BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! 
However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. 
I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. 
This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! 
I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! 
Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. 
In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Lexington Consumer Advocacy, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I started I was looking for rent to own then the rent to own send me to lexington law to look at my credit was XXXX then was paying them start at XXXX. Then XXXX some were about there then it XXXX. Monthly but nothing was done I have been with the company to fix my credit about a year I am not happy they couldn't tell me what my score was for year when see some was not right with this company I file compliments with XXXX I was paying them to fix my credit an nothing was done I need my refund back

Company response to consumer: Untimely response
Consumer complaint received 2016-04-01
Company: CCS Financial Services, Inc.
State: OR
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 ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Other

Complaint:
I keep receiving credit card pre-approved offers from Capital One Credit Card. I have asked them to stop via phone and have returned mail to them over XXXX times. Still ... they keep mailing them to me. At least every 2 weeks. And, in a two week period I received about XXXX offers via us mail. I would think that their pre-approvals would affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Nickel City Group LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am being sent these text messages, this time from this number ( XXXX ). I have never been sent any communication in the mail. Company name is OFG LLC XXXX XXXX This is not a solicitation We have important documents here in our office pertaining to your name and SSN, pending further review. This is now the 3rd attempt we have tried to reach you. Our offices have paperwork that may have been delivered to you or scheduled to go out shortly. Please refer to file number XXXX The office number is 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 2021-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Credit Acceptance refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wells Fargo is not treating me fairly or as a customer. They are withholding information because they want to as a result of fore-cable collection actions and causing other accounts to become delinquent. It has been 42 days since I have requested information and no proper action has been taken by Wells Fargo. Instead of treating me fairly like a normal customer they are sending me blanket legal responses that do not resolve any issues or provide me with information I need to move forward. 

I have made my requests much shorter and simpler. On XXXX XXXX I made a request of who I could get in touch with regarding funds and I was told I would get a response by XXXX XXXX, 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent multiple letters, disputed and called many times to get my accounts reported correctly. XXXX accounts are being reported past due 90 days but the comments on my reports says past due 120 days in XXXX. This is an inaccuracy that is putting my housing in jeopardy. I am currently unable to get approved for a mortgage because of this and it is causing great hardship to me and my children. I called Nelnet XXXX time XXXX and none of the representatives are able to provide me with notices that would have provided me information on when to pay and how much in XXXX. The reps were only able to provide me with a statement from XX/XX/2019 but this does me no good if this is the only notice that was sent as the late payments had already occurred. Furthermore they are unable to explain why all of a sudden payments were required. I contacted all three bureaus to get this corrected and they all referred me back to Nelnet. When I dispute with the bureaus the results come back updated. On my phone call with Nelnet, on a recorded line I asked for validation of late payments I was told they couldn't send it to me, unacceptable. Nelnet requires me to have said correspondence from XXXX but as the sender can not provide validation or notices of payments. This has been detrimental to me securing housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
I have XXXX late payment with this account. My brother passed away and I was emotionally not stable. I called the credit card company to ask them to remove the late payment, but they would n't. I have never been late except for this one time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, ONEMAIN add a hard inquiry on my credit report. 
On XXXX. XXXX, 2019, XXXX XXXX - XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: AFNI INC.
State: MS
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:
On XXXX XXXX 2016 I received a call stating I owed XXXX to XXXX from afni. I called XXXX they have NO record of me as I have NEVER had XXXX. Now on XXXX XXXX I received a bill from afni and XXXX verified I had no responsibility to this! afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX is the address on the notice

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Nationwide Biweekly Administration, Inc.
State: IA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
We have been customers of Nationwide Biweekly Administration Inc. since XX/XX/XXXX. I have had MANY arguments with them about how they were not saving us money and they argued if they were wrong, they would have to refund me every single fee, so they were right because they were n't going to. They performed an audit to try and prove they were saving us money. They have very often been late on making our mortgage payments, not 'on the books ' late, but when we signed up our contract said our mortgage is due ON the XXXX of every month. No the XXXX or XXXX. Now on XX/XX/XXXX I get a letter in the mail saying my account is suspended and they have {$680.00} of our money. They will not answer their phones and our mortgage payment is due tomorrow and we do n't know what to do. We feel we are entitled to at least every single fee we have ever paid them, including weekly fees, and of course we want to cancel because this letter shows how irresponsible they are. Plus they have our money and wo n't answer the phone. It literally hangs up on you. I emailed them and my emails bounced back. What do I do??? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Hollis Cobb Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a statement dated XX/XX/XXXX from a debt collector Patient Accounts Bureau trying to collect a payment for an alleged service my son XXXX XXXX received on XX/XX/XXXX. I thought this was odd since this was a month after my son was born and I had not received any bills prior to this one. I called the number on the statement that says " speak to live agent XXXX '' on XX/XX/XXXX. A man answered the phone and asked how he could help. I told him about the statement and how i had not received any others prior to this one and wanted more information. He then said " for your son XXXX ''. I then said how did you know my sons name if I did not give you any of my information ''. He said " I will need your address and more information to verify your account. I told him I was not giving him any information until he told me how he knew my sons name. He said " Ma'am you do not want to be helped so you will need to call back when you are ready. '' He then hung up on me. I am concerned that my sons information has been stolen. I received a letter a month ago that one of my sons health providers had been hacked and it advised me to be careful with fraudulent bills and debt collectors. I will attach the statement to this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i contacted equifax credit bureau on numerous days XX/XX/2021, XX/XX/2021, and XX/XX/2021, they have my credit report locked with inaccurate information including removing a fraud alert from my account making it hard for lenders to issue credit lines to me. i have no issues with other bureau companies except these idiots. i have called numerous times and they have either lied about receiving my documents to allow me to get into my account and i'm fed up the next step is legal action because this is ridiculous. they have caused so much stress with this situation and now they're still requesting for personal identifications which i don't trust sending again because they have just received a security breach lawsuit against them. these people are not trustworthy credit bureau who needs to be out of business. they're lack of concern for consumers is ridiculous. it is a shame that i must submit a complaint against this company in order to have my account unlocked which they have also anonymous inaccurate security questions that don't pertain to me at all and now i'm unable to login to my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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 am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX XXXX : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
aqbout two years ago i cancelled XXXX because every time they were in a negotiaition -they would cancel the station until they got there way -when i thouht it was all done it syarted to recieve monthly bill for a service that i had cancelled -i called them and thought i had all straightened out. then about 4 or 5 months later the XXXX of XXXX collection agencies contacted me -the XXXX agencies said ( after i explained that i need an itemized bill, so i can determine that this bill was legitamate ) said that i would nt here from them again -the XXXX collection company called afni reported me to the credit reporting companies and damaged my credit score - if they had sent me an itemized bill and i felt that i owed, it would have been paid imediatly -however no one has done this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Free Credit Report : I have for more than five years, requesting a free credit report from this ( Equifax ), as of this writing, they have not provided a report to me. I hope, through your office, the agency can tell you why and what is the reason they have not provided the report for me. This agency have denied every credit inquire made on my behalf.

Company response to consumer: Closed with explanation