BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe USAA about  XXXX  in credit card debt at 18 % interest. The card is closed. I lost my fulltime job last year when I experienced a health crisis and have been sporadically part time employed since then. I am also going to school this semester to use my post  XXXX  GI bill benefits. I can not pay more than about {$100.00} amount but my bill is usually upwards of {$150.00} and they add a late fee every month. I have asked for a reduced rate and if I could qualify for some sort of hardship program such as  XXXX   XXXX  gave me. They referred me to an in house member debt assistance which told me I do not qualify since I have too much debt to be successful in the program. This has been going on for about 2 months. Recently in the pa st 2 weeks they have started calling every single day at least 3x. Wh oever calls does n't seem to know much about my problems, so I have to explain every single time, I think that they do n't even bother to keep notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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:
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   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 non-monetary relief
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   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 2022-08-16
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, XXXX, & Experian have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 2018-05-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX was statement closing date Balance was XXXX US. At the same statement appears Credits, Fees & Adjustments ( net ) the amount of XXXXus, ending up total new balance of the amount of XXXX. 
I was paying the last two years the payments appears in my statement. I asked numerous of times from Care Credit a written explanation regarding the interest amount but no written explanation given. 

Finally I contact the Care Credit / Synchrony bank on Thursday XX/XX/XXXX at XXXXXXXX. A  representative confirmed the validity of the amount of the medical care card and stated because I failed to pay out the full amount a XXXXUS of two years DIFERRED INTEREST was charge to my account. I explain to her the application was offered from my doctor 's office with free of interest. 

I did receive an email from Care Credit on XX/XX/XXXX increasing my previous balance of XXXX to XXXX, XXXX US more. 

I ask the the representative to help me set monthly payments of XXXXUS. 

She stated '' there is no payment plan available for you now ''. 

I had no other choice but to report the unfair and unprofessional practices of Care Credit card to the Consumer Financial Protection Bureau. 

NOTE : The Care Credit card can be used only for medical purposes. Persons like me with XXXX  XXXX isn't fair treated like that. 
NOTE : I notify the representative I will hire an attorney provide him all the documentation I have bring my case and situation in a Court of Law because the DIFERRED INTEREST CHARGES are OUTRAGEOUS.

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 2017-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is related to a previously filed complaint against U  SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue.
I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am   unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {$10.00} per statement copy for them to provide the copies I need. Since I have been a customer since  XXXX  and during that time I 've had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {$7500.00} in fee 's. Yet, they are n't budging. I gave them  XXXX  options.      1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile.      These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to.     This problem is now causing  XXXX  other issues that have the potential to cost me a lot of money. I am in the middle of a   XXXX   tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are  XXXX  payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on   XXXX   XXXX   XXXX    USAA  shows a payment in the amount of {$100.00} coming from my account, yet only  XXXX  was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit.     I spoke with  USAA  in late  XXXX  and early   XXXX   and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over  XXXX  pages of statements for only  XXXX  account - and that only went back to  XXXX   XXXX  - a full 7 years less than what I was promised on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced my auto loan with another company and paid off my loan with Ally in full. There was an overpayment of {$1800.00} and was told a check would be issued back to me. 

