BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/XXXX, I received a call from my mortgage officer that there was a fraudulent account reported by Capital One Bank on my credit report. I have no knowledge of this account, have never paid or received a bill. I was told that the account ends in XXXX. Now, Capital One is reporting to XXXX  that the account number is XXXX. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for a Capital One account ending with XXXX or XXXX. I immediately called the Capital One phone number XXXX, asked for Security, spoke to a rep ( XXXX ), who opened Case Number XXXX. She explained that their policy was to stop reporting this account to the three reporting agencies, conduct an investigation, and respond back in XXXX days. Received a blank Identity Fraud Information Form from Capital One on XX/XX/XXXX, completed and sent it to their fax number XXXX with my MD Drivers License photo and SSN card. I have placed calls to find out the status of my report with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or that it is my account because someone stole my personal credentials. The account is still showing on two of the three reporting agencies. I have filed a dispute with XXXX XXXX, and XXXX. Only XXXX has resolved this issue. I have received XXXX Dispute Confirmation XXXX to find that Capital One has deceitfully switched the fraudulent account number to XXXX. I need to have this issue straightened out and am upset that I have continued to be a victim of Identity Theft. I believe that Capital One has not worked on this investigation properly and very irresponsible in not contacting me on the status or trying to resolve this issue. I am unable to understand why this bank runs media advertisements to present themselves as an outstanding company when they are unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and Im still unable to have them stop reporting this fraudulent account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For starters, I am concerned about the very high interest rate that I 'm currently paying on my mortgage with Green Tree ( 11 % ). I was told that this is considered a predatory loan and since my loan was not originally taken out with them but was transferred without my knowledge or control, I am eligible for a lower interest rate, refinance or modification. Unfortunately, Green Tree has denied each of the said requests. Whenever documents are submitted they conveniently lose them or say that they never received them. Customer service is horrible with this company! I recently submitted a letter of request to have my escrow account deleted as I will pay my property taxes on my own and to date, they have yet to respond or honor my request. I would like information on how I can get out of this loan and refinace my home for the {$43000.00} plus amount that I currently owe at a much lower interest rate and principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Selene Finance LP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Here is the complaint that I have submitted now 4 times.....We are on our XXXX bank because
our loan continues to get sold. the complaint is with Selene Financial. We were working
on a loan modification which would involve taking off the mortgage an ex wife and
adding XXXX onto the mortgage. It also involved reducing our mortgage to fair
market value. After months and months of paperwork and waiting we finally made a
deal and were told the ex wife would be removed,XXXX and XXXX would
be added and the mortgage reduced to $XXXX. This was XX/XX/2016. The
stipulation was we have to make 3 consecutive payments of $XXXX and after the 3rd
payment the new loan would take effect. We made our payments as instructed and the
day before the 3rd payment was due we were told our loan would be sold. When asking
if they can get the modification done first I was told (see attached) the the new loan
company would honor the agreement. That was the last I was able to communicate with
our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the
paperwork as there is no way we should have to do it all over again. We held up our
end of the bargain now Selene needed to follow through with theirs. I found it
interesting that they made the deal with us the same day the loan was sold even
though we were not notified it sold until XX/XX/XXXX....This actually been a two year
ordeal..the bank before Selene was horrifying as well and I had made a complaint to
you about them. They conveniently sold our loan to Selene before ever doing a loan
mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a
company to follow through with their promises. We called the new bank, XXXX
and they said they don't have everything and they still have the old mortgage and the
original names. Meaning nothing of the new deal that Selene promised us is in their
records. What I want is our loan Mod that Selene agreed to be in place ASAP with no
more paperwork' It should have just transferred over since we did what we were
supposed to do.The latest response from Selene was that we need to communicate
with the new mortgage company and that they "should" honor the agreement we had
with Selene. The problem is the new mortgage company has no paperwork on us, no
proof from Selene that this agreement was ever made. We need Selene to give the new
mortgage company (XXXX)  a detailed laetter describing the agteement we had with them which is 1. removing XXXX from the loan. 2. Adding XXXX and XXXX to the loan. 3. Reducing the mortgage to fair market value of $XXXX. We need this done immediately! This has gone on for MONTHS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards 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 2021-06-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I also had my gym bag stolen and it had my personal information in it. I also was a victim of the XXXX data breech. I paid the debt to this company then they kept on harassing me and saying I owed more and more then I realized this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I RECEIVED AN ALERT ON MY XXXX REPORT FOR A COLLECTION ON XX/XX/XXXX. THE COLLECTION AGENCY IS MIDWEST RECOVERY SYSTEM IN BEHALF OF XXXX THE ORIGINAL CREDITOR. THIS IS AN ALLEGED PAYDAY LOAN THAT WAS BORROWED BACK IN XX/XX/XXXX. I HAVE NEVER GOTTEN A PAYDAY LOAN FROM THEM. I CONTACTED THEM AND TOLD THEM THAT THIS IS A SCAM. I ALSO CONTACTED ALL XXXX OF THE MAJOR CREDIT BUREAU. THEY HAVE PLACED A FRAUD ALERT ON MY CREDIT REPORT BECAUSE THIS COLLECTION APPEARS ON MY REPORT. THESE PEOPLE ARE SCAMS ARTIST BOTH MIDWEST RECOVERY SYSTEM AND XXXX. I DID ONLINE SEARCHES ON BOTH AND I SAW THAT THIS HAPPEN TO ALOT OF PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX  Saturday, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my son, XXXX years old, was contacted by a person who identified themselves as a Chase bank employee ( where he banks ) and was able to get him to provide them with his banking information, sign in, account numbers, debit card number, social security number. They said there were issues with the account and needed to check XXXX  and have him XXXX XXXX, all funds would be returned. He did as they asked and they showed him on his account that the money was returned but right after they would recall the deposit. They also deposited money into his account and had him XXXX  it out. On all occasions they would remove their XXXX  information. The would transfer money from his savings to his checking and then XXXX  it out. They did all this by accessing his account by using the information he provided them. They also picked some charges on his account that were large ( he trains for XXXX  at a facility ) XXXX and XXXX and reversed them by filing a fraudulent claim. 
We filed a fraud claim with Chase bank and they provided a temporary credit of XXXX and sent a text saying they were sending a temporary credit of XXXX dollars, the XXXX was never received in my son 's account and when we called the bank said they are denying the claim because his information was used to access the account. No matter how much I tried to make them understand that he was a victim they kept saying it was him. An actual transaction was done on the last bit of money in my son 's account while I was in the parking lot of the bank. My son was in school and did not have access to his account. Just yesterday ( XX/XX/XXXX ) a debit of XXXX and XXXX was done on my son 's new account making the account overdrawn. I contacted XXXX and they said they took the other credit back and the XXXX was them re reversing the reversal ( I actually already paid that company in cash after it happened ). I asked why were we not notified and they said a letter was sent out, it was days ago and they didn't even allow time for the letter to arrive. I feel the original claim should be filed because this is fraud, they are calling it a scam but they are the same thing, someone depriving someone of their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: ND
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 received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, we traded in the XXXX XXXX XXXX for a XXXX XXXX XXXX at Capital XXXX of XXXX , XXXX. ( will be referred to as Capital for the remainder of this document ) Capital stated they would send payment in full to Kia Finance the next day. Because it was right before the holidays, we were aware there may be a delay in payment being received by Kia Finance but we ( my daughter and I ) would not be responsible for any additional payments to Kia.

