BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with capital one. i had it since XXXX they sent me a new credit car and I went to renew it. on the site I saw another credit card. closed but with a balance on it. this was a credit card I paid off long ago. and had a {$0.00} balance. they charged me a {$39.00} member fee/ that i never approved and have been collecting a late fee since XX/XX/XXXX. I noticed today XX/XX/XXXX. they have reported me late 120 days and have tripled the amount owed for the {$39.00} fee for a total of {$130.00} and dropped my credit score to XXXX. 
for 10 years I have never been late on this card. how can they do this to my credit rating after all this time. I have contacted them with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
I am a Federally Protected Consumer. According to USC 1681a Congress makes the following findings in regards to the accuracy and fairness of credit reporting. 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please see the attached.

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 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Fraud transactions for XX/XX/2019, tried to report it on their website to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Former Human Resources Manager, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.

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 2016-12-14
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i purchased a vehicle from a buy here, and my loan was sent to Mid-Atlantic. and apparently in the loan agreement I could n't have a bad payment within the first 90 days or I would terminate my loan. needless to say life happened and my account was XXXX dollars short so my bank returned payment. the next couple of days the dealership calls and says do n't make a payment with them they are going to take back the car for the bad payment. he then goes to say with the next couple of days they are making me buy back the car. so I am out of XXXX dollars so I need my car back unless you can bring me the car. does n't sound right so I call the finance company and they first say yes the dealerdid buy back the car make the payments with them. I call again and another manager says no your account is active and you still should pay us. but if the buyback is in process you would then have to talk to dealer about the payments. I let the finance company know that I traded a 2006 truck for the 2006 Honda civic and what happens to my trade inif my deal is no longer any good. she goes well its up to the dealership if they give you back the trade in or not. and I feel as if I am being ripped off. here. because I also paid my tax tag and title up front to the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on 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 2015-08-03
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for a VA loan with Quicken Loans in XXXX, 2015. In good faith, we paid our {$400.00} deposit to be used towards expenses closing this loan. Our appraisal was completed and our home value returned at $ XXXX. Due to unforeseen circumstances, we were unable to move forward with the VA loan and decided to switch to a conventional loan. I was told repeatedly that this would not be an issue based on our good credit ( an excellent score of XXXX ) and income ; and even received a good faith estimate that we would need approximately $ 3k to close the loan. Suddenly, we were advised that a new appraisal would be needed and that one was returned at only $ XXXX, which meant that we would need over $ 18k out of our pocket to close the same loan. To add injury to insult, that reduction in value was after we had just spent $ XXXX in paint, new carpet, and tile work in the house, and the market value in the area has increased based on all realtor websites. I am not sure how one persons opinion ( which is what an appraisal is ) can drop the value of our home by $ XXXX. Quicken refused to use the XXXX appraisal as they said it was a VA appraisal and now we have a conventional application - how is it fair that the same Veteran lives in this house and because we ca n't get the VA loan, now our home is worth less and we are being penalized by being asked to come up with another $ XXXX in cash to close our loan? That sounds like discrimination if I have ever heard it!. This saga has dragged on for over 3 months - and now we are unable to move forward with our refinance due to the undue burden Quicken has placed on us. I have repeatedly asked Quicken to reconsider use of the original appraisal - and they refused. Not getting the VA loan just makes us less of a customer to them. I also asked then to have our {$400.00} good faith deposit returned as we did everything we were asked to do and spent day after day, hour after hour working with them ... calling them ... .having to follow up on them - what horrible customer service! Again the refused as clearly I am not a customer who can make them enough money to want to move forward. This has been the WORST customer experience we have ever had and I hope that no one else has to deal with the same level of incompetence that we have experienced with Quicken Loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX XXXX, I found myself in a very painful situation. I was separated, no personal goods, and virtually penniless. I discovered that I was in default on my Stafford loans, and I negotiated with the agent at XXXX XXXX XXXX to have the 30 % default removed from my balance if I found alternate financing. I applied for consolidation with the Department of Education Direct Loans during the same month, and XXXX did nothing with my requests to have the balance released until XXXX XXXX. When the Dept. of Ed. refi 'd my student loans, the additional 30 % was still included in the balance. I simply refused to pay until the error was corrected, until XXXX XXXX when XXXX XXXX started harassing my mother over the phone. I agreed to the default rehabilitation payment schedule with the understanding that the 30 % from the original refi was removed, as well as the additional 30 % tacked on by Navient for the more recent default. I followed through on my committment, only to discover that the additional penalties still stand. In essence, I complied and maintained my committments on a $ XXXX student loan debt, only to have the subsequent servicers add on fees balooning the amount to $ XXXX, sit on paperwork, and basically tell me I have no choice in the matter or in disputing the balance since Navient contends my completed request for the refi in XXXX qualifies as my approval of the balance ( which was NOT correct ). Adding insult to injury, this student loan debt was incurred for a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX College ) and an XXXX in XXXX XXXX ( XXXX XXXX University ), none of which are any use in my current field XXXX. 
I have reached out to my Congressional representatives, and they have not been able to provide any assistance with this. This is my last stop before I consider bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Lendmark Financial Services
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:
XX/XX/2021 Lendmark checked my credit score without my consent. 
They want to offer refinancing. I turned them down. I have a hard inquiry hit. 
This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Navient Solutions, LLC.
State: IL
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:
There should be no late payments in XXXX. Tried to talk to the Department of Education but they are not taking any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen XXXX, did not close my account and sold the debt on the stolen card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Exchange Finance Company
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: Information belongs to someone else

