BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
The company XXXX XXXX XXXX XXXX ) contacted my Husband on XX/XX/XXXX to tell him that I owed a debt on my XXXX ( XXXX ) and that it has not been paid and if its not paid in full they are going to take our house and file papers to sue us both for the money due. My husband contacted me to have me call them ; they told me that the debt I owed was sent to them from the owner of my account because the payment arrangement I have be making to the company I owe XXXX XXXX XXXX XXXX XXXX ) was not enough to cover what was due and they we're here to settle the matter with my account ( ( arbitration ). The Lady I spoke to told me what my settlement amount was, and what I original owed ( and she proceed to read me my Social security number ) and said if I did not take care of this today that the next day they were schedule to send my papers for court filings for the full amount of {$8000.00} ( after my car was repossessed back in XXXX how much I owed ). The lady then ask me how much I can settle for ; I said {$900.00} maybe, she said okay! I then ask can they do that Amount? she said give me your credit card number and I can check ; then she put me on hold for about 15 min then told me that I would be sent documents that I needed to sign that shows the debt is Paid in Full and no further action can be taken against me for this matter. After I got off the call I was So upset because I felt that if I made arrangements with the Original debt collector XXXX XXXX XXXX XXXX XXXX ) they should have never sent me to a third party to collect all the money at once. I then called the Original debt company XXXX XXXX XXXX XXXX XXXX ) who I am making my auto payments to and told them that it was not fair that they sent me to arbitration to try to collect all the money when we had an payment arrangement ; they proceed to tell me that they Do not and Did not do such a thing and that someone just scammed me ( falsely took my money ) because they are the ONLY owners of my account and no one else has right to collect money on it nor did they send me to another party to collect my debt. I have reported this to the Attorney General ( XXXX XXXX XXXX ) This company is the not a legitimate company because they are collecting on debt that they are not the owner 's of. They need to be should be Sued for falsely misrepresenting and need to be dissolved. I would like an investigation on them and all need all my money sent back to me. 

I did not receive any service from this company, because I still owe this debt and the Credit card company does not want to refund my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Over the months of XXXX and XX/XX/2020, I received refunds to my Chase credit card from XXXX XXXX XXXX for canceled cruises, due to Covid-19. In XXXX I had a balance of {$1900.00} of refunded credit on my Chase credit card account. On XX/XX/2020, I decided to withdraw this balance at an ATM, to be deposited back in my checking account. I discovered at the ATM that I could only withdraw {$500.00} at a time and there would be a XXXX ATM fee. I made withdrawals on XXXX XXXX, and XXXX, for a total of {$1800.00}, leaving enough credited money available to cover the ATM fees. On XX/XX/XXXX, I checked my Chase account to see if the withdrawals were reflected on the credit card balance. That is when I discovered that a {$94.00} Service Fee had been charged to my account for the withdrawal of my accredited funds. I called the Chase complaint department on three occasions, and have spoken to 5 Chase representatives, the last one being, Account Supervisor XXXX in XXXX, FL. She informed me that I was charged Cash Advance fees at the rate of 5 %, and they were nonrefundable. I don't feel these charges apply, since it was my credited money that had been withdrawn not cash advances from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent/LVNV is a Debt collecting agency and has been on my credit report for years just causing damage to my consumer report. I have NO contract or agreement with LVNV. I contacted them numerous of times in XXXX and XXXX requesting validation of debt pursuant to 15 USC 1692. They have only sent me in return basic generated statements. They have added 2 separate accounts in my credit report. These accounts are unverifiable, In addition, They are NOT legally authorized to be collecting any debt from me. Resurgent/LVNV is not licensed in my state FLORIDA. to be collecting from me. They are violating The Fair Credit Reporting Act. 


Account Info : Account Number XXXX XXXX Reported Balance {$780.00} Account Number XXXX XXXX Reported Balance {$710.00} Account Status COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2023 the balance on my car was {$280.00}. Previously I have been making monthly payments of XXXX. Today I saw {$440.00} had been deducted from my bank account, despite the remaining balance of only {$280.00}. I spoke with XXXX at Toyota Financial ( www.toyotafinancial.com ). She said because I had not cancelled my payment information I would continue to be charged {$440.00} every month, forever, even though I have paid the balance on my car. I had never before been told I needed to cancel my bank account to stop the automatic payments. I assumed the automatic payments would stop when the balance was paid, and that I would not be overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Self Financial Inc.
State: NV
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:
I am writing to express my concerns and seek assistance in resolving an issue I am currently facing with a credit building entity known as Self Financial.

Regrettably, I have noticed a discrepancy in the credit reporting from Self Financial, where they have incorrectly reported my balance to the credit bureaus. This occurrence appears to be a violation of my consumer rights, which I believe merits serious attention. 