I received a call from Kia Finance in XXXX stating my payment on the XXXX was 30 days late and I needed to make a payment immediately to bring my account current. I explained that the car was to be paid off in full by Capital and the payment may be late due to the holidays. Kia stated I will continue to get calls until they received payment. 
I then received a call from Capital stating there was an error in the paperwork sent to Kia Finance, so the check was returned ( which explained why Kia Finance stated my account was overdue ). Capital confirmed they corrected the error and sent the updated paperwork to Kia Finance. My daughter was communicating with Capital via text message to rectify the situation as well. It was our understanding Kia Finance received full payment soon thereafter. 
I received an alert from XXXX ( creditors ) stating my credit ( XXXX ) score dropped 85 points. When I reviewed my credit history, it stated the reason for the drop was Kia Finance. On XX/XX/XXXX Kia Finance lists my account is 30 days past due AND on XX/XX/XXXX, KIA Finance lists my loan is paid in full. Please confirm how my loan is in arrears and paid in full at the same time. When I called Kia Finance to get confirmation, the automated system stated that my account was paid off XX/XX/XXXX, because the check in the amount of {$28000.00} was received on XX/XX/XXXX. 
I also received a letter from Kia dated XX/XX/XXXX indicating the Kia is paid in full. ( attached )

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 2016-12-19
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
This was started when I inquired to do a home-based business for {$99.00}, which was a joke. Then it lead to XXXX contacting us. XXXX said when we sign up with them, we would be getting calls from other people. We were slammed with a multitude of companies for several months and harassed to the point that we regretted signing up. XXXX told us that they would provide us with a successful XXXX business and a custom website. When in fact they have done nothing more than rip us off to the tune of {$13000.00}. 

