BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2015 I contacted Capital One Auto Finance via online message. I advised them I was ill and in the process of going on XXXX and that I wished to make arrangements to satisfy my contractual obligation to my auto loan. I advised them I could continue paying monthly once my XXXX payments begin and asked to defer a payment or for help with an arrangement. They responded and advised me to call in and request the deferral and arrangements as well as offer to fax my medical documentation. I did as they asked, and was told that even though I am past due 1 payment, I do not qualify for any hardship plans or assistance. I have made numerous calls to Capital One asking for help with an arrangement and am constantly being told I do not qualify because I am not past due enough. I have been encouraged by Capital One Auto finance to fall further past due as I may qualify once I get more than a payment past due. It is my opinion that Capital One Auto Finance is violating my rights under the FDCPA by misleading me with different information each time I call. Further, why would a lender encourage a customer to fall behind which will generate more late fees and financial stress? I got a letter post marked XXXX/XXXX/2015 accusing me of not honoring the contract to pay on time. The letter further states " while we have accepted late payments in the past, we did not waive our right to enforce the contract ''. It goes on to state they intend to strictly enforce the contract in the future and threatens to exercise its rights to " accelerate the debt and repossess the collateral ( the car ). '' This statement is an obvious violation of FDCPA as it threatens the consumer with misleading reporting, collection tactics and consequences. Further, this letter accuses me of being in " default '' when I simply past due 1 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a phone call a week ago from number ( XXXXMO, USA which was Kohls asking me to pay for my debt that I owed to them, which is {$200.00}. I told them at the time that I could not afford to pay the bill. They asked me if I could make payments, and I told them no. ( side note I am currently waiting for my tax return and that was to exactly 1 week ago today. ) This past weekend I started to receive repetitive from phone calls from ( XXXX ) XXXX starting on Saturday. ( Sidenote : this is not the XXXX time I have gotten my multiple phone calls in XXXX day from a unknown number ; please see attached images of my phone log. ) I received XXXX phone calls on Saturday from XXXX XXXX to XXXX XXXX. I received XXXX on Sunday from the hours of XXXX XXXX to XXXX XXXX. Today Monday, XXXX XXXX I received XXXX phone calls between the hours of XXXX XXXX and XXXX XXXX. I have already told them in the month of XXXX that I am unable to make a payment to them, yet I still have been receiving phone calls from them. I understand that I 'm not answering my phone but I work XXXX so I m not going to stress myself or talk on the phone at work. Every phone call that goes to voicemail is just dead air it is really getting on my nerves. 

Over the past month from XXXX XXXX to today I have received a total of XXXX phone calls from XXXX different numbers. The other number is XXXX XXXX XXXX XXXX. 

It is unbelievable how many times they have called in less than a month. XXXX was just as bad in XXXX. XXXX phone calls. I never answered their phone call. I ca n't make them any sort of promises right now. But the phone calls from them came from numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They stopped calling on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a letter confirming the refund of the disputed amount the the company decided on my favor. It said on the letter that after 7 to 10 bussisnes days I should received my money, until this day the company hasnt done anything. Several call and none pf the department hace any respond

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 2022-04-11
Company: EQUIFAX, 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:
Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Atlanticus Services Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2021 I Purchased an item from XXXX for XXXX. An authorization hold was placed on my card ending in XXXX. The store I ordered the item from did not have the item in stock so they cancelled the order. The authorization hold was removed and returned the following day XX/XX/2021 by XXXX Transaction # ending in XXXX. Today is XX/XX/2021 I have reached out to Fortiva Customer Service via telephone and chat multiple times totalling 10 or more. They refuse to refund this money saying it has not been refunded. I contacted XXXX customer service again obtained screenshots from there computer systems showing the transactions and refunds again Fortiva said it could take up to 30 days. This is not the only refund I was owed I. Owed refund from multiple retailers totalling around {$200.00} However when I threatened to contact the XXXX my entire account history and all transactions were erased from my account. They are not accessable online or by telephone. I refuse to pay this bill until the proper adjustments are made. I am now over the limit when I should only have a balance of around {$200.00}. This company lied multiple times and has broken numerous Debt Laws. When threatened with CFBP my entire account history has been erased now I have no idea what they have charged me and for what transaction or when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
CapitalOne closed my account without any notice on XX/XX/2107. At the time of closure there were many transactions which were pending, and Capitalone never issued me rewards earned for pending transactions. 
The rewards amount by the end of XXXX was {$14000.00} The rewards credited to my account during the time of closure are {$14000.00}. 
That means rewards earned for the month of XXXX before closure are {$470.00}. The total transaction amount for the month of XXXX is {$37000.00}, and we expect 2 % in rewards which is {$740.00}. With that said we still missing {$260.00} rewards. 
Since this account closure is done by Capitaone they should issue me rewards for each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Ballybunion Enterprises, Inc
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of credit card fraud or identity theft. I looked on my credit report and saw a bunch of different credit cards from capitol one and also saw some strange looking items from strange companies and a doctor office. I would like all of these credit cards and charges removed from my credit. please respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 I filed a dispute because Id been a victim of scam. XXXX XXXX I submitted proof that Id not received any items. Ive called several times just to be told it can take up to 70 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To CFPB, I requested XXXX, TransUnion, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$300.00} cash to my checking account at Chase Bank through the Chase bank ATM on XX/XX/22 at XXXX. The money deposited did not get to my checking account. I called Chase bank many times for my deposit that never got to my account but to no avail. I spoke with XXXX XXXX XXXXXXXX for Chase about the deposit, she said it will take 10 to 12 days to reflect on my account. I need my money to pay bills. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions 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:
Someone seems to be using my personal information and this is identity fraud. I have several accounts on my credit that I never have had or used. They go by XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never done business with these companies. Please help 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 2022-09-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX Bank, XXXX XXXX, PA XXXX charged my bank account {$610.00} for a late payment which included late fees and penalties I missed a payment of {$490.00} but within 30 day I was charged {$610.00} which over a 60 % rate for less than 30 days This happened on XX/XX/2022 with confirmation number XXXX and I want XXXX Bank to stop charging these outrageous fees and penalties to their customers