Complaint:
9 inquires on my credit was not authorized. I tried to resolve the issue with XXXX  and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
9 inquires on my credit was not authorized. I tried to resolve the issue with XXXX  and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
Id theft victim. just checked my credit and found this these accounts are not mine XXXX  XXXX XXXX XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX went to a XXXX XXXX bank in XXXX to report a stolen payroll check ( from ADP, INC ) which was cashed with a forged signature. ADP uses a XXXX XXXX account in Arizona. she simply wanted to know, what should she do, and what could well XXXX do to help? The attached PDF describes the visit in detail. 
A notarized Forged Endorsement affidavit has been files with ADP. a XXXX XXXX bank copy of the stile check is included in the PDF. The complaint is for the type of treatment XXXX received, and the lack of profession help from the bank representative. 
Based upon our experience so -far with XXXX XXXX XXXX we have low expectations that our complaint to be taken seriously by the phoenix bank. But we are filing the complaint anyways XXXX XXXX, brother-in law to XXXX XXXX XXXXXXXXXXXX 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 2021-01-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am requesting proof that I am indeed the party that the FED LOAN SERV are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The FED LOAN SERV is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX XX/XX/XXXX, the check was returned XXXX/XXXX/XXXX therefore the XXXX was debited from my account. On XXXX/XXXX/XXXX XXXX was debited from my account again, stating the check deposited on XXXX/XXXX/XXXX was fraud. Hence, my account has been debited a total of XXXX. I immediately called to file a dispute and was told I needed to go to the branch. On XXXX/XXXX/XXXX I went to the branch and was advised I need to file a claim over the phone. I then filed a claim and was told to wait 7-10 days.. I waited. I called back and was told that claim was closed and another one was opened XXXX I was told to wait 2 weeks.. I waited. Today XXXX/XXXX/XXXX over a month later I called to check the claim and was advised by the claims department that because they only debited the account once and refunded the money to the person that wrote the check, if I wanted my XXXX back that was debited on XXXX/XXXX/XXXX I had to contact the branch because there was nothing they could do. I then called the XXXX Fl office where I have my account, I spoke with a XXXX who advised me I needed to come to the branch. I advised XXXX I have since moved to XXXX Oh and there are no branches here. I explained to her what I have been going through, she advised me she would forward to an escalations team to " look at it ''. By simply looking at my account it is plain to see Wells Fargo owes me XXXX. I have been charged a total of XXXX plus fees for a single check that was returned. WF got their money out of my account 4 days after the check was deposited, there was no reason to debit my account the second time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX I found a Pomeranian puppy Ona website XXXX Puppies. I inquired about a puppy XXXX. I received a message that he was available. We came to an agreement and price that included shipping for XXXX. {$900.00}. They sent a financial agreement that my husband signed and I sent the money through XXXX. They shipped the puppy and then needed {$980.00} for a special cage due to COVID. I sent this amount through XXXX ( they reversed the fee ). I notified my bank the next day when the puppy was never delivered as promised. They would not stop payment or reverse it they stated I would have to call Monday to dispute the charge which I did. They denied the dispute. I want the charge reversed I never received the puppy as promised. My kids are heart broken.

Company response to consumer: Closed with explanation