BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I walked into a jewelry store named XXXX in XXXX XXXX XXXX, XXXX. On that day, I purchased four 14-karat solid gold chains from the retailer. The salesman indicated that the jewelry was 14-karat solid gold and also wrote it in print on my receipt. I used my XXXX card ending in # XXXX to purchase the 4, 14-karat solid gold chains for a sale price of {$6500.00}. XX/XX/XXXX I found out that none of the 4 chains were gold. Since XX/XX/XXXX I have been in contacting my card card Capital One regarding my dispute. Capital One did a poor job disputing my case. I was informed by a Capital One employee that they have NOT been in contact with the jewelry store just with the bank. And I have yet to receive all this so called information the merchant is sending that Capital One feels is valid to close my case. I was promised 14kt solid gold for {$6500.00} and I did not receive my promise goods. I was clearly scammed and I have more than enough proof to prove these chains are not gold. Also the statement from the merchant 's bank stating I was sold other items makes no sense. They are lying I have the receipt showing the four items I was sold. I do not understand how my credit card Capital One which I've had since XXXX and Visa don't see the problem. I was sold fake gold, period. I have all the proof and also I was scammed and lost {$6500.00}. The reply from Capital One dated XX/XX/XXXX makes absolutely no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Carvana Group, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was essentially charged an extra payment and late fees with Carvana after they didn't automatically withdraw my vehicle payment out of my checking account. This has negatively impacted my life. I phoned Carvana giving them my new checking information and the rep assured me the payments were set up for automatic withdraw. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: NC
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:
I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, Equifax & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & Transunion

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 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To whom it may concern : This is my second request to your company about some late payments from XXXX to XXXX. 
I would greatly appreciate if you could make a goodwill adjustment these late payments are affecting my life, I'm a trying to pursue a career in business which would be a more financial rewarding career, as you may know these late payment with XXXX XXXX XXXX XXXX are negatively affecting my credit score and my good name. 
I'm also trying to get a mortgage, and because of these negative masks i'm unable to obtain. 
I have been on time and have enroll in auto pay to prevent this from happening again. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payments as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX XXXX believes in their customers and i humbly request your consideration to allow me to pursue the career of my dreams.I appreciate your time and look forward to receiving a favorable decision from you department soon. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I set my ace cash express account to automatic payments only to find out for some reason my account was sent to collections without notice but should have been paid in full. Due to this, I needed credit today but was denied due to an account that should have been paid in full due to automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a Bank of America prepaid visa card which XXXX company sent me a year ago as a partial refund for damaged goods. I received the card a year ago and it expired on XX/XX/2021, which was a month ago. I found out that Bank of America took all the remaining balance ( over {$100.00} ) off the card upon expiration. I was never told about this kind of charge when I received the card, so I contacted Bank of America on XX/XX/2021 to see if I can get my balance back. However, the BOA representative told me she can not return the money back to me.

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 2021-07-05
Company: EQUIFAX, 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 am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


1. This account resulted due to identity theft. 
Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: PA
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:
These inquiries is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These inquiries is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b I

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 2018-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late  payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

