BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Dear Capital One Auto, PLEASE LISTEN TO ME. 
On XX/XX/21 I purchased a vehicle online through XX/XX/XXXX It has been nearly two months now and XX/XX/XXXX still can not get the paperwork together to register the vehicle or show a title for the vehicle. First they claimed they were " missing insurance '', I sent it again. Then they claimed they were " missing '' the limited power of attorney paperwork, I signed and sent it again. Now, 2 weeks later, they are " missing '' the limited power of attorney paperwork AGAIN and told me they could not process registering the vehicle because there was a name error on the paperwork, compared to my driver 's license. 
I asked the representative where's the title, I was told XXXX still have not located the vehicle 's title and I am starting to believe all of these " errors and missing documents '' are just a way for them to buy time. 

As a lienholder, you should not fund a deal and have not received the title almost two months after a car deal. I am warning you that this deal is bad and XX/XX/XXXX has thousands of 1-star reviews of them selling vehicles with missing titles and vehicles reported as stolen! 

My temp tag expires next week and I will no longer be able to legally drive this vehicle!!! I have already made my first on-time payment on this vehicle and it's not registered to me, nor do you have the title. 

May Capital One PLEASE give me a manual approval to go purchase another vehicle from a local dealership? I tried applying for Capital One Auto XXXX a few days ago, but the application quickly got denied ( i'm assuming because I just opened a Capital One Auto account ). 

XXXX you PLEASE give me a Capital One XXXX XXXX approval for the same amount and rate as this deal, so I can go find another vehicle at a BETTER and LOCAL dealership. I AM BEGGING!!!!! Once I get the Capital One XXXX XXXX approval and purchase another vehicle, XXXX can take this car back and Capital One unfund this horrible deal. I have 8 days to find another vehicle. PLEASE HELP. 

Contact me here : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: NORTHWEST BANCSHARES INC
State: OH
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:
Paid off vehicle XX/XX/2021. I was receive vehicle title within 15 days. It is approaching 30 days and I still have not received my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: CA
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:
Back on XX/XX/XXXX, I began looking into my credit report because I wanted to make sure I was credit ready for loans. I reviewed my report and it was 90 % flawless. The only thing on my report that was derogatory was a paid collection that was reporting across all three credit bureaus. The only problem with that, is that it did not belong to me. The account said that it was a collection for a XXXX XXXX XXXX. Neither me, my wife, nor any of my children have ever been to XXXX XXXX XXXX. I 've never even heard of them. I swiftly disputed the account with all three credit bureaus. Within 30 days of my dispute I received a notice from both XXXX XXXX and XXXX  showing the account had in fact been erroneous and deleted from my credit report. I did not receive a similar letter from Equifax. I received no letter at all from Equifax. It has now been nearly 4 months and I have yet to receive any notification of any kind from Equifax. This is not the only time this has happened in my househould. My wife had the same problem from Equifax and she started the process long before I did. She started in XXXX of 2016. She even attempted numerous times to no avail. Ultimately she had to contact you and file a complaint on XX/XX/XXXX of this year before Equifax decided to actually respond and delete accounts that did not belong to her and had been deleted by the other 2 credit bureaus months prior. I do not feel like waiting 7 months. Because of what my wife went trough, I did research on this matter and found out that the F.C.R.A. only gives Equifax 30 days to complete a reasonable investigation as well as mail me written results of the investigation. It 's been more than enough time and I will not put up with any lame excuses from Equifax stating that they felt the letter came from a credit repair company so they ignored it. If they do not delete the account from my credit report I will sue them as this has literally cost me plenty of business opportunities as I am a business owner and need my credit to complete large transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: CA
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:
there are 2 inquires i've called about and mailed letters regarding. 


the 2 inquires are from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My husband received an email at XXXX p.m. today, Wednesday XX/XX/2022 addressed to me saying thank you for opening TD checking account. No one opened such account. When the company was contacted we were directed to their fraud department which shut down the account and was informed to call the FTC as well as the credit bureau companies to report this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: OneMain Finance Corporation
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a loan. I asked if they were doing a hard or soft pull on my credit. I was assured that it was a soft pull. I ended up turning down the loan because I did not want it. I had a better offer from a different company. I told them I did not want the loan. I found out from the other company that OneMain did do a hard pull. When I told them I did not want the loan, I asked for a letter within the next seven days because that is how long the other offer through the other company was good for. I was told that was not possible. They were extremely rude and now I can't even get a letter stating that I turned down the loan so I can get the other loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Capital One Wal-Mart Rewards Card in XX/XX/XXXX. I have great credit and was approved no problem. I used the card somewhat frequently up until about 2 weeks ago. I noticed it was closed on my XXXX  XXXX  report. The debt was paid in full. In fact, they owed me {$25.00} in cash back rewards ( that I still haven't seen even though I was told they would mail me a check ). I called to figure out why they closed it. It was because I was XXXX  on XXXX  charges in XXXX. My life is totally different now. I work 3 jobs and one of them is a business I started. Anyway, although I disagree with this policy, I ( somewhat ) agree that they have the right to close the account. I say " somewhat '' because in the paperwork details for this very same card say under the " notice to Ohio residents '' it says due to anti-discrimination they have to offer credit equally to all credit worthy customers. I'd say I fit that description - and they must have agreed because they issued a card! What really bugs me though is that they couldn't have just asked me if I had been XXXX  XXXX  XXXX XXXX  during the screening process. I would have answered honestly and they could have denied me then - without ever having to run my credit. Instead, they do a hard inquiry ( which now I'm stuck with for 2 years ) and then turn around and close the account - which lowers my overall credit. so it hurt my score in 2 ways when a simple question could have avoided this whole situation. If this is their policy is should be advertised and asked about in the screening process. I also feel like, according to their own rules ( of being deemed credit worthy ), they should have to keep the account open - as long as I didn't fall behind or wasn't using it, or whatever reason would be sufficient cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Betterment LLC
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I initiated a transfer of {$3500.00} out of an investment account to a different bank. The micro-deposits to verify the account were successfully completed, and the {$3500.00} was removed from my Betterment investment account. When I still had not received my funds into my checking account on XX/XX/XXXX, I called and emailed support. After a lengthy process of using the online chat, email, and phone calls to support, I learned that Betterment was requesting further verification of my account. I completed this verification step and reached out via email, chat and phone for support on XX/XX/XXXX. I have called every day since, but I have not received any response from Betterment. 

