BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The Cabelas credit card was taken over by Capital One about 12 months ago, on or about XX/XX/XXXX. For the first several months after the cutover, billing statements were coming out showing past-due amounts and associated fees and interest when in fact accounts were not past-due. For the first several months between XX/XX/XXXX and XX/XX/XXXX, I called Capital One to explain the issues. At first the representatives didn't understand the cutover problems, but in time, they realized them and made credit adjustments to the accounts to reverse fees and interest. In XX/XX/XXXX, they sent me a formal letter stating they were processing adjustments to correct the account. Ever since then, the new card issuer, Capital One takes longer to post payments to the accounts, this in part as I have come to realize, is partially because while the original card issuer could receive electronic ACH payments initiated from my bank, the same electronic ACH payment ( oddly ) can not be done initiated from my bank to Capital One, therefore my bank sends out a check payment. In XXXX of XXXX, my payment due date was XX/XX/XXXX and my payment dated XX/XX/XXXX, was not posted until XX/XX/XXXX. When I called to query the timeliness of posting credits which culminated in respectfully requesting an adjustment due to seemingly untimely posting, the card issuer refused citing the prior " courtesy adjustments '' they had given me on/about 12 months ago during the period XX/XX/XXXX to XX/XX/XXXX. I highlighted that those adjustments were due to the credit card company cutover, not due to me not paying timely -- a point which the supervisor of the initial representative I spoke to, totally agreed with. In the end, no adjustment in the form of a {$27.00} late fee and {$1.00} in interest was made ... the amount allegedly past due was {$130.00}. I'm curious if there is a standard for how long a credit card company has to post credits to the cardholder 's account after the payment is received. In this case Capital One seems to be preying on people whose banks submit check payments on their behalf ( in my case the previous credit card issuer for this account was able to receive electronic payments from my bank ). The representative and supervisor I spoke to highly encouraged a direct ach draw from my bank account to alleviate my concern with Capital One 's timeliness in posting credits ; however, I explained to them I choose to maintain positive control in reviewing account statements and actioning payments myself through my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: SYNCHRONY FINANCIAL
State: TN
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:
XX/XX/XXXX PayPal hard inquiry. I didn't apply for it XX/XX/XXXX XXXX XXXX XXXX  hard inquiry not my account XX/XX/XXXX XXXX  hard inquiry not my account XX/XX/XXXX PayPal hard inquiry not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Erin Capital Management, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
In XXXX my first year in college I got a credit card. I didnt use it properly resulting in a charge off ( {$3000.00} ). In XXXX I find out Im being garnished for {$9100.00}. I reached out to the company attempting to collect a debt Erin Capital Management LLC. I informed Erin Capital Management I could settle for {$3000.00}. However they refused my offer. I would like to pay the amount that I owe. If Erin Capital Management is  attempting to collect a debt they should at least be fair about their debt collection practices. They are garnishing 25 % of my wages. Im homeless!

Company response to consumer: Untimely response
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NH
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:
XXXX report XXXX XXXX : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan EQUIFAX Report XXXX XXXX XXXX  XX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete 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
Consumer complaint received 2019-10-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company, Santander Consumer USA is reporting the collection account referenced herein. Prior disputes have not produced validation of the debt referenced in this complaint. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements/itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence. 

I am also requesting that Santander Consumer USA cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX, the Federal Trade Commission, and the Texas Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: American Credit Acceptance, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
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 is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$19000.00} ; XXXX XXXXXXXX XXXX XXXX {$4800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$740.00}

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 2019-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 sent dispute letters to the credit bureau and the creditor : PORTFOLIO RECOVERY ASSOCIATES, LLC about inaccurate information on my credit report and I would like it deleted. They sent a letter back to me on XX/XX/2019 attempting to verify the account but information is still inaccurate and not my account. This was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
As of XX/XX/XXXX, I have not received the {$400.00} bonus for opening a checking account on XX/XX/XXXX even though the below requirements have been met. 


Within 150 days of account opening, set up and receive at least three consecutive monthly direct deposits of {$3000.00} each month. 

The below non eligible items do not apply in my case : You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You are a Wells Fargo team member You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : 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 2023-10-24
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING LLC C/O RESURGENT CAPITAL has the wrong dates on my credit report causing me a huge issue costing me alot of money date of last payment should be XX/XX/XXXX they have on my credit report the date they bought the account as XX/XX/XXXX which is against the law. 
also need account info everthing is wrong on the credit report can not do any research using this wrong information on my credit report which is also against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Riverwalk Financial Corporation
State: CO
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 company XXXX XXXX XXXX just showed up on my credit and I have requested it be removed from all 3 credit reports and it has not been. I have and have had an arrangement with the department of education directly, they themselves said they don't know who this company is or why they are showing on my credit report. It's been removed from XXXX but not XXXX   or XXXX I've requested it be removed because the college I went to went into bankruptcy and I was told since I didn't have a legal arrangement with them they can not try to collect from me nor 1should they be showing on my reports, not to mention I've already BEEN on an arrangement and paying for them with department of education. I am trying to buy a house and right now this is the only thing preventing me from doing so, please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
And accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: BB&T CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Credit concepts is ripping off subprime consumers. I purchased the vehicle at $ XXXX, put down $ XXXX and made monthly payments of {$300.00} for two years then they garnished my wages of $ XXXX-XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? They are just adding ridicolous fees on top of fees. And never no explanation. Theres no way I've paid all this money into this loan and the balance hasnt even moved or decreased. If this were to happen to one of them they would understand and would be arguing this matter too. I am not getting treated fairly and its been since I advised them I was a DV victim and now I am being discriminated and charged. I have a coworker who is behind on her credit concepts loan for 7 months and she still has her they never call or even try to repo her car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint.

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 2015-05-13
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I already have a complaint opened, XXXX pertaining to flood insurance. This was opened on XX/XX/XXXX. I have only received XXXX response to this from my mortgage company, NationStar. This was dated XX/XX/XXXX and they said they would respond by XX/XX/XXXX 
I saw on this site that they responded to the CFPB that they would respond by XX/XX/XXXX. I have heard nothing, until today when I XXXX again received a copy of the original letter stating they are going to raise my flood insurance. I need to know something? What is going on? The mortgage company is not responding. Help, please I can not afford a large increase in my insurance. I thought this was settled in XX/XX/XXXX when XXXX XXXX XXXX tried to do the same thing and the CFPB had to intervene. I have not changed anything on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 I filed for Forberance with Loan Care, my mortgage company and they told me that this would not be reported as a missed payment being that the Forberance would be in place. I called to check on the status of the Forberance and they had not put the Forberance in place. They filled it for me in XX/XX/2020 and reported missed payments on my account. I have reached out to them about this they reassured me that the negative reporting would be removed and I disputed the negative reporting and it still showing that they reported this correctly. I need this removed from my credit ASAP being that this is a false negative report on my credit. My score and credit has been negatively impacted because of this.

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