by mail on XX/XX/2021 and they have still not responded to my letter. Its unbelievable that they would have proof of me being a victim of identity theft and not respond to my letter or try to correct for over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2021-11-10
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 sent plenty of disputes to Experian about the account of XXXX XXXX XXXX XXXX XXXX XXXX I was sick of pre XXXX when this account was open, I didnt open this account XXXX  XXXX never sent me a contract with my signature of the agreement or contract they just say that was open online I didnt open this XXXX XXXX account When I was sick many people have access to my personal information This account of XXXX XXXXXXXX must be remove immediately from my Experian credit 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 2021-05-13
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have disputed the value of the bpo given by Mr.coopers representative for months. 

I have now as of last week requested a full Appraisal on the home and come today XXXX. I was told that no new evaluation of the home can be done for 120 days from the first evaluation. 

They ( Mr.cooper ) Continue to give the run around and do not have their customers best interest in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This was added to my credit report with out any mailing or notice. I demand that they show this debt is mine and that they are even allowed to collect in my state. Show me were I signed and if this is still within the statue of limitations for my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX XXXX corporation by mail four times on XX/XX/XXXX did not hear back from them. I could not get a resolution for account ending in XXXX asking it to be removed from my credit file or updated due to it impacting my credit in a negative matter this account is paid in full which payments being made on XX/XX/XXXX for {$44.00} and also again on XXXX for {$44.00} leaving my balance at XXXX it still shows a late balance of {$88.00} past 60 days I do not have this card or account anymore due to it being stolen which I reported back in XXXX I would like this removed from my credit file I did send four letters into the company directly did not hear back from them I tried contacting them by phone over eight times and I faxed my credit report showing that this is still on my credit file at XXXX extension XXXX and I was told it would be removed which it still has not been to this day

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 2018-01-06
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2017 I tried to log into my Coinbase account ( bitcoin, lite coin, brokerage website ) shortly after which I was denied access to my account and my XXXXbit coins, XXXX eithirium and XXXX coins ( now a value of over {$20000.00} ) later I was sent an email telling me that account had been locked due to eligibility restrictions. I have sent emails and called multiple times with the promise that my account will shortly be reopened and my issue resolved, It has been over 2 months at this point and they havent made any efforts to work on my problem or even update me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed but the me-to-me money transfer through XXXX that is partnered with Chase bank. I would not otherwise have an account with XXXX if it were not partnered with Chase as I have been a Chase bank customer since XXXX. XX/XX/XXXX for XXXX . I have reached out to Chase and was told that XXXX is not covered by purchase protection.

Company response to consumer: Closed with explanation