BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 XXXX XXXX XXXX, XXXX sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit XXXX or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My standard loan payment is {$900.00}. I have this setup as an autodraft. Loancare, my mortgage servicing provider, withdrew {$5900.00} from my account on XX/XX/2019. The sent my account balance into negative and causing me to scramble to get my account back to positive and cover other planned expenses. 

Prior to the autodraft date of XX/XX/XXXX, on or around XX/XX/2019 I logged into the webportal for my loan and noticed the next scheduled withdraw of {$5900.00}. In disbelief, I immediately contacted customer service ( wait time >45mins ). The lady I spoke with stated it was a typo in the system, and they will only withdraw the statement amount ( {$900.00} ). The next day XX/XX/XXXX, as I can not take the risk of this large withdraw. After speaking with multiple people over an hour period, I was told there is nothing that can be done and they are not sure what will be withdrawn from my account the following morning. They did at this time acknowledge the mistake. The following day {$5900.00} was taken from my account. Another phone call led to me emailing a copy of the pending charge from my bank account, with the promise of a check being sent overnight to reimburse. I was told at this time I will receive a follow up call with a tracking number for the check. No call came, no check came. Monday XX/XX/XXXX I called looking for some answers. I get a different supervisor with little knowledge of the situation. She finally is able to see that a check was not issued because the charge was listed as " pending '' on the emailed statement. I then provided another statement, as was told they check will be sent. I asked for a follow up call with the tracking number. Again, no call. Finally, Wednesday XX/XX/XXXX I get a call stating that a check will be issued for overnight delivery. Friday XX/XX/XXXX, after countless hours on the phone, multiple trips to the bank, stress over other bills, etc. I did receive the check for the amount of {$5000.00}.

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 2018-04-04
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: Information belongs to someone else

Complaint:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2022-12-17
Company: Thaxton Investment Corporation
State: SC
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:
In accordance with the fair credit Reporting acXXXX XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX , Experian , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted Experian first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

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 2020-07-05
Company: EQUIFAX, 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:
XXXX, Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I will fight this case I promise. This is not the first time Wells Fargo has SCAMMED its customers. You guys already had a fraud case. People lose millions of dollars to Wells Fargo.

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 2019-08-11
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:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX  XX/XX/XXXX {$750.00} XXXX XXXX  XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX  XXXX XXXX XX/XX/XXXX {$370.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX  XXXX XX/XX/XXXX {$2.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX  XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX  XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2018-04-04
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 fraud alerts or security freezes

Complaint:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX  XXXX XXXX XXXX and TransUnion They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX and had he same issues with them. I was unable to get in touch with a person. Next, I contacted TransUnion, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