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 2022-09-03
Company: EQUIFAX, INC.
State: OR
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:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I receive cold calls from debt collections needing for me to pay for a loan im unaware of what it is and they will not give me any other information as to who is needing the money. I informed them I only have to  XXXX  types of loans and that is a federal and a private. They explain the loan that I have is neither regarding my educational loan and unbeknownst to me is absurd. Now my wages are being garnished by a collection agency who can sent a doc in regards to the loan terms in which I had explain I received when I was attending  XXXX  College. It is currently being handled by  XXXX . I constantly monitor all my loan payments one which is through  XXXX  and the other is through the FED. It is a scam how I cant see who the creditor and the requesting entity needing their payment. I need help asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In  XXXX    XXXX  , while a checking counter at a  XXXX   Sam 's Club ( No.   XXXX  ), the cashier suggested that I might qualify for a store credit card with a 5 % cash back benefit. I mentioned that I was not interested in just a store card, rather I would be interested only if the card included other benefits including cash back on purchases. She assured me that was the case. I told her to go ahead and apply for the card for me. I gave her my personal information as well as my Club membership information. I was approved within minutes and I used the card immediately for the store purchases.     A few weeks later I received the card in the mail and kept on using it at the Store and nearby Wal-Mart. I noticed it was a store card and was only limited to the  XXXX  stores. After the first and second statement cycles, I also noticed there was n't any cashback credited to my account. On  XXXX   XXXX , I called the SYNCHRONY BANK, which owns the card. I explained my disappointment and inquired if there was an error or a kind of bait and switch.     I was shocked to learn that even though the store clerk explained that they were applying for me a card with cash back benefits, they automatically applied for a second card without benefits once the first application was declined. So when I was approved it was the second card from the same bank and not the one I had originally applied for. Worse, they never told me that was the case, rather they went on to apply for the card that I did not agree to nor consent to. The Bank representative said there is nothing they can do except file a complaint on my behalf. There seems to be no recourse with the Bank  or Sam 's Club.      This is highly irregular to open a customer account different from the one offered without giving the customer the opportunity to decline. It is possible the store card are less popular so they bait customers with cash back credit cards and then switch them when they do n't qualify to the more beneficial card for the customer.     I am afraid to cancel the card after using it the last two months, fearing it might impact my fragile  credit score.

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 2022-04-11
Company: EQUIFAX, INC.
State: SC
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: World Acceptance Corporation
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I went and took out a loan with world accptance in XXXX ok. I took out insurance incase anything happen to the security i use to secure the note. about 6 months after i took the loan out i was in a flood and submitted pics and everything of the lost computer and electronics. they told me it would be handle in 30 days and the note should be paid off. 4 months pass and some random lady came to my house saying i owe them XXXX dollars. She remember me and said she did not know why the insurance didnt pay yet. so i call them and they said the branch manager didnt turn my stuff in and they change branch mangement right before this they did not have any supporting evdeince to file my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions 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:
EXPERIAN neglected to verifyValidate the account from XXXX XXXX XXXX before placing that heavily manipulated inaccurate account on my credit report. XXXX XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion XXXX XXXX XXXX   purchased the CLOSED DELETED XXXX XXXX  ACCOUNT # XXXX from XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX THEN RE-AGED the 5 year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX  XXXX  account to EXPERIAN and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. XXXX XXXX XXXX MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for EXPERIAN to not independently investigate the dispute that I submitted relating to XXXX XXXX XXXX. It is a violation for EXPERIAN TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. EXPERIAN has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which EXPERIAN must abide/adhere to. EXPERIAN reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. EXPERIAN should be held accountable for purposely/knowingly assisting in damaging my already fragile 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 2015-08-18
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter from XXXX. They say I owe a debt on a membership from 1986. Yes, believe it or not, 1986!!!! I told them I do not have a XXXX. I have n't had a membership to a gym in years. As soon as I was dumb enough to call them from the letter, they got my phone number. They call me XXXX or XXXX times a day. I asked them what was the amount of the debt and they tell me XXXX that is current. I say ... current from 1986? These people continue to fish for more and more information. I am actually scared these people will continue to try to get info from me and try to get more info and use it against me. 

ABC FinancialXXXX XXXX XXXX, AR XXXXXXXXHow can we stop them? What are my rights?

Company response to consumer: Closed with explanation