BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I received a credit statement of purchases I did not make or authorize, I contacted Indigo Credit card and notified them of fraud charges, I had paid {$40.00} so accurate account balance is now - & XXXX XXXX dollars they removed the XXXX dollars and closed card and issued me new one of which i will receive in 7-10 days, today XX/XX/2022 i saw they reported debt to credit bureas, XXXX XXXX XXXX XXXX XXXX XXXX, as open and XXXX balance incorrect my credit score also took a hit of XXXX points collectively on all 3 major reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A name that is reported is wrong. The wrong name is XXXX, XXXX, XXXX. My correct name is XXXX XXXX XXXX. The address reported is wrong. The wrong address is XXXX XXXX, XXXXXXXX. The correct addresses are XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove XXXX, XXXX, XXXX and XXXX from my reports. I have never used that name or lived at that address

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: M&T BANK CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on or about XX/XX/XXXX there were funds taking out of my checking account and that I spoke to nave federal as to why I made a agreement that the honored for XX/XX/XXXX in which I was read privacy notice .But every time my payment is due the never could honor the agreement .Going forward so on the XXXX of XXXX monies was put back on a XXXX every XXXX someone excess my account .monies was put back into my account only to take out for XXXX payment toward my go rewards credit card on XX/XX/XXXX again some XXXX took out XXXX. XXXX toward my credit card account in which it wasn't due until XX/XX/XXXX another payment was taking out in the amount of XXXX or XXXX My payment is for XXXX every month and also I made a payment eternal transfer from saving to checking and XXXX XX/XX/XXXX another payment was taking out and my in XXXX it was over XXXX dollars between my savings and checking on XXXX XXXX I was headed to XXXX XXXX and looked at my account to make sure I had moneys for my part and saw that it was XXXX I left in my savings and that someone from navy federal had access my account and took payment for XX/XX/XXXX that was not authorized none where as from XX/XX/XXXX I am not happy at this point because this has been a ongoing problem and hardship for me. at points and times there maybe deposit that family makes eternally they show up as some of the things that goes on with navy Federal to cover up other deposit entering into my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i have called and complained to and on capital one already about this issue and they are saying they can't and won't help me i want my lost wages back or i will sue them. it's not my employer 's fault. they paid me into my capital one account which i closed due to being a victim of identity them my money wanted into my account which I was being watched yes, I failed to report it to capital one prior to closing in it because I didn't know how to. a stranger was watching my online access to XXXX for a XXXX  before i went on a removed them twice i even had old numbers and emails removed by capital one personal that didn't belong to me. XXXX  on the capital one credit card side and checking account side. my ssn is exposed on the dark web and so is my name and dob i can never take that back. i worked hard for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: HireRight Solutions, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have applied for a job XXXX and on my credit report I have XXXX civil case which are not mine. Case # XXXX XXXX XXXX XXXX. I never applied for this loan. Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have never owned a home to have any construction work done on. And case # XXXX XXXX XXXX XXXX XXXX XXXX, that is a fraud case and I would like someone to look into that asap. I have never had any criminal activity on my record and again my name was not XXXX until 2013. My name is also listed as XXXX XXXX XXXX which has never been my name. I was born XXXX XXXX XXXX and married XXXX XXXX, 2013 as XXXX XXXX XXXX. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
I informed Navy Federal Credit Union of my husbands unauthorized use of my credit for line of credit approval. 

My name is not on the checking account. 
I dont have and never had access to line of credit, but listed as a co borrower. 
I requested yo have my name removed due to unauthorized use of my XXXX, which Navy Federal Credit union refusal to remove off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The payoff payment sent on XX/XX/20 via overnight mail in the amount of {$22000.00} is missing from my account. Please locate the payment and post to my account. As of XXXX Chase has not posted the payment to my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Specialized Collection Systems, Inc.
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:
Specialized Collection System, INC. violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. On XX/XX/2022, XX/XX/2022, and XX/XX/2022 ; i received a call from Specialized Collection System , Inc. trying to communicate with me in an attempt to collect a debt. In which, the phone calls i received violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Giggle Finance Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan and I was approved for {$1400.00} and after deducting their XXXX XXXX Origination Fee, they funded me {$1200.00}. So now they said I must payback {$2200.00} ( XXXX weekly payments of {$220.00} ). I have made XXXX payments totaling {$1500.00} and I still have XXXX more payments remaining totaling {$660.00}. 

So that means they loan me {$1200.00}, I am paying like XXXX XXXX on interest por XXXX months loan. 

I didnt know that when I signed for This loan. I try to talk with them to send me the details about the loan they said this is not a loan and I should read this before signed. 

Can you please help me with this situation? This is a lot of money to pay back for a loan. In this short amount of time. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX  sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is simply not providing me with a " XXXX '' score. As a result, I am not able to obtain any credit, let alone credit with fair and reasonable terms. According to their site, reasons for not having a score do not apply to me. For instance, not having a credit history, or being deceased. Also, I have a score with XXXX  and XXXX, therefore Experian 's act is unconscionable to say the least.

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 2016-05-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2020-12-28
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to Debt Recovery solutions on a derogatory collection on my credit. I was never sent any notice to pay, and I do not remember ever using the original creditor. I disputed with the XXXX XXXX and they say it is valid. I then offered DRS to pay in full the amount owed for a deletion of this from my credit report on the grounds that I never received notice, they declined. All I want to do is pay this in full now that Im aware and this be removed from my credit. The outstanding is {$73.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't 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 I 'm 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. 

Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The business failed to refund a credit balance for overpayment due to a glitch in its auto payment function for more than 30 days. As a result, I incurred {$54.00} in overdraft fees from my primary banking institution. I called the business multiple times, first on XX/XX/2022 to request a refund. After being told that a draft was being sent to me that day, one was supposedly sent on XX/XX/2022 ( seven days later ). After 30 days and multiple calls, I was told that a draft was never sent and the business would issue a credit to my account. During this timeframe, I incurred fees as a result of not receiving my refund timely.

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