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 2018-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX  my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
in XX/XX/XXXX, Chase bought out my lease with XXXX XXXX. There were multiple communications between me, the branch I went to in order to complete the transaction and the title department at Chase which resulted in me submitting the same paperwork each time. I received no more communication from Chase on the matter after the last paperwork I sent in. In XX/XX/XXXX, I tried to trade in the car only to discover that I wasn't able to because Chase still had not filed the lien on the car. When I called, the title department stated that they never received the title from XXXX. I called XXXX and they advised me of the date and confirmed receipt of the release they sent to Chase. They issued a duplicate in XXXX and I confirmed it was received in XXXX from Chase Customer service. I have called several times since then and have not received any movement on the matter. No one will transfer me to the title department but only say that I'll get a call back in 10 days and no one ever calls me or if they do, they don't leave a message. The last excuse I received from customer service was that they are moving the titles department to another state. There is no excuse for taking nearly three years to title a car. Today I received a XXXX XXXX package from Chase asking me to fill out yet ANOTHER title application and have XXXX sign it. This is not possible for me to do as XXXX has closed my account, released the lien to Chase and has sent duplicate titles. I can't call them because I no longer have an account with them and quite frankly, I'm the one who had to reach out to my connections with them in the first place to get you a duplicate title because you wouldn't. I don't want to continue to do the job that Chase should be doing. I've even reached out to people that I know who work there and we still can't seem to get this sorted out. I work in the auto finance industry and we wouldn't be in business if we did stuff like this. I also know there are ways you can get this done without me having to do all the things you've requested. I have been trying for 8 months now to get this resolved and this is the last resort for me. I did not want to have to complain as I have tried to work with Chase many times and often. This is a last resort. My car is sitting in my garage, taking up space, I don't want to put miles on it and I'm paying on a car I'm not using. I need this fixed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CW Financial
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 at XXXX XXXX  I received a call from a woman claiming to be from " Crestwood Management Group '' claiming I owe money from 11 years ago from a payday loan I never took. As she threatened court action, she claimed a bank ( which I currently have an account at ) is claiming I owe money. Clearly at this point I realize it's a scam. She refused to repeat her name and finished off with " I'll see you in court ''. The woman was very well spoken and without an accent, she seemed genuine but I suppose that's part of the trick. I've confirmed I have no debt or owe any loans. Someone could have easily fallen for this.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-25
Company: First Direct Mediation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, A company by the name of First Direct Mediation contacted my mother and stated that they needed to speak with me about an important business matter. When I called that day, no one answered the phone. I got a phone call on XX/XX/2020 from my ex husband stating that the same individual from that company called and left a voice mail that they were a litigation service on behalf of the school district ( that I work for ) and that a client of the school made a complaint against me. My ex husband was upset because we have not had contact in years, certainly not in the time that the claimed debt, was owed and he was never used as a reference. When I called the number my ex husband gave me, no one answered by First Direct Mediation. They instead asked me how they can direct my call and why I was calling. When I told them I got a call and my name, they switched me over to a Mr. XXXX ( or XXXX ). He confirmed that the debt was passed down from a loan company. He asked if I ever truly intended to pay on this bill and that I was a liar and lying to him. When I asked him about the amount, not only did the amount not match, but the amount I paid and owed was also grossly overstated. I advised him that I would be calling the company direct to confirm where the debt had been sent to. He stated that it's fine and he'll be ready when I call back because they can't help me. After I hung up with him, I called the loan company,. I was advised that my loan had been transfered to collections and the collection company is XXXX XXXX XXXX. She gave me the phone number and this company is not in any way affiliated with First Direct Mediation. They also advised me that there were a number of complaints by customers against First Direct Meditation and others for scams. They do not send their past due accounts to any business by that name. It is obviously a hoax or scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 been a victim of Fraud. I provided the proper information and my claim was not honored.

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 2020-08-27
Company: SYNCHRONY FINANCIAL
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2018-02-16
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
RMS ( aka Reverse Mortgage Solutions, XXXX, TN ) periodically tries to find ways of putting our contract in foreclosure. Most recently an attempt was made to justify this behavior by claiming that our home had been uninsured. First we where asked to prove that we had hazard insurance. Have you ever heard of homeowners insurance that didn't include hazard insurance? Our insurance company supplied the necessary proof. 
Then they came back with the claim that we weren't insured in XX/XX/XXXX. Again our insurance agent supplied the necessary proof. 
Two weeks later we received a certified letter informing us that we were now in foreclosure. 
We contacted the mortgage company on a conference call with our insurance company who informed RMS that they had sent all relevant proof by fax. The relevant proof has been sent again. It should be noted that the foreclosure document is dated XX/XX/XXXX. It was received XXXX. 
It made no sense to us the RMS would try to foreclose on an insurance detail that occurred in XX/XX/XXXX and that had never before been raised as an issue. 
This company has demonstrated a pattern of creating pretexts for harassment. 
It needs to be stopped and brought to the attention of relevant regulatory agencies.

Company response to consumer: Closed with explanation