This morning, I called Betterment support and asked to receive a call back when I reached the front of the queue. I received an automated call back 90 minutes later, answered the phone, and continued to sit on hold for 5 minutes before my call was disconnected without anyone answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it 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 explanation
Consumer complaint received 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
XX/XX/XXXX. Receive taped phone call from XXXX XXXX, XXXX, threatening legal proceedings against my husband for a debt that was resolved in a bankruptcy XXXX action between XX/XX/XXXX-XX/XX/XXXX. Said my husband was responsible because he was not named in bankruptcy. Gave her my lawyers name ; she didn't care and said if not resolved by XX/XX/XXXX, a process server would come to our house or place of employment to serve legal action documents. Original holder of debt was Bank of America, but as I said, they were notified of bankruptcy action and they failed to respond. 
These threatening phone calls have been made several times over the course of the last 15 years, always from a different debt collector. This one was just the most recent.

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 2017-12-03
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency Reported to XXXX Credit Bureau ( Below is the information Reported by the collection agency : Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : ERC XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$120.00} Date of 1 st Delinquency : XX/XX/XXXXBalance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information THIS IS A FALSE CLAIM THAT I OWE ERC XXXX XXXX OR ANY OF THEIR SERVICES AN AMOUNT. I HAVE NEVER REQUESTED THEIR SERVICES NOR DO I KNOW OF THIS ACCOUNT. I have already tried to contact the collection agency back in XX/XX/XXXX providing them with my full name and my address, but the collection agency refused to give me detailed information unless i provided them with my Date of Birth and Social Security. The collection agency also refused to give me their full name of the rep i was talking to and the Rep hang up the phone on me. I also disputed this account on XX/XX/XXXX to XXXX Credit Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to trans union and XXXX  and it came back all information verified I dont see how when Date last activity is different trans union have XX/XX/XXXX and XXXX  have XX/XX/XXXX Date Opened : trans union XX/XX/XXXX and XXXX have XXXX.Account Description : tran union have joint account and XXXX have individual accounts.Account Status : trans union have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted

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 2022-06-13
Company: EQUIFAX, INC.
State: IL
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:
Equifax will not investigate and remove inquiries that were fraudulent I talked to several representatives in the fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My bank account was compromised due to fraud in 2017 and chase closed all my accounts and credit cards. It was not my fault at all and they permanently closed all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from Jefferson Capital System. I had previously disputed this account. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Jefferson Capital System Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Jefferson Capital System Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Coinbase, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a Coinbase Debit card in the mail on XX/XX/2022 but I don't have a Coinbase account. 

The debit card was sent to my home address and is in my name. 

I am unable to speak/chat with anyone at Coinbase as I don't have the email address or password for the Coinbase account created in my name. They do not have a way to recover an account using the owner 's social security number. 

Coinbase website states it requires identity verification before issuing a debit card but there is no way for me to use that information to gain access to this account created in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TRANSUNION IS REPORTING AN ACCOUNT FROM XXXX  XXXX XXXX ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2022-01-27
Company: EQUIFAX, INC.
State: KY
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:
The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: UT
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:
inaccurate information continues to be on my credit report. There is no good number to call and speak to a living person to clear up discrepancies. This is extremely frustrating. There are some collection entries on my report that were removed by the hospital.Acct number XXXX The other credit reports have removed, but Experian still shows them. THey show me with a late payment for {$4.00} to XXXX in XX/XX/2019. This is inaccurate. They show a late payment for XXXX which was an agreement with XXXX and should have been removed

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 2022-01-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello ComenityXXXX XXXX XXXX ; My name is XXXX XXXX and I'm really upset right now because I was reviewing my credit report and noticed that you marked me late in XX/XX/XXXX for 30 days. 

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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money {$110.00} out of my checking account that on the month that you marked me late on my credit report. Also, i was also under impression that i was protected under CARES ACT due to the fact i was impacted by covid19. The CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.

Company response to consumer: Closed with explanation