BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
In the summer of XX/XX/2016 my car was totaled out due to hail damage. I had financing on the vehicle through Capital One. I still owed several thousand on the loan. Capital One came up with a payoff quote. During the period where I was exempt from making monthly payments, I was in contact many times with Capital One trying to confirm when the full amount of the payoff needed to be made. Each time I talked to one of their reps they gave me a different answer on when it needed to be paid. This led to confusion, obviously. I did not have a clear idea of when the payment needed to be made. It was only the last time I called concerning the payment time frame that the rep I talked to absolutely assured me of the actual due date. I immediately set out to get a loan to cover the payment. My bank sent the check to Capital One. Capital One reported that the check arrived a day late so they dropped my account into a collection/charge off status. It dropped my credit score from XXXX to XXXX. Capital One received the payment and the account was closed and current. But they still proceeded to put that remark on the account. My credit report, showing the details of the payment history on the account showed that I was delinquent starting in XXXX which is false. I have a document from Capital One stating that the payment was indeed due in XXXX, as the final rep had told me, which is when I paid. 
In the weeks that followed, I was in contact with Capital One trying to figure out the issue and why the account was in a negative status. The first rep I talked to claimed that the bad remark would leave my credit report after they reported it to the credit buereas. Which was false. The next rep I talked to claimed that the bad remark was to NEVER leave my credit report. Which is also false. I have continually been misled by Capital One and it has affected my credit score and ability to consider purchasing a home, a new car and several other things. I have disputed the bad remark with several credit reporting outlets and directly with Capital One, to no avail. I think the actions of Capital One have been very unprofessional, petty, and vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2021 bank of America withdrew from my checking account the amount of {$10000.00} instead of the amount of {$170.00} thru electronically payment. 
On XXXX after I notice the error ( my checking account was minus ) I call BOA and made aware of the error. 
They acknowledged it and was told they will return the monies back to account within 5-6 days. After 10 days I called because they had not done so, and was told that had not done the return because of bank regulations, today I called again and again I got the roundabout and this time I was told that I'll my money within 5-6 more days, ( already they have my money 14 days and the possibility of not getting it back even now ) is very possible. In the mean time it cost me over {$200.00} in return and late fees for checks that already had gone out!

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 2020-01-05
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have four store cards under Comenity Bank and everytime I turn around they are lowering my credit limit. They send you an email alerting you to check your message on the store card website of important changes. I have XXXX XXXX which was {$600.00} is now at {$200.00}, Roamans {$300.00} is now {$100.00}, XXXX XXXX {$250.00} is now {$100.00}. I can see if I was struggling to pay the bill, but they constantly doing this whenever there is a change in your credit score, I.m getting sick of this. I also have a Bonton which the store closed and went into bankruptcy and the interest rate is still high. They should not be charging interest rate if the store went under.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
Following my earlier complaint # XXXX in which TransUnion 's part of the XXXX web site was completely broken, I have continued attempts to obtain my TransUnion annual credit report from XXXX. I made two attempts today ( XX/XX/XXXX ). The first attempt in the morning proceeded to the security questions. I answered the security questions properly, but the system them told me I had failed identity verification and couldn't get my report online. I just tried again about two minutes ago, and this time I received an error message from TransUnion claiming that I had already received my free annual credit report for the year from their web site ( see attached error message screenshot ). This error message is a lie ; I have **not** received my annual credit report within the last year from TransUnion due to their web site not working. ( I most recently successfully retrieved my free annual report from TransUnion on XX/XX/XXXX, over one year ago ). TransUnion 's web site is clearly designed to mark consumers credit reports as viewed even if the system doesn't actually produce the report. These are obvious violations of both the FCRA and the FACT Act requiring them to actually provide free consumer credit reports annually and maintain the annualcreditreport.com web site in working order. The CFPB should investigate and sanction TransUnion for these violations!

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 2015-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never been late with a mortgage payment- I was reviewing my account on line for a pay off balance and discovered they had received my XXXX and XXXX payment but had not applied them. They were showing me as delinquent and were threatening to foreclose. After several calls it was discovered that my escrow/taxes had increased XXXX and I was not notified. The first person I spoke with informed me they mailed me notification to the old address and they told me they did not have my new address on file. I proceeded to pay the extra XXXX by phone for XX/XX/XXXX and XXXX. I paid the XXXX payment and included the new escrow/tax amount. I had paid the normal amount in full never missing a month. They have reported me to the credit companies and my credit rating has been negatively effected. They refuse to remove the reporting. It has been a nightmare trying to straighten this out. I do n't understand how they can take my money, not apply it and not charge me any late fees but report me to the credit bureaus as over 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: Kashia Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan for {$750.00} on XX/XX/XXXX and have paid back {$840.00} as of XX/XX/XXXX. I currently still owe more than what I borrowed to pay the loan in full and am struggling to keep up with the high interest rate on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Eagle Accounts Group, Inc.
State: IN
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:
Eagle accounts agreed to removed a negative on my report. It was removed from XXXX and duplicated on XXXX. This happens every few years dropping my score XXXX-26 points each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My payment account for paying a bill was changed without my approval. This has happened twice. Yesterday I got the bank to deactivate the my second account from the bill pay service ( I never activated it and do not have the ability to activate or deactivate the account myself ). But this was just a work around to try to prevent the issue from happening again. Their system is still broken and they are suggesting I am making the change using their website. 

Today I noticed a bill was paid twice from their system. From the bill pay system, it only showed 1 time in the history even through it had already cleared the bank. They completed the transaction electronically and not using checks. So it was not because the receiver processed the check twice. The representative acknowledged they are aware of their system sending transactions on the incorrect day, but did not acknowledge the lack of recording transactions. 

Both these situations mean this bank is changing banking transactions as well as not recording them correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against 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 2020-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Did not verify the mod of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Chime Financial Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I would like to initiate mediation and/or arbitration and am getting stifled at every turn. 

There is no money .... all of what people generally know as " money '', save {$100000.00} in US currency, is borrowed and I'm not working for borrowed currency. It's just not going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Was on the phone with the company for over 4 hours today as I was transferred from person to person, department to department, in order to get my repossessed vehicle back. The reason stated for my vehicle being repossessed was that " I did not do anything to obtain financing ''. This is clearly a lie as you will see in my documents. This company purposely refused to offer any help or assistance in the post-lease options and took the vehicle because of their failure to provide this customer with proper financing options.

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 2021-10-03
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Halsted Financial Services, LLC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company, Hallstead Financial is using number from the area code that my number is in. I live in Colorado, which is mountain standard time, and have received multiple calls from this company using other others before XXXX MST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not 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 2022-07-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
1. In accordance with the Fair Credit report Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2018-12-02
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Upgrade, 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: Credit inquiries on your report that you don't recognize

Complaint:
The 3 credit report agencies have put me on early warning services and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
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: Reporting company used your report improperly

Complaint:
Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX Indiana Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and XXXX marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and XXXX factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX XXXX in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX IDs Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX XXXX scams using XXXX IDs and business permits frauding using XXXX birth certificate

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