Ally indicated my account was paid in full on XX/XX/XXXX and a check was issued back to me on the XXXX for the overpaid balance ( approx {$1800.00}. ) On Tuesday ( XX/XX/XXXX ) I contacted Ally to ensure I had no misunderstanding and that the check was in the mail ( before making another financial commitment ). The rep assured me it was in the mail and to give it XXXX more days. So I did. ( Note, Ally indicates they have a transcript of this chat, however when I asked for it today they refused to provide me with a copy. ) Today ( XX/XX/XXXX ) no check, so I got in contact with Ally again to confirm the address they sent it to. At this time an agent comes back and tells me the check was never issued and it could be another XXXX days before they issue the check. I went round and round and he said he requested my check to be expedited but it was up to the refund team, so I'm confident he was just trying to put me off. I am concerned they are stealing my money or I'm being swindled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  / {$14000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX {$620.00} / 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 2017-04-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence  to be formal notice that your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The loss  mitigation package was provided to your office on  XXXX / XXXX / 2017  - On  XXXX   XXXX  we left a message for the lender requesting an update to the review - And again on  XXXX   XXXX  - On  XXXX   XXXX  we were able to get in contact with  XXXX  ID #  XXXX  - We were advised by  XXXX  of the docs needed for the review - he advised that if the missing items could be provided the same day that he would enter a request for the FC to be postponed. this has not been done and we are requesting a postponement of the FC for the review to be completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-02
Company: EQUIFAX, INC.
State: AL
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:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Have account on my report thats over 16 years old? Ive have disputed this account as fraudulent for as many years, but to no avail. Now its still on my report 16 years later? 
Name of creditor : XXXX XXXX  Acct date : XX/XX/2013 Amount due : {$130.00}

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 2017-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied  Citi Hilton H  Hono rs visa c redit card by online from  XXXX  on   XXXX   XXXX   and Citibank  accepted my online application, and send me visa card #    XXXX  ending, only reason i applied they offered  XXXX  points promotion online ; earn  XXXX   XXXX   XXXX  honors bonus point, after making $  XXXX  in purchases the first 3 months of account opening, so i already spent $  XXXX  then i asked my promotion points from Citibank, but they denied several times, i called them several times, i faxed their promotion offer copy which i printed from Citibank web page  XXXX  and i mailed either, so far i can not get  XXXX  points.   they manipulate the customers and they lie about online marketing  XXXX  points normally cost $  XXXX  cash value, please help me get my points as they promised on their online offer, i have Citibank web pag  e print i can send you if you need it.
This is a online marketing manipulating & corruption from Citibank.

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 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I took out a loan from  XXXX   XXXX   XXXX . The loan and the auto purchased have both been absorbent. The car has had major mechanical problems since shortly after I purchased it.The car has been in the shop at l east 4-5 times a year. The expenses on the repairs in addition to being underemployed have caused me great difficulties. I contacted Citibank to explain my circumstance. They seemed to be understanding and told me that they the payment could be paid at the back end of the note among other options that were offered to assist. They were not upfront with me.  While I agreed to putting the payment on the back end, I was still being charged excessive fees in addition to late payments being reported.     I do not agree with the additional fees in addition to the late reports on my credit report. I am appalled that this is a car they would finance to begin with because the car was not in the condition that the dealership  XXXX   XXXX   XXXX   XXXX  claimed that it was.I have paid for this c  ar three times over and the car is not in working condition and I still have a balance of {$9300.00}.
I have been cheated with the purchase of the car and the loan company is mislea  ding. I really would like to have the excessive late fee 's removed and the late reports to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
I have contac ted Nelnet and g otten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file i s INCORRECT. I hav e requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history becau se Nelnet sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of Nelnet  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call wi th NELNET  and  XXXX . NELNET ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR. NELNET is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported  by NELNET REMOVED AT ONCE!!!!! IN THE VERY PROOF NELNET HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS OVEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One continued to deny me a credit card. They approved my XXXX card but canceled my Platinum card after one use and never explained why it was canceled. Then, I was approved for another platinum account then I was sent a denial letter with no explanation. 

I want Capital One to honor my application and approval of the platinum card and return it to me with the high credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Figure Technologies, Inc
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was approached by XXXX Customer Service with a link to apply for personal loans of {$25000.00} of 8.693 % APR with a monthly payment of {$510.00} for 60 months with Figure Technologies. Figure Technologies charged a {$750.00} non-refundable origination fee for a five-year {$25000.00} personal loan. On the website of www.figure.com, the APR interest rate is stated as 8.08 % while the loan statement is stated as 9.34 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX my XXXX my XXXX my experian reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information

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