BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a auto loan with Capital One Auto Finance that after 6 years was paid off XX/XX/XXXX. While I made payments past the due dates over the 6 year period I had never made a payment 30 days or more past the due date. I am in lending and have been for more than 30 years, I know the rules for reporting and am very aware of payment reporting requirements. My payment due date was the XXXX of the month. In XXXX I made two payments : one on XX/XX/XXXX for the XXXX payment, and the final payment on XX/XX/XXXX. I recently found out this company reported me 30 days late.. .in XX/XX/XXXX. This is a obvious error. I can not be late for XXXX if the account was paid off in XXXX. Again, I have NEVER been 30 days or more late on this account or any account. I filed a dispute with the company on XX/XX/XXXX including all supporting documentation of payments made, which they actually concurred with me. I just received a letter from them dated XX/XX/XXXX stating their reporting is accurate and no change will be made. It is impossible for me to be late the same month I paid them off, and the same month I made 2 payments. It is an obvious error that is negatively impacting my score at a time I am looking at buying a new home in the coming months. This is an egregious error on their part, and the fact they will not correct it is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2016-03-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.

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 2022-11-08
Company: EQUIFAX, INC.
State: NY
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've contacted the account listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. PLEASE CORRECT THIS RIGHT AWAY!!! 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, CAPITAL ONE BANK USA NA add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 REFUSING TO REMOVE A ACCOUNT THAT IS NOT MY 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 explanation
Consumer complaint received 2022-01-24
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with GM FINANCIAL on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but GM FINANCIAL took cash. The Finance charge is supposed to include insurance, but GM FINANCIAL made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, Navient ( Department of Education XXXX XXXX ) submitted an update letter to the three major credit reporting agencies : XXXX, Equifax, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Received a letter from XXXX, XXXX stating that I owe a Paypal debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ).

3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX. Please delete the items as soon as possibl

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I requested a student loan for XXXX but never received the loan because I decided to cancel it before the disbursement. Later only to find out they charged me interest on money I never received. I complained but only got the run around. They continue charging me interest on the interest money they said I owed. They place a bad debt report on my credit causing denial to credit app 's. I set up a repayment plan in which the debit from my bank account only later to charge me all over again saying I never paid. They harassed me every day by calling. Till I paid the the money all over again. Just so they would removed anything they placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX  had a breach. I have included credit report as well as Transunion and both are telling companies I opened cards when I did not

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filing this complaint to inform you of TransUnion willful noncompliance with the Fair Credit Reporting Act, TransUnion continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. TransUnion continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure XXXX possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the XXXX it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly

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 2021-02-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital System has reported to all three credit bureaus and outstanding debt of XXXX. I have never signed a contract with, had any business dealing, nor do I owe Jefferson Capital System. Jefferson Capital System has harassed with phone calls and direct mail, to which I don't know how they obtained my address. I have disputed this with all three bureaus, stating that this is not my account and I am not responsible for this debt. I have not had any success with getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was admitted to the hospital and the finance department failed to inform be before discharge that I had a copay. Hospital did not have current address on file thus unable to provide documentation describing the amount in question. {$100.00}. The amount was paid and I am disclosing receipt.

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 2020-06-16
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account removed successfully from my credit report around XX/XX/XXXX from creditor XXXX in the amount of {$700.00}. They illegally reinserted this debt by not sending me a reinsertion letter on bureaus end or creditors end but this is well within my rights. I disputed the account again and sent credit bureaus reinsertion letter once I seen that they reinserted this account on XX/XX/XXXX also I disputed the inaccuracies on this same account and ask them to remove it. I waited XXXX days for bureaus to investigate and nothing was removed I sent another follow up letter out to them XX/XX/XXXX still nothing. I also sent a debt validation letter to the collection agency that is reporting this account asking them to validate this account or remove it the collection agency sent me a bill for validation which a bill is not validating a debt, they also sent me a letter stating that XXXX still owns the debt but the collection agency is the one that is reporting this inaccurate information on my credit report how could that be? This debt has also been reaged open date has been changed since reinsertion. I have now sent a refusal to validate debt letter to the collection agency XX/XX/XXXX in response to their bill for my validation of debt request. I also sent a intent to file a complaint letter to the bureaus XX/XX/XXXX for failing to investigate and still reporting inaccurate information on my credit report. I know my rights and that is why I am now filing my complaint with you!

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 2017-02-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hi, I have been repaying my student loans since 2000. Since then, it 's been handled by several different companies- the latest being Navient. A few months ago, they contacted me and told me that my fixed loan payment was being increased (! ). I looked online and the balance I had previously been reported to have increased by over {$1000.00}. How is this possible, when I have made all my payments, and on time? When I called and asked for a comprehensive report of all payments made since 2000, as well as an amortization schedule, I was assured I 'd receive one by email. What I got was a report of payments made over the last 4 years. I would like the complete report and an amortization schedule, as well as a comprehensive written explanation as to why my payments/balance were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: OK
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  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 2022-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Cant open any accounts. Never had a checking account with the banks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my 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 explanation
Consumer complaint received 2017-08-16
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Step 1 : What is this complaint about? I complained about Nelnet a few months ago. I have an existing account with CFPB : XXXX. Step 2 : What type of problem are you having? I was not contacted that my income based repayment plan application was not received or offered assistance to complete the application even after they reported to CFBP that they received my complaint.
Step 3 : What happened? I called Friday XX/XX/XXXX at XXXX and spoke to XXXX or XXXX for 9 minutes about my income based repayment plan application. They told me that my income based repayment plan was not currently applied and that I never submitted the application. If you read my complaint you will note that I received an e-mail stating that I was approved for the income based repayment plan. Sure enough, I was offered and I accepted the one month forbearance which just catches up my account. The monthly payment of about {$1500.00} is too much for my income and my credit rating has gone down because of this! Step 4 : What company is this complaint about? Nelnet Step 5 : Who are the people involved? I have the usual contact by email but not on this issue. I spoke to XXXX or XXXX on Friday at XXXX for 9 minutes and explained what had happened and she gave me the one month forbearance. She said, we never received your application for income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX VA XXXXI never applied for a loan Mod on this loan It has been lien stripped via bankruptcy someone did not get the memo I called and verified you got the bankruptcy paper work but someone keeps sending letters. 

Every time I call to update the account they keep asking me to modify a loan ... I tell them it does not exist and to update the files and they hang up on me. 

Please update your files and delete all trade lines for me they have all been discharged via bankruptcy. 

PLEASE READ THE BANKRUPTCY DOCS FULLY!!!!!!! 

SS # XXXXDOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BEING ASSESSED 2- XXXX LATE FEES WITH NJ XXXX XXXX. THIS IS ECONOMIC EMERGENCY " IN PROGRESS ''. COVID 19. I AM SICK. I AM OUT OF WORK. HAVE YOUR CLIENT, NJ XXXXXXXX XXXX " WAIVE '' AS A CURTESY THE LATE FEE PENALTIES. CAN NOT PAY ANYTHING. I AM OUT OF LUCK

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( XXXX ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.

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