BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: BB&T CORPORATION
State: TX
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:
I purchased a used car in XX/XX/XXXX using Regional Acceptance Corp as the financing company for the vehicle. The vehicle was repossessed in XXXX or XXXX of XXXX. That information was reported correctly on my credit report. However in XX/XX/XXXX, Regional Acceptance Corp has indicated on my credit report that the vehicle in question was repossessed in XXXX of this year ( XXXX ). The account was actually charged off in XX/XX/XXXX, but according to the 10-99 tax form I received this year it was charged off on XX/XX/XXXX. 

I filed a complaint through XXXX  and XXXX about the inaccurate repossession date information. I have not received a response from XXXX, but I did receive a response from XXXX. Regional Acceptance Corp has now reported the repossession date as XX/XX/XXXX. It appears on my credit report that I have had this vehicle since XXXX with delinquent payments every month until the repossession on XX/XX/XXXX. This is not accurate.

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 2017-06-20
Company: Nelnet, Inc.
State: MT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent an investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but have 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL 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: Information belongs to someone else

Complaint:
Capital One Auto shows I have an account that I have no knowledge of and Id would like it removed as it violates the fair credit reporting act. I also believe this could be a result of fraud so I file an FTC report with the Federal Trade Commission. 

Account : XXXX Account status : Closed Account Type : Installment Loan Payment Status : Current Balance : {$0.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
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 Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on Experian. While XXXX is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

3. Last reported date on XXXX and XXXX is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

4. Date last Active again is reporting for XXXX and XXXX as XX/XX/2022.

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 2017-06-07
Company: EQUIFAX, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I applied for a car loan. I placed a credit freeze on my account in  XXXX    XXXX   after I was the victim of identity theft. I had a new number then. Now, I applied for a loan and the salesmen is telling me that I have a freeze alert on my account. However, when I contact the  XXXX  major bureaus they are denying that I have a freeze. Thus, I have been denied credit because they can not verify that it is me requesting the loan. I have told them several times to contact me at my recent number but they said that they have to use the number that was on the initial fraud report. It is frustrating because I know that my credit is  Good.  The companies involved are :    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  of  XXXX , MS  XXXX   XXXX   XXXX  I have nothing against these companies. It is the credit bureaus telling me that I do not have a credit freeze ; but telling lenders that I do and lenders are caught in between.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a Best Buy Credit Card Account member since XXXX XXXX 2007.  During that time I was unknowingly and unwillingly signed up for a Debt Protection Program that has charged me XXXX dollars a month that I thought was going to my principal. This morning, I received notice that I had to pay {$420.00} just to get my credit card back to its limit, even though I have n't made a purchase using my credit card in almost two years. I was unaware of this because I have made monthly payments on time through recurring payments, yet my account balance has grown. I got to the bottom of it and realized that all the money that should have been going to the principal was going to this program that has provided me no service. I found out, through calling that service that Citibank works with, that I have paid a total of {$1600.00} in fees to this Debt Protection Company. This is not counting all of the extra interest it as cost me to Citibank and Best Buy. The resulting total is thousands more. I have been a loyal customer to Best Buy for over 10 years and feel like, not only I was taken advantage of, but literally was stolen from. I submitted a claim for a refund but was told that I would need 30 days to hear from them and nothing was guaranteed and at that time my only option if I was n't happy with the out come was to write a letter to the following address : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. So I realized it was the BBB and I contacted them. They told me to file a complaint, but I could n't because it was " a business with a complaint for collections purposes with another business. '' I then called Best Buy Citibank Headquarters and they told me there was nothing more than I could do.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a call from XXXX and a robot left a VM stating that it was from XXXX in the under writing department from Capitol One. I do not have any credit cards, I never have and I have never made enquiries for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: LEXISNEXIS
State: NJ
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 recently pulled my credit and noticed a XXXX reporting. When I filed the bankruptcy my lawyer told me the courts don't report. I called the court to verify and they confirmed they do not report bankruptcy information because it is illegal to do so. I want to know how this company is able to report this information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Information belongs to someone else

Complaint:
I obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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 Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on XXXX. While Equifax is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

XXXX. Last reported date on XXXX and Equifax is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

XXXX. Date last Active again is reporting for XXXX and Equifax as XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for car repairs in the amount of {$2000.00} at XXXX XXXX XXXX XXXX XXXX with my Capital OneCredit Card. I found out they simply painted over a dent when they charged me to fix the dent ( the total repairs were {$7000.00} for a XXXX XXXX XXXX accident ). XXXX XXXX gave me a warranty with the repairs. I told them they charged me for a unibody pull and they did n't perform one, they simply painted over the dent in the right rocker panel. They refused to honor the warranty. I called Capital One and gave them all the documents they requested. Their foreign merchant dispute personnel did n't tell me what they needed, but I provided all required documentation and a merchant second opinion along with a second estimate for re-doing the repairs that XXXX failed to do. Capital one REFUSED to submit my documentation to MasterCard and would not extend the timeframe to dispute due to their own horrible foreign non-XXXX speaking customer service people who messed up the chargeback dispute due to their incompetence. I want to invoke my rights under the Fair Credit Billing Act - I will not pay the {$980.00} I am disputing nor will I pay interest on that amount. I want that {$980.00} removed from my credit card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: FL
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:
Equifax has unlawfully violated my rights of privacy and consent as a consumer which has negatively affected my overall purchasing power as a consumer. 

15 USC 1681a ( 3 ) : Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681a ( 4 ) : There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( 2 ) Permissible purposes of consumer reports Equifax has assumed a vital role as a consumer reporting agency. Equifax did NOT exercise their GRAVE responsibilities, were unfair, impartial and disrespected my right to privacy. 

I NEVER instructed Equifax to furnish or create this consumer report. Furthermore, I NEVER consented Equifax to this consumer report in the first place. 

I have contacted Equifax multiple times via first class mail and telephone. I have telephone records of Equifax reps responding with " individual actions '' and have committed willful negligence and repeatedly hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2021 PayPal has permanently limited our Business account for our company just right after the opening without giving any reason. There is no refunds, no disputes, nor any illegal action, I found this very unfair so our business could not go further. 
I have contacted them so their robotic answer was " We appreciate your interest in PayPal. Unfortunately, our decision to close your account is final. '' Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: NJ
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:
To Whom  it may Co ncern : I had a loan since  XXXX  it was in forbearance for ten years. I finally made arrangements to repay my loan. My loan repayment started in  XXXX   XXXX  and its now  XXXX   XXXX . I was told in  XXXX  if I made 120 payments I would be able to get a loan foregiveness in  XXXX   XXXX . I just got off the phone  with Navient and was told I had 57  more months of payments. I find this ridicilous I already paid  XXXX  for a  XXXX   XXXX  dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In   XX/XX/XXXX  ,  WELLS FARGO B ANK in Florida,  XXXX   XXXX , added an extra Premium Checking account ( ended  XXXX  ) without been authorized by us.   Late fees and charges been added, for many months jeopardizing our financial reputation.   As today,   XX/XX/XXXX  ,  W.F.  personal banker in  XXXX   XXXX , was not able to provide to me, any document, statements nor authorization and I requested to close the account.   A case #  XXXX  was created and the latest fee was credited.

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 monetary relief
Consumer complaint received 2022-07-20
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made multiple calls into the care center trying to resolve a payment issue. On XXXX my auto payment of XXXX was made but the escrow account had been adjusted so the payment was now short by XXXX. I sent that payment in on XX/XX/20 when dealing with the mortgage company as requested and thought it was good. I have never missed a payment or had a late fee as I pay extra every month. I now pay {$1800.00} a month to cover all issues. Despite calling multiple times the issue is still not resolved and I get a late payment every month for the last 3 months and get calls from there collections agency despite paying extra every month and calling in every month.

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 2019-12-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
on XXXX I obtained a auto loan with NC State Employees Credit Union. I finalized my loan with XXXX XXXX  who advised I could have an extended term of 7 years at XXXX in which I agreed which was based of an 4.25 interest rate and took my new auto loan. When I received my documents in the mail to sign on XXXX  the rate was 5.75% and the payment of XXXX  I contacted the Credit Union on XXXX   and spoke with XXXX who advised that XXXX quoted my payment off the incorrect interest. I was then advised that they could not give me what was quoted and that I should have read the website for rates and needed to go to the Branch for resolution. On XXXX  I went and spoke with XXXX XXXX at the Branch and was also advised that they apologize for the error but the they could not allow the terms that was quoted and could extend my loan for 8 years making me keep the car longer than agreed and the board will not make an exception. As a consumer I feel I am being penalized for the Credit Unions mistake and that I should just sign the documents and not read them. I advised them when XXXX   printed my documents and noted the error, I should have immediately been contacted of the error while I was still at the dealership. Instead, I left in good faith that I was given accurate information and I was mailed documents as if it would never be noticed. Granted the difference is not much but I should be granted what was disclosed to me and agreed upon. what the bank has offered me as a remedy still benefits them and not the consumer as they will make money off incorrect information. I am left with either accepting what they offer or rescind my loan and turn the vehicle in. I spoke with a supervisor (XXXX) at the Contact Center has asked for the calls to be pulled to proof I was indeed given inaccurate information and was told it could not be done. Most banks when these errors are made the rate can be deviated, but all I am hearing is we all make mistakes and we are human. As this is true, you still should do right by your member/customer.

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 2020-04-22
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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-06-10
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested our servicer, United Wholesale Mortgage, cancel our PMI. I have called for over 3 months to get them to cancel it. We provided XXXX with the requirements they requested of us in writing, we are under the 80 % LTV and are in good standings with our loan. They denied our request to cancel the PMI in a voicemail message and will not provide a reason for the denial. Since they have charged us for all these months, I believe they are taking our money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are   trying to request a short sale - Chase received the request recently and denied the request because the home was rented for a period of time.
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The home owner had to relocate due to a family emergency. At that time, the home had negative equity ( could n't sell the home ) so renting was the best alternative.
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Fast forward 3 years - the home is now vacant - tenants moved out - and home owner needs to sell the home.
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Chase has decided to deny the short sale request because the home was rented for more than a year.
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Please help me explain to Chase that the seller only rented the home because he could n't sell it 3 years ago due to the negative equity position and h  e did n't know anything about short sales.

Company response to consumer: Closed with explanation