In an attempt to rectify the situation, I initiated communication with Self Financial, providing them with an opportunity to amend the error. Unfortunately, despite my earnest attempts, there has been no subsequent action taken to rectify this mistake. It is disconcerting to note that my legitimate concerns seem to have been overlooked, a situation that raises questions about the customer experience for other consumers utilizing their platform. 

In light of the gravity of this matter, I am keen to discuss this further with an appropriate representative who could help address and resolve this pressing issue. Please consider this a matter of urgency. 

I appreciate your prompt attention to this matter and look forward to your response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: U.S. BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX, I have an account at the US Bank. Im XXXX, living in XXXX XXXX in an elderly care home. Im physically only able to travel very short distances ( few XXXX meters ) by using a wheel chair. Money from my pension-plan is coming in on my US Bank account on a monthly basis. Since XXXX I have been trying to get money transferred from this US Bank account to my account in the XXXX. The US Bank is refusing to make this possible. They claim the only procedure is a wire-transfer which requires a visit to a branch in person in the US. Clearly this is no option. My son might be able to do this on my behalf, although it clearly is ridiculous to travel to the US for such a procedure. But that would require him to become a signee on my account. I was told adding him as a signee also requires me to visit a branch in person in the US. I have tried to make him signee by sending official paperwork, such as an existing notary statement. All legally translated and authenticated by a court in the XXXX. This should be legally accepted according to the XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XXXX which states that documents verified in this way should be accepted as official documents in de USA for private law. XXXX entered into force for the USA in XXXX. The US Bank refused to accept these documents. They claim it to be policy not to accept foreign documents. XXXX I stopped calling and emailing and sent a letter. The US Bank has still not answered. Not even a confirmation that they are working on the issue. The letter simply asks which procedure to follow to wire money and which procedure to follow to make my son a signee without having to travel to the US. If required can provide copies of emails and letters and official document if needed.

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 2023-07-04
Company: Self Financial Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I paid off the remainder of the credit building loan. After the loan is paid off, they are supposed to send me the payout. It is now XX/XX/XXXX and I still havent received anything. I submitted a complaint before about this, afterwards they sent me a message saying I need to verify my identity by sending in some documents in order to receive payout. I informed them of my special but reasonable circumstances ( I am currently living abroad without a social security card and no realistic way of obtaining one ), however I would still be able to send in the others, which I believe is sufficient to prove my identity. Unfortunately, they are unable to make an exception in my special circumstance, and now my money that I am rightfully owed ( approx. {$500.00} ) is being held indefinitely by this company. If they do not make an exception for my reasonable circumstances, then I will never receive the money I am owed, which is completely unacceptable. I want my money returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have two cards with Capital One Bank. They are abusive and have non-existent customer service. They have frequently used accounts that I had closed to charge payments. 

After a long struggle, I called them and said I wanted to close both accounts. I was promised the accounts would be closed and that I would pay money every month toward the amount due. 

They have already cost me hundreds of dollars by charging inexistent bank accounts. They have clearly gone back on the promise that my accounts would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Nelnet, 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:
The dates i started to write down are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). XXXX is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called XXXX, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). XXXX has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company Nelnet. I've called nelnet and they confirmed the account has a {$0.00} balance. XXXX is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with Nelnet on XXXX XXXX XXXX XXXX The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) BRCLYBANKDE ( XX/XX/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 2023-07-05
Company: SANTANDER HOLDINGS USA, 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:
I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. 12 US Code 83 ( a ) and ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have completed and returned to US Bank all the forms the requested in the bank 's response to my previous complaint. US Bank has not taken any action to return the money to my account. US Bank was negligent in allowing a forged {$10000.00} check to clear my account. The signature showing XXXX XXXX was an obvious forgery. US Bank is responsible for allowing the theft of {$10000.00} from my account. 

CFPB did not even challenge the bank 's response to my previous complaint. CFPB is guilty of not completing its due diligence in pursuing my complaint. 

I expect CFPB to insist that the bank again responds to my complaint. I insist that US Bank returns the {$10000.00} to my account. 

It is the duty of CFPB to instruct US Bank to return my {$10000.00}. {$10000.00} is a lot of money to me. 

US Bank allowed someone to steal {$10000.00} from my account, and CFPB is allowing US Bank to ignore any responsibility for the bank 's negligence. 

I have done nothing wrong. US Bank and CFPB are wrong! US Bank did not stop the theft and CFPB is complicit by not requiring US Bank to return my {$10000.00}.

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 2023-07-06
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Kikoff Inc.
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 am a victim of identity theft .The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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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