BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitol One is charging me {$25.00} for late payments on the same day the payment is due. on XX/XX/XXXX nd XX/XX/XXXX, I was charged {$25.00} for late payment. My due date is on the XXXX of each month. 

They also closed my account without any notice or any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is for all three big business bureaus XXXX, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX XXXX  XXXX  open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there XXXX Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get XXXX app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with an attached student account for my son who was underage ( XXXX ) upon opening. My account was closed by Chase because an overdraft occurred that was not paid for when I became unemployed. My son was still using his account and when he went to get a new debit card and his ID was verified ( XXXX ) Chase withdrew his direct deposit paycheck funds from his account of {$290.00}. I have been unemployed since XX/XX/2018 and He makes his own funds. Chase has taken his funds to return to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureau is obliged to block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CORELOGIC INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was speaking to XXXX XXXX XXXX XXXX regarding a letter received. They transferred me to CORELOGIC telling me that they were actually XXXX XXXX XXXX XXXX. They asked me private information and then later told me they were actually with CORELOGIC and not XXXX XXXX XXXXXXXX XXXX. They got personal information out of me when they should never have done so. They should have been truthful about who I was speaking to.

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 2018-01-10
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I returned a XXXX XXXX at lease termination XX/XX/XXXX, all lease payments were made on time. Mercedes Benz represented to me that if i leased a new car from them within 60 days of lease return they would waive and/or greatly reduce turn in fees. I leased a new Mercedes about 2 weeks after the previous vehicle return and obtained lease financing from MB Financial ( same lender on both leases ). I returned the second MB in XXXX, all payments were made in a timely manner, I received and itemized statement from MB on the 2nd car for additional fees and promptly paid them. 
I am vehemently disputing the vehicle turn in fees on the first MB because I was never notified in writing of any amount due until approximately 4 years and 10 months after lease termination and never have received an itemized summary. I responded to the collection agency within the 30 days of notice of debt with a letter from my attorney disputing the amount with case law support and MB continues to report wrong and derogatory information on my credit file with all 3 bureaus. MB have their facts wrong on why they waited for almost 5 years to notify me of this claim. MB is reporting incorrect information on the second vehicle and using it as leverage. I believe I am being bullied and harassed by MB when they have no right under the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
one auto loan that does not belong to me has been reporting under my equifax credit bureau and they have not been helpful at all, i had tried to dispute and delete this inaccuracy from my credit file, but they are not helping, each time they are either not disputing or trying to get rid of me for not answering the security questions right, please you are my last hope they are screwing my credit by reporting inaccurate information and i have been very much stressed as a single mom, please have e to get to the bottom of this. 
appreciate you cooperation in this matter. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call leaving multiple messages saying they need to speak to someone that is not me. Saying it is urgent the person they need contact them about a matter before them. 
This is from XXXX XXXX Recovery Division. XXXX XXXX XXXX. I asked them to stop calling me because they have the wrong person. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of a fraudulent transaction, I asked my local branch of Chase Bank, which I had maintained an account in good standing for almost 30 years, to provide me guidance with the transaction. At the time they failed to provide me with correct bank policies about availability of funds from a deposited check before I can make withdrawal from that particular deposit. This resulted in a loss of {$1800.00} from my account. 

I asked for bank manager and employees help with the matter. At this point, they provided me with the relevant bank policies for the first time, but also told me that they can not assist me any further. 

I believe none of the bank employees, including bank manager,  had been adequately trained to know exact bank policies and procedures, and only educated themselves after my loss had already happened. I also believe these employees were not fit to provide adequate service to the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: NE
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:
****Please note all communications are being documented due to intentions to pursue legal action************* Experian has concluded their investigation and failed to remove an account I have proven should not be included on my credit report. I have already spoken with the company directly who advised they would delete the credit entry as the account is a result of goods not received. I submitted a letter directly from the company proving the company 's intentions to delete the credit entry and showing the balance at zero. The collection agency that was once representing the company also agreed not to report the invalid information. It is for these reasons I can not understand how Experian could conduct a thorough investigation and still conclude that the entry was valid. 

I spoke to the company via proxy AGAIN today and they confirmed that the account was removed from collections, credited, and a request for deletion was made on XXXX/XXXX/2017

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 2017-09-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.

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 2018-01-11
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.

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 2022-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Leased a car at XXXX XXXX XXXX in XXXX of XXXX  for $ XXXX, 3 months later car completely shut down with a gas leak. Took for inspection and was advised there is over $ XXXX of damage. 

Reached out to XXXX XXXX XXXX multiple times with this information and no call back, left a XXXX review, the review was deleted. 

Called Credit Acceptance explained this information to them was advised there is nothing we can do, you still have to pay Called the warranty company XXXX XXXX was advised they can take a look at it, when asking what location they accept. Was advised they dont have any location list, and I was to find a location myself I asked how am I supposed to that. They advised I dont know Called credit acceptance back and advised them of warranty not being honored. Again was told that still has nothing to do with the amount you still owe and you have to pay While not being able to drive the car at all due to dangerous conditions, I was still paying my monthly bill. 
In XXXX my husband lost his job and was not able to pay full payments. Called Credit Acceptance and was advised I could pay {$100.00} today {$100.00} in 2 weeks leaving my balance at {$800.00} on XX/XX/XXXX but I could pay {$460.00} till its completely paid off. 
I paid {$500.00} towards my {$800.00} bill in XXXX but my online account did not reflect that payment stating I was late on my {$400.00} XXXX payment. 
I called Credit Acceptance and explain above and was told how I paid is wrong and they have no way of correcting the online account and I would still owe XXXX payment Not what our agreement was at all and now my bill for XX/XX/XXXX is {$1000.00}. 
The numbers are not matching at all. 
No emails of our conversation has been mailed, no care for the dangerous cask leak, no care for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX TO : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX TO : Chex Systems XXXX XXXX 
Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by BOA. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX  XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me physically XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, 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 explanation
Consumer complaint received 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX {$1.00} and {$3.00} were attempted to be pulled from my Bank of America account, there were not funds in the account to cover and charges were returned and I was charged {$35.00} for each item. This is gross overcharging and I requested the fees be reversed.

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 2019-07-27
Company: Innovative Funding Services, L.L.C.
State: TX
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:
On XX/XX/XXXX, after receiving a prepproval from a company by the name of innovative funding services, they then ran my credit without my permission twice. With two different inquiries now populating on my report. Then, only to email me and deny me approval. I stated that the inquiries were made without consent to miss XXXX XXXX, finance advisor with the direct line of XXXX and yet they remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Toyota. My monthly payment is XXXX. I have had this auto loan since XX/XX/XXXX and have mostly paid by the due date. There have been a few times that I have made some payments past the due date but I have never been 30 days late. The few times I have had to make the payment past the due date has been because I worked 3 jobs and do not always get enough hours during the month to pay the car payment immediately and have to wait until my next check to pay the full XXXX.Despite this, I always have paid every month and have never been 30 days late. Last XXXX, I didn't work at one of my jobs for two weeks because my employer didn't need me. I knew I would need to wait a few weeks to make this car payment so I called Toyota. I told them I would need until the end of the XXXX but didn't want to be 30 days late on the XXXX  payment. The representative helping me said that I would be ok until XX/XX/XXXX as XX/XX/XXXX was a holiday and wouldn't count as a day. I made the payment on XX/XX/XXXX.XXXX payment was marked 30 days late despite the information that the representative told me when I spoke to her over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters 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