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 2022-02-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase bank is kind of forcing a debt on my business account by charging {$15.00} service charge on a {$0.00} balance, when i try to close the account.The {$11.00} owed should be removed from my credit report. 
I also tried to dispute through XXXX credit bureau but the system would not allow me. 
what kind of a scheme is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity XXXX Repeated calls and voicemails from XXXX - More than 4 times a day Multiple Private Numbers - 10 times in 2 days multiple voicemails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX University, XXXX, KS to receive my XXXX degree. I have been paying on my student loan since 2006. We were making our payments and expected that some of the money would be applied toward the principle of the loan. The loan service company kept increasing my payment amount. We kept making payments. I taught at a high risk school XXXX XXXX  for 5 years and applied for the loan forgiveness. This was never applied to my loan from my school district and they said my loan didn't qualify. A few years later, I got sick with XXXX and again the loan amounts kept increasing. We were trying to juggle payments of medical expenses with the expense of my school loan. I then asked for a forbearance time on the loan. At this time, we found out that no monies has ever been applied to the principle of the student loan. It is still the exact same amount that it was in 2006 when I started making payments to this loan. When I have asked them about why there is no money being paid to the principle they said the loan terms can not be changed. I told them that doesn't even make sense. When you apply for a car loan or house loan you pay interest and principle with gradual reduction of interest amount and more money being applied to the principle throughout the age of the loan. They said nope, that is not how this loan works. They have no intention of this loan ever being paid off. The only thing they are interested is the interest. They keep increasing the payments of interest. That is the only thing that keeps changing with the loan. I have told them I am not interested in making payments to them until they stop charging me interest and apply the money to the principle. I have previously paid off a student loan for my first degree and was paid off within a couple years. This is ridiculous. There will never be any resolve to this. Also, when the president proclaimed to stop interest on student loans, again their response was that my loan did not qualify and that I still need to keep making their outrageous payments. This loan is due to a XXXX  degree that I can no longer use. I am no longer able to teach due to XXXX treatments and health issues. I need some help due to my illness and also resolving the issue that all that money we paid for 15 years and the money my school district paid for loan forgiveness that was not applied to the loan. This is all fraud. This loan is through American Education Services. I feel they have been fraudulent and I have paid excessive interest amounts. This loan should have been paid off years ago if they had stuck to the original terms and percentages. They say the terms can not change, yet they have changed the terms to higher and higher percentages and no money has ever been applied to the principle. There are 2 parts to the loan. Loan 1, XXXX, {$11000.00} and Loan 2, XXXX, {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XX/XX/XXXX my husband and I signed a joint loan contract with Capital One at one of their approved auto dealers. A month later we had not been provided with additional information from Capital One in regards to our account number or how to make payments. We had however received our XXXX issued title with Capital One listed as the lienholder. I contacted Capital One on XX/XX/XXXX to obtain this information and was told that the contract had not been received and we would need to speak with the dealer. My husband spoke with the dealer the same day and was provided with documentation showing that Capital One did receive this documentation on XX/XX/XXXX. On XX/XX/XXXX I contacted Capital One again to try and resolve this situation and was told that the documents that were signed on XX/XX/XXXX had expired and we would need to return to the dealer to sign new documentation and our credit would be pulled a second time. The next day my husband and I received notifications from XXXX XXXX that their had been a new inquiry on our credit from Capital One. I contacted Capital One again today and was advised by a supervisor that the contract had expired, but the credit application had not which is why credit was pulled a second time. This contradicted what I had been told on XXXX as the representative on that call had stated that new documents would need to be signed before credit would be pulled again. Additionally Capital One stated that as the second credit inquiry had caused mine and my husband 's credit scores to drop they could not guarantee that the new loan would have the same terms as what was outlined in the initial contract signed on XX/XX/XXXX or that the second application would be approved. As a result of this error that was not caused by me or my husband Capital One will now be offering credit at less favorable terms than the original signed loan contract, or decline this second application all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX both for travel overseas and military training. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. We have sent another letter to the CEO showing evidence of our travels and military duty.

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

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 2020-09-01
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:
I recently purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$68.00} on XX/XX/2020 through XXXX from Ace Prospect International Limited with my credit card from Capital One. I contacted Capital One on XX/XX/2020 to file a dispute with the company. The company sent a via ups Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX  customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was made through XXXX which have my correct address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise. 
contacted customer Capital One service and I was getting the run around on the phone for about 42 minutes the last person I spoke was XXXX from fraud that kept me on hold after asking her to speak to a supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX headquartered in Tennessee, along with their 3rd party debt collector, are trying to not only steal money from me, but are  ignoring my complaints. XXXX is a XXXX XXXX XXXX  treatment company in which I signed up for a half off discount on laser services. I only went for 4 XXXX and not only did they not work, I became XXXX and could no longer drive to XXXX. Also, with a compromised XXXX XXXX, I can't get XXXX  on my XXXX  yet they are still charging me {$75.00} a month. They have already sucked {$1000.00} out of my bank account and now want $ XXXX even though I stopped getting treatments over a year ago. I talked to the director of XXXX XXXX, and she told me she didn't know why they were charging me that much, yet she said she can't do anything about it. That is not the way to conduct business. I wrote the director again a couple of days ago because I found out that GreenSky has a class-action lawsuit against them and over XXXX complaints on this sight. Nobody is helping me. They are pretty much stealing from a low-income XXXX citizen.

Company response to consumer: Closed with explanation