BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I spoke with a agent from Capital One on XXXX XXXX, 2017 about my account. I explain to agent that i lost my job and was going through financial hardship. Agent told me she understand and they do have a hardship program. I ask how to get started? She said let me see if you eligible.. She put me on hold, came back said you 're eligible. I replied good need it until i find a job! She ask me how much do i think i can pay now.. each month? i told her XXXX each month until i find a job. Agent told me ok.. best to pay something to keep account up and void late fees! So i set up auto pay with the agent for XXXX dollar come out every month. First was to be at the end of XXXX. Payment came out good! about 3-5 day later i noticed a XXXX add to my balance. I call Capital One about the change in my account.. ( XXXX XXXX ) Agent told me i was denied for the hardship program. huh? No one notify that i was denied.. no email, calls. Agent was quiet. I ask can i speak to a Manager? She put me on hold 3mins.. came back said no Manager available right now! One will call you with in 24-48 hours. It been a week no calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Reviewed My TransUnion Credit Report today and saw some suspicious inquiries that were n't made by me. Although I have a freeze on my account and an alert that some one needs to contact me whenever a line of credit is opened in my name. Once contacting the companies they stated I needed to contact the credit bureaus to get them removed. Here are the unauthorized inquiries : 1.XXXX XXXX ( X/XX/17 ) 2.XXXX ( X/XX/17 ) XXXX XXXX ( X/XX/17 ) Please look into this for 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 2017-08-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi My name is XXXX XXXX XXXX, I would like to file a complaint concerning credit card debt. I open a XXXX XXXX credit card XX/XX/XXXX issuing bank was XXXX. Card no. XXXX XXXX XXXX XXXX. More than 10 years I was maintain this card well, suddenly I lost my Job and having problem to pay my bill in timely manner. Long time I paid minimum payment. I had {$3400.00} balance, I stopped to pay Individual credit card payment and gave to " XXXX XXXX XXXX, New York '' to handle my credit cards. By this time XX/XX/XXXX XXXX cards sold my account to Midland Credit Management , Inc. See the attached first letter from MCM XXXX it is not welcoming letter, it is threaten letter, you will see a line " Your Experience with MCM will be different, Period ''!!!!, XXXX XXXX XXXX communicated with MCM, they did not agree to settle less than they have balance in the statement. By calling different source I figure it out MCM bought this account " Penny on the Dollar '' and called MCM, I proposed to take 25 % of the total balance but they did not agree with me. 

Now MCM sued me in the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, ph # XXXX, Cause No. XXXX Please help me out for make a negotiation to pay a affordable amount with payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a XXXX balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.

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 2022-12-30
Company: EQUIFAX, INC.
State: WA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are deleted right away. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony XXXX XXXX closed my account based on inaccurate information on my credit report caused by XXXX XXXX fraudulently claiming debts not owed on XX/XX/2022 which dropped my score to XXXX which was inaccurate. Synchrony closed my account because of the score they pulled on XX/XX/2022 and even though all three of my Synchrony accounts have {$0.00} balances, have never been paid late on and just recently I paid every account off completely they still closed the account. I called them and they refused to reopen the account or email, mail or fax me a way of trying to reopen it. Now my score will be hurt again because of a newly closed account.

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 2018-11-30
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After renting from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ky. XXXX for 2.5 years never being late for rent, never being wrote up I received a 30 notice to vacate by the XX/XX/XXXX, no reasons, because when I started living there I was a truck driver and three months after being there I had to stop because of health problems, which made it hard to get a apartment cause I had started getting XXXX XX/XX/XXXX my income had changed, so it took me to the end of the month before I found one, but I did not come back to the premises after XX/XX/XXXX, I went to a XXXX XXXX and stayed a little over a week, put my furniture in storage. I got in the new apartment the XXXX or XX/XX/XXXX did not look back or go back to the other apartment cause of being furious about what they had did. Left the deposit. About XX/XX/XXXX I went online and saw that XXXX XXXX said I had some activity and found a bill from a credit collection agency for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Ky. XXXX for XXXX one of the bills was for rent of XXXX for XX/XX/XXXX and I had vacated and the other was for late fees of XXXX a constable fee, a clean up fee, etc. I see it as gouging me and extortion for a outrageous amount as you will see on the last rent payment is XXXX which there was a XXXX lockout fee which I thought was overly priced for a key and XXXX or XXXX fee over XXXX utility cap, they were also known to charge XXXX a day late fees for rent, etc. I did not find out about these outrageous fees until after I moved in. My point being is that I never knew about this XXXX charge until I checked XXXX XXXX, I had no chance to dispute before it went to my credit report, I am walking with a cane it wasn't like I was running around in the apartment tearing up stuff deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Nelnet, Inc.
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:
It's been many years, so forgive me if I'm rusty on some of the details. 
Once I began paying down my XXXX and XXXX school loans, the company in charge of them was Nelnet. 
I struggled to find a well-paying job, and every year, when the loan amount that I needed to pay would jump to $ XXXX, I had to call in to ask for a lower payment amount. 
Every time, they would simply ask me how much I could pay, and regardless of how low a figure I mentioned ( {$200.00}, {$300.00} ), they would simply say " OK sure, we'll put you down for $ XXXX. Or, I would apply for the income based repayment plan, again with no issues. 
I was thrilled with the lower payments. Naturally, I figured I was hardly paying down any principal, but my only experience with debts to that point had been with credit cards, where as long as you paid a minimum amount, the principal would be going down ( albeit not by much ). 
Unfortunately, what no one EVER mentioned or explained was that something called negative amortization existed. 
Instead of lowering my principal by pennies, I was in fact ADDING the unpaid interest to my principal balance! 
Student loans are so depressing that I stupidly didn't pay attention to the principal balance for years, just making sure I made my minimum payments on time. 
Until one day I noticed the balance and figured out what happened. From there, I scrambled with my finances trying to get it to manageable levels. It took a VERY long time just trying to pay down all the excess interest I had piled up! 
This predatory behavior is directly aimed at fresh XXXX and needs to be amended immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Santander Consumer USA Holdings Inc.
State: TN
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 received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 SANTANDER XXXX XXXX XX/XX/22 XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PayPal credit card, care credit and XXXX where opened in XXXX without my consent and I didnt know about this.

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 2022-09-30
Company: MECHANICS BANK
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:
On or around XX/XX/XXXX, I spoke to a representative at Mechanics bank and we came up with a payment plan. Long story short they did not honor that plan because they said it was " ineligible '' a few days later AFTER I planned my finances around that plan. Now I got a hit on my credit that dropped my score XXXX points because they refused to honor their own plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: KS
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:
According to 15 usc 6802 no transactions are permitted. 15 usc 6801 a.b.c no public information, Right to Privacy Act 1978 consumer law protects me. The GLB Act allows me the right to opt out. I did ask for them to remove them and customer service by law they had to report them. I asked to speak to supervisor or manager and was put on hold