XXXX XXXX and XXXX XXXX promised that we would receive the best training and support to have a successful online business. We participated in the " coaching '' and did everything we were told we needed to do and made little to no money through XXXX. 

When we got down to the " custom '' website instead of being built by your professionals and customized to our satisfaction as sold we found it was the complete opposite. We spent weeks trying to figure out the logistics on our own with little support doing most of the customizing on our own. By the time the site was built 8+ weeks later it was a complete disappointment given the time it took and effort required on our end. Had this been disclosed upfront we never would have paid them. The " marketing '' efforts done for my site as supplied by you were XXXX links and every XXXX link that we checked was bogus, e.g., blog was in XXXX, blogs made by non-existent people that used bad grammar, posts were found on blogs that had nothing to do with our business. When this was brought to their attention our site was moved from XXXX to XXXX and the $ XXXX month fee was dropped to $ XXXX.We could go on and on about the fact that they shared our information or a host of other issues but what it comes down to is that XXXX deceptively sold us a bogus online business opportunity and I am trying to dispute my charges made on my US Bank card since they did not provide the services that they made me believe that I paid for.

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 2017-04-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My complaint stems from an experience with a  Cha  se consum er credit  card, t  he,   XXXX   XXXX   XXXX  , credit c ard and their deceptive marketing techniques and unexplained interest increases that resulted in usury.   I was a customer for more th an seven year s beginning in  XXXX . I never made a late payment, yet my variable interest rate more than trebled, without notice or explanation in a period of a month. The rate would remain at a usury level until I would close the account, of my own volition in  XXXX .   When I called,   XX/XX/XXXX ,  to inquire about the abrupt and unjustifiable rate increase. I was provided with unsatisfactory justifications and industry jargon in an attempt to placate.   I persisted, eventually speaking w ith a line manager w ho was able to, offer, a one-time interest reversal credit for a, loyal, customer, but purported to be unable to reverse the overall rate increase.   I remained unsatisfied and demanded a justification in writing for the rate increase ; none was forthcoming. I would call back a month later,   XX/XX/XXXX  , to request that the interest rate be returned to the original rate. The servicer refused and I was burdened by their usury until I was able to pay off the balance and close the consumer credit card, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XX/XX/XXXX. I had printed a credit report in XX/XX/XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my equifax credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my XXXX credit report in XXXX of XXXX, I was informed that the date was changed to a time in XX/XX/XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra XXXX years to have items removed from my XXXX credit report when its was verbally expressed and stated on my equifax credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Westcreek Financial
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I placed an order with XXXX XXXXXXXX. I was ensured that all of our furniture would be delivered on the XXXX of XXXX. However my move-in date changed to XX/XX/XXXX so I called the company immediately and let them know. they ensured my furniture would be delivered on the newly scheduled date. ( This did not happen ) days go by and I reach out to Kings furniture ( I have been working with XXXX ( son ) & XXXX ( father/owner ). during my visit I was offered financing through snap financial. XXXX told me that I would make payment to snap once all my furniture had been delivered. he ensured they wouldnt take any money before that and that this was the only lender we would be utilizing. He did let me know about a few other finance companies but I expressed to him that this was my first time so I just wanted to utilize one lender at this time which was snap. Today is XX/XX/XXXX and I have yet to receive my furniture order. I also have a lending company contacting me by the name of : Koalafi stating that I have missed a payment with them? This is impossible as I assured the furniture salesman ( XXXX ) that I did NOT wish to use any other lender besides snap. I do not have my furniture order nor will I be paying Koalafi anything. I do NOT have any business with Koalafi. I will begin my payments with snap once my full order is delivered as this is what was ensured to me by XXXX and to what I agreed upon

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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 information incorrect

Complaint:
The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.

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