BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was involved in a car accident on XXXX. My car was a total loss. I contacted Capital One Auto right away. The balance remaining at date of loss was {$16000.00}. The Insurance Company sent a payment of {$11000.00} on XXXX, the value of the vehicle .Capital One held the payment until XXXX. I called everyday, and was told there was no payment. The Gap Insurance sent a payment of {$4300.00} on XXXX. Capital One did not process that payment until XXXX. Now, I am told I have a balance. I do not wish to pay the balance. Capital One, held the payments to charge me additional interest and fees .. Capital One states balance of {$260.00}. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CITIBANK, N.A.
State: GA
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 contacted XXXX Credit Agency for over 2 years with same problem I have provided documents to XXXX. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my 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 2018-06-18
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: Investigation took more than 30 days

Complaint:
For years I have had a student loan on my credit report from when I started school at XXXX in Fall of XX/XX/XXXX. I only took out federal loans to pay for tuition. However, the particular loan in question is a private one given by XXXX and is not mine. I never payed it any mind because I assumed it was actually my outstanding balance on my student billing account I have with them, which I've been paying off in installments. 
Now, years later, in XX/XX/XXXX, payments for that student loan suddenly stopped, which showed on my credit report. I received no other notice ( since it isn't actually mine ). I looked at it more closely and saw that it isn't my outstanding account at all. The payment amounts and balances don't even match : I owe {$1200.00} as of now ; I've been making payments of {$50.00} every month ; the student loan has a balance of {$3600.00} as of now ; it states that previously payments of {$40.00} were being made every month. No payments have been made since XX/XX/XXXX. I asked XXXX student account services about it. They said they don't report my outstanding balance to credit bureaus. That means the word " XXXX '' shouldn't even be on my credit report, making the amount I actually owe ( {$1200.00} ) irrelevant. I asked them if there are any loans I owe them. They are unaware of none, apparently. 
Naturally, I file a dispute with both XXXX  and TransUnion, as they are the ones reporting the account. XXXX  swiftly determines the account does not belong to me. TransUnion, however, somehow concludes that it is mine, with no explanation. I file another dispute with TransUnion, showing some evidence of my emails with XXXX student accounts services, pictures of my account statements ( which don't show me ever taking out a loan with XXXX, only federal loans ), as well as evidence that XXXX found it to not be mine. Now, TransUnion has yet again mysteriously determined that the account is mine. I don't know what account this is, so I couldn't even make the payments if I wanted to. Needless to say, this is very frustrating. I suspect that TransUnion is not doing its job and actually isn't investigating at all.

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 2021-07-09
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage loan with Amerisave. Loan officer name was XXXX XXXX XXXX. He was very responsive and appeared knowledgeable in the refinance process. I paid the application fee of {$500.00} and he stated I would get that back at closing. My loan was sent to underwriting and was put on hold due to fraudulent reporting from he goes by XXXX. He stated 2 of our existing loans were paid in full and the underwriter wanted proof. The 2 loans in reference were not paid in full and we never reported as such. XXXX reported that info Im guessing to get an underwriter to take our loan and collect the application fee. The underwriter has put our closing on hold due to this information. I have attempted to contact XXXX twice in email with no response and filed a complaint with customer service also with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Ocwen provided false and or conflicting information regarding the status of an alleged loan to your office on XXXX XXXX, 2015 in response to a complaint submitted to your office. Ocwen claimed that the loan had been placed on " HOLD '' but in my complaint to your office there was evidence that Ocwen communicated to me that the foreclosure had not been initiated, perhaps because they rescinded the foreclosure because of all the defects in the original foreclosure. These XXXX statuses are completely different and Ocwen failed to respond to the delinquent letter that it mailed out. On XXXX XXXX, 2015 I received yet another delinquency notice from Ocwen making a second claim that the first step in the foreclosure process, the first legal filing, has not yet been completed, but yet Ocwen is claiming to your office that the foreclosure is on hold. Also unaddressed in my last complaint was Ocwen 's counsel 's threats to have me and my wife imprisoned for filing an FDCPA suit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: OK
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:
Under the service members relief act, I had 1 year to get with the department of education to setup payment arrangements for my student loan debt. I was XXXX XXXX until XX/XX/2015. Not to mention this account was established before I ever even finished the program that it was paying for to the credit bureaus as late and is over 11 years old. So it shouldn't be on my report to begin with. I have tried and tried to be get XXXX and Experian to fix this issue to no avail. So I disputed it to Experian, and requested that they reinvestigate but due to language and comprehension barriers, they don't understand exactly what I am trying to get them to do. I have tried disputing with your choice of the three reasons to no avail. Uploaded documentation still nothing. They could pick any of the three and remove but refuse

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 2021-02-05
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: Investigation took more than 30 days

Complaint:
Equifax has failed to respond to my numerous disputes in the time the FCRA requires, I demand these accounts be removed immediately as this is a violation of my consumer rights. I am attaching the previous letters sent to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: QuadPay
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I recently purchased a bed on XXXX and was offered to break the total amount into 4 payments of {$180.00}. I was immediately billed the {$180.00} and then maybe 2 days later I cancelled the order due to the bed not being in stock and the delay of almost a month to have the bed delivered. I cancelled with XXXX and again with Quadpay. In fact I cancelled twice with Quadpay and they still bill my credit card another {$180.00}. They have ignored my request to cancel after being reassured it would get resolved and I would receive a full refund. Both XXXX and Quadpay are lacking adequate customer service and are being dishonest in their advertising and their communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: SLM CORPORATION
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: Account status incorrect

Complaint:
My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XX/XX/XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XX/XX/XXXX ) and continued over the next months as per the agreement. However, in XX/XX/XXXX I was told by XXXX XXXX that they rescinded the offer made in XX/XX/XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XX/XX/XXXX and XX/XX/XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you may now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, 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 2021-02-23
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:
These are not my accounts. Please remove them immediately. 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 2020-08-24
Company: ALLY FINANCIAL INC.
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: NRA Group, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
gym membership was paid current. gym closed down their business without any notice. never recieved a bill until two years later when i recieved a collection notice from a collection agency

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 2021-07-09
Company: Santander Consumer USA Holdings Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Santander stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I just recently found out that someone in XXXX, GA has used my name for a loan. I remembered the other day that my mom has some type of bank account in my name. She's had it for a while now. And she stays in XXXX, GA. My phone didn't tell me the exact amount the loan was. It just told me that I have a loan in my name. But the bank account that my mom has in my name, I haven't been able to use any type of money that's been in that account, at all. I only found out about the bank account because I went to the mailbox one day and just so happened to see the piece of mail with my name on it. I wasn't told anything by my mother. Not once.

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 2018-06-18
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
This company keeps informing me that I have a loan with them when they have not been able to verify that I do. They have not attempted to speak with me in reference to any of these loans. They are calling themselves by two different company names. I am so abused and exploited right now. Please help me I have XXXX and XXXX XXXX and I am loosing sleep because of this. 
XXXX CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention AMOUNT OUTSTANDING : {$840.00} This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/2015 but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3400.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 



This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : - XXXX Sincerely, XXXX XXXX Accounting Department Speedy Cash ( XXXX ) Washington DC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was going to fall behind, I call the company to start a payment program, they told me my payment had already been made, I knew it hadn't. I attempted to make a payment, they refused my payment, and then they began overcharging my account. I called in to speak with management and started to explain the situation and then she hung up on me. I have documentation of dates times and names.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation