BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a credit card from Capital One back in XXXX XXXX, I needed this card due to a divorce due to being put in a Domestic XXXX situation I only had a small pension and needed money to get my divorce started and get away from him as he left me broke ... .then I ended up needing to take {$100.00} in cash from the credit card in early XXXX or late XXXX and after I did this my monthly payment went from about {$25.00} up to {$300.00} a month, I have called Capital One numerous times asking them to lower my credit card payment and they refuse to do it since I borrowed {$100.00} in cash from them, and each time I do call about it they will give me a {$75.00} credit, my XXXX XXXX statement came out and it said that I did not need to make a payment so now that my XXXX statement is out they are now saying I need to make a payment of {$410.00}, I have never once been late with my payments and I have never missed a payment so all of XXXX and now XXXX I have been paying a monthly payment of {$300.00} to {$410.00} a month all because I took out a cash payment of {$100.00} back in XXXX, Capital One is XXXX me ... ... I need help with this credit card company because of the high monthly payment I am making I am so broke that I need to keep using my credit card and I have paid well over {$7000.00} and I still owe {$10000.00} on this card!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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 fraud alerts or security freezes

Complaint:
Why would I have to pay almost XXXX} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Synopsis : Loan obtained through Goldman Sacks by XXXX, was paid off by a balance transfer with a lower interest rate. The full balance due was paid to XXXX. The pay off amount was obtained by the monthly statement they provided to me. The full a balance was paid before the revolving date on the loan. XXXX, the lender refuses to waive the residual interest after the balance was paid in full. -- -- -- -- -- -- - I have been a member/customer of XXXX XXXX since XXXX. A few months ago a recommendation was made to me by their website regarding a balance transfer option. The financial institution that was recommended was XXXX by Goldman Sacks. I accepted the offer. 

In XX/XX/XXXX i paid off the balance with XXXX, via a balance transfer from another financial institution with a lower APR. Unfortunately there was a residual balance left on my XXXX loan after the balance was paid in full. 

I reached out to XXXX, via telephone on XX/XX/XXXX, and spoke with a rep, then her supervisor, XXXX at their Texas location. I explained to her that i was a referral customer to them through XXXX XXXX, and asked if they could waive the remaining interest since i had paid the balance in full. I explained that their statement made available to me via their website advised me of the statement balance before the account/loan revolved. I also explained that I have paid off multiple, credit cards, loans and car loans, and the financial institution is always willing to forgive the remaining interest as a good faith gesture, and also to retain customers for future needs. 

XXXX the supervisor at XXXX refused to entertain my request and repeatedly shut me down. 

I feel that XXXX, refused to waive the balance because i took the loan somewhere else, and they are trying to make a few extra bucks where ever they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/2018 due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. 
I received an approval letter on the XX/XX/XXXX for the forbearance. 

Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. 

Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. 

I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed and I'm living in the house. I sent financials and request for mortgage assistance several times. The property has a property foreclosure sale date set for XXXX. Select Port Folio has been unwilling to help me with getting the mortgage straight, I don't want to lose the house to foreclosure. They have put force place Insurance coverage on the house when I had proof of coverage and a bill sent to the mortgage company to be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Experian Information Solutions Inc.
State: NY
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:
Credit inquires that was removed on XX/XX/19 is now showing up again

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 2021-11-11
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reached out to Aldous and Associates, refused to negotiate the payoff on the debt stated that XXXX XXXX  does not allow them to negotiate the debt. I had a XXXX XXXX account in which i had never used. XXXX collected over XXXX months of payments in which i never used thier services. I tried canceling the membership as i moved out of New Jersey, XXXX to XXXX NC. I moved to XXXX NC in XX/XX/2020 and informed XXXX in XXXX in which they refused to cancel the membership. There are NO XXXX XXXX in XXXX NC, when i tried cancelling the representative stated that i had to physically go back into the XXXX in XXXX NJ to cancel a membership that i would never use again. This is automatically placed me in a collection status because XXXX continued to collect on my membership although i had no physical way of utilizing their facilities or cancelling the membership. I would like this debt removed from my credit report as well as explore a class action lawsuit against XXXX XXXX for false advertisement. They stated that i can cancel at anytime with no contract, but they failed to inform me that i can not cancel easily. This need to me resolved quickly as this is preventing me from performing my job as a mortgage originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( XXXX ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking 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 XXXX XXXX XXXX Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.

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 2018-07-06
Company: Mobiloans, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company is a unlicensed loan lender in my state. From XXXX I have borrowed {$2100.00} and have paid back {$2400.00}. I have over payed them {$310.00} in fees and interest. I have emailed them asking for a refund in the amount of {$310.00}. They claim I still owe them an additional {$1300.00}. I also told them in my state since they aren't licensed I owe only the principal amount. I have paid the principal and asked them to consider my account paid in full. I want a refund in the amount of {$310.00} sent to me by paper check and for my account to be marked paid in full. In my state if a company isn't licensed they can't charge fees or interest. They claim to be exempt from the law, they are a native american tribal lending company. I have revocated automatic achieve authorizations and wage assignment 's from them also.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-06
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Netspend has all of the appropriate documentation for my dispute. They closed the dispute, without even looking at evidence provided. I tried my best to go up the chain of command, including contacting the corporate offices. A gentleman at the corporate office spoke to me, he stated that some of the paperwork was received, but not everything I sent. I resent the emails to him, but to no avail. There where 14 emails of documentation submitted, they looked at none of it. 

I explained the the account should have taken a pre-authorization, not the physical money. I also provided copies of the credit card statements showing where the charges went off of my primary card. All this information was ignored as well. I am attaching everything to this complaint, in hopes that they refund my money that is due. This should have been done almost 2 months ago. I should not have to wait an extended period of time, they have the ability to get their money back from the vendor. 

Once again, I was aware they where doing a pre-auth but the money should have posted back to my card. They are allowing me to be charged 2 time. This has also caused me to have my primary mode of transportation put at risk, because them not returning my money has caused me to directly go into default on my auto payments. When I stated I was going to file a complaint, I was threatened that if I did they would block me from their system, close my account, and block me from services. 

I just simply want my money, that I should have well had! Unfortunately the documentation vast to put it all in, it will be re-provided upon request. I have attached the charges from the other company, to contradict the charges by Netspend. My money needs to be refunded urgently, before I lose my truck.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

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 2018-07-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am including a copy of each judgment that was ruled in my favor.

FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX  AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX.

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED.

XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED.

XX/XX/XXXX SUM MONS FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Experian XX/XX/2022 to update this doubtful information. I think you have not authenticated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX 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 2017-09-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've been calling for the last couple of months in regards to the XXXX breach. I 've been calling last week to no availability in regards to the XXXX breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX XXXX XXXX for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my Wells Fargo credit card, XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.

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 2017-09-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a refrigerator, stove and washer and dryer at Home depot /XXXX- XXXX, I got the store credit card with the 18 months no interest rate in XXXX. The delivery was 2 1/2 weeks late I was suppose to get a XXXX credit on the credit card, the stove and refrigerator was delivered scratched and they were to give me two XXXX debit cards and a XXXX gift card. I only got one XXXX debit card and a XXXX gift card. I have called several times and it has not been resolved. In XXXX the refrigerator stopped working because it had only been 4 months that i had it XXXX had a repair tech come out 3xs. The repair guy told XXXX XXXX XXXX to replace the appliance it can not be fixed. XXXX said no they wanted to send another repair person out to fix it for the 4th time. I said no and asked to speak to a manager. I have talked to dozens of managers at Home depot and XXXX XXXX to only get the run around. I contacted the FCC and BBB and I only get an email saying the company has not responded. XXXX XXXX said they will not replace or give me my money back they will only try to fix it. I spoke to Home depot they said they will give me my money back by a credit on the card but they need to pick up the refrigerator and cant commit to when I would get the credit on the credit card. I said the same day you pick it up I will be in the store for my credit. XXXX from home depot said she would check with her manager and I have n't heard any thing for 3weeks now. I do not have a working refrigerator and no one will call me back. I want my money back for the refrigerator such as a credit on the credit card, I want compensation for the XXXX of food lost, I want the XXXX off for the scratch on the appliance as the promised initially for the delivery issue, the XXXX off of the credit card for the delivery issue they promised

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 2017-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
https : //www.equifaxsecurity2017.com/ validating made up information, therefore providing incorrect information about the security breech and affected persons. Unable to properly determine if affected or not due to this.
Enter " XXXX '' as name and " XXXX '' as SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS TRAPPED INTO A CAR LOAN BUT WAS NOT ABLE TO APPLY FOR THE XXXX LAW. I KEPT THE CAR DESPITE COMPLAINING TO THE DEALERSHIP ABOUT THE CAR NOT OPERATING CORRECTLY, AFTER I PAID THE CAR OFF TWICE IN PRICE THE CAR STILL GAVE ME PROBLEMS. A SUMMONS WAS ISSUED FOR A COURT PURSUIT IN WHICH THE COURTS RENDERED THE CASE IN MY FAVOR. XXXX IS THE ONLY BUREAU THAT HAS NOT HONORED THIS DELETION

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