BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A company by the name of " XXXX XXXX '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " XXXX XXXX '' to validate any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.

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 2021-01-29
Company: EQUIFAX, INC.
State: MN
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:
There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am the president of a mortgage company that obtained a loan for some borrowers in 2003 to buy a home. The seller at the time was " upside down '' on the property on a second mortgage with " Bank One/Chase ''. A short sale agreement was negotiated and obtained from Bank One/Chase. The transaction closed and Bank One/Chase was paid off. Unfortunately " Bank One/Chase '' failed to release their mortgage on the property. 
Fast forward 12 years and the current property owners are now trying to sell their property but can not because the previous owner 's paid off mortgage is still on the property. These owners/sellers/my customers are now angry at me because something was not done correctly by " Bank One/Chase '' 12 years ago. 
We contacted Chase 6 weeks ago and provided them very clear/precise documentation that shows this loan was paid off according to the short sale agreement. We have made numerous follow-up phone calls and do not seem to be making progress. Chase 's " help desk '' response is the " release request was rejected ''. Of course we asked why this was the case and have been told it might take another couple weeks to give an answer to that. The " help desk '' implied that the collection was sold to another party and that party would have to release the mortgage. We pointed out that the old collection has nothing to do with the current home owners and that collection company has no ownership rights to the mortgage on the property since that mortgage was paid off according to the short sale agreement. 
Anyhow we have been told that someone from Chase will be contacting us in the future with an update. We have been told that several times over the last 6 weeks and have never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Nevada Credico, 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:
Quantum Collection reported this account as in collections on XX/XX/2021 there is a second trade line from XXXX XXXX on XX/XX/2021 for the same account. It is my belief the account was transferred out of Quantum Collections office and placed with XXXX. It would appear that Quantum is continuing to report an account they no longer have the legal right to collect on. This is now causing my credit report to have two collections accounts listed for the same account which is showing a much higher amount in collections and is inaccurate as they are not owed money anymore. 

Quantum should have complied with the FCRA and deleted their trade line from my credit when the rights to collect was transferred out of their office

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 2015-05-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a past due on account listed as " XXXX XXXX XXXX '', this account is not mine and has never reported and is just now reporting for the XXXX time with a {$660.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Capital One charged me interest and late fees on top of an annual fee XXXX {$59.00} XXXX for a credit card. They reported me to the Credit Bureau for not paying the {$59.00}, but also reported me for fees and interests ( {$26.00} XXXX for a total of {$82.00}. Charging interest and fees on top of an annual fee is illegal. Supporting documentation is attached. Because I am refinancing my home, the ding on my credit hurt me. They said they would fix it, but that it would take 30-60 days for the Credit to be repaired. Since interest rates are rising, I might now qualify for a lower interest rate now due to the ding on my credit, which could cost me thousands of dollars in the end. I asked for a letter stating the matter had been reversed with the Credit Bureau but they would n't give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax Reporting company is making to many hard inquiries to my credit report. The have listed improper and negative information on my report. I have disputed items several times with them on line and have gotten no satisfaction by their explanations. They have blocked me from using their web site to continue to dispute the information they have listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back in XX/XX/2011 we purchased a XX/XX/2011 XXXX from the dealership. The dealership lied about the contract and stated that I would be a cosigner and I actually ended up being the owner and my daughter the cosigner, who had that time had no credit. The dealership inquired XXXX hits on my credit score. I had received an auto loan with Capital One. My daughter and I both lost our jobs and we fell on hard times. The first time the car was repossessed we borrowed money and we paid a little over {$4500.00} to get car back plus added fees that they had added on. At that time we told them that we were still unemployed and the Capital One representative explained that in order to work out another deal we would have to let the car go in default and that we only owed around XXXX. Before the car got repossessed they refused to work out an affordable payment as they had my daughter paying XXXX every week. We lost our place and became homeless and we were sleeping in our car. Recently the car as been repossessed and they have added on over XXXX dollars in fees and they are threatening to sell our vehicle and it has been paid off we are now paying fees that they keep adding on. The car is paid off and we have requested that the dealership send us the original contract so we can prove to Capital one and they can render us our vehicle. I am getting the original contract and I will submit my the proof that I came up with over XXXX to get my vehicle back the first time and there were a ton of fees included in that as well as the letter they just sent me which was all fees over XXXX XXXX in fees. We have paid so many fees to Capital One during our XXXX and the XXXX has been paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax did not delete both the disputed account and it 's duplicate collections account which is beyond the 7 year statute of limitation for being on a credit report. Equifax instead only deleted the collections item and left the original creditor. The creditor 's item is well beyond the 7 year period of first default, for being on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT, Inquiry : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not 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 explanation
Consumer complaint received 2015-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus refuses to properly service our loan. 
1 ) Seterus refuses to publish 6 years of on time payments to any of the credit bureaus. 
2 ) Seterus refuses to provide monthly statements via mail or online 3 ) No online access to previous or current statements is being made available. 
Seterus told us to send a request via fax to them which they confirmed receipt on, but there has been no written response received in over 30 days. 

Seterus is hindering our ability to rebuild our credit since declaring bankruptcy in 2011. We completed a HAMP modification and have made all payments as agreed since then. We are now eligible for our 6 year ontime payment reward, but it seems that Seterus is doing all they can to have us miss a payment. 

We seek your assistance to remedy this asap. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Other financial service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I purchased a money order pay to the order of District Court of XXXX on XXXX/XXXX/2016. Capitol One Bank stamped money order pay to the order of Capitol One in XXXX XXXX. XXXX XXXX XXXX stamped for deposit only into another Capitol One Bank in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: General Motors Financial Company, Inc.
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We have owned a rental home at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All monthly payments have been paid on time since we have owned it, several years. 
A XXXX Loan. Our payments are made to Seterus Loan number XXXX address : XXXX XXXX, XXXX, XXXX XXXX Tel. # XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The loan was modified through out chapter XXXX Bankruptcy a few years ago. Class XXXX XXXX Bankruptcy XXXX # XXXX. 
Seterus company are holding XXXX of our payments and not crediting it to the loan. They are adding interest and late payments even though all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this 2012 debt off just to remove it from credit reports yet it remains as a negative mark on my credit. The debt was paid online as I was told it would be removed from my credit report quicker this way and I have the deduction for the exact amount ( {$210.00} ) on my bank statement. I would like this negative debt removed from my credit so I can have a score better reflecting my current situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/2015 I disputed XXXX XXXX XXXX XXXX on my Equifax credit report using the online dispute system. I received notice that that information was " Verified ''. On XXXX/XXXX/15 I sent Equifax a request for method of verification as authorized by FCRA 611 ( a ) ( 7 ). ( attached Doc # XXXX ) This request was delivered to Equifax on XXXX/XXXX/2015 ( Attached Doc. # XXXX ). The Fair Credit Reporting Act requires this method of verification be provided no later than XXXX days after receipt of the request. Equifax has failed to provide me with the requested method of verification and therefore is in violation of the FCRA and my rights therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I take care of the finances in our household and I have most bills on autopayments. I was informed by my husband two days ago that he received a call from Nissan Finance that our bill was past due and would be sent into collections. I told him that this bill has always been on auto-payment and I am supposed to be the contact. I could n't understand why the auto payment would have stopped ; there is more than enough money in our account to cover the amount due. My husband is currently across the country on business and said he did n't know and did n't have time to speak to them, as he is at an important business convention. I told him I would go online and look what happened. Next day I went online and tried to login with our username and password. It did not work and prompted me to reregister on the website. I attempted to reregister on the website, but I do not have our complete account number, since we have not recieved any bills mailed from them. My husband then called again and said that they had been calling again, and told him that they have a new website so we had to set up new recurring payments and now our payments are two months past due and they told him they have already but a ding on his credit report. WE DID NOT RECEIVED ANY MAIL, EMAIL, PHONE CALL OR OTHER REGARDING THIS CHANGE THEY MADE TO THEIR WEBSITE. We do n't feel that we have been given proper notice or time to pay our debt before it was put on our credit report. It would have been taken care of immediately had we just been notified. However now we have this blemish on our credit report as well as many fees for something that was not properly communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CITIBANK, N.A.
State: IL
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:
Opened my credit card statement and it shows that I paid the entire balance on the card ( which I do every month ), and I was charged {$14.00} in interest. I called the company and asked them to remove the interest charges, they stated that since the final payment of the month was made after the payment due date of XX/XX/21 ( not the statement closing date of XX/XX/21 ) that they would not remove the charges. I pay off all of my credit cards every month before the statement closing date. This has happened several times in the past and the interest charges have always been removed from the account.

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 monetary relief
Consumer complaint received 2016-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2016 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife and I purchased a 2006 Jeep Grand Cherokee XXXX in XXXX, TN.We financed it thru Capital One Auto Finance, whom I am sure you are aware has had many issues with it 's customers.Well, I did n't just have an issue, I 've had too many issues to list here but let me just say that they have affected my life in a way that is hard to comprehend ... I purchased the vehicle for {$33000.00} with no negative equity from my trade in, because I also signed over a second trade ( JEEP GRAND CHEROKEE ), that was also PAID FOR.The original contract had 16 % Interest with a duration of 66 months @ {$920.00} monthly.That comes to a total of $ XXXX.I have every Statement, Notice and letter that was ever sent to me and I WILL MAKE IT AVAILABLE TO YOU UPON REQUEST.Capital One confirmed and I have all my receipts for 57 payments of {$920.00} which is a total of $ XXXX.Now they have marked my credit as CHARGED OFF and show NO PAYMENTS ON THE ACCOUNT AT ALL.They also have the Balance owed at $ XXXX.This caused my credit to fall over 200 points, making it Impossible to buy a car to go to work, or help my Son get a car.I have had it with this Company and only want to go to work and be a productive citizen.I have been getting all news feeds from the CFB since the day that you opened your doors, and I have confidence that the CFB can mediate this situation and make Capital One realize that they can not take advantage of people in this way anymore.Thank you Very, Very Much XXXX

Company response to consumer: Closed with non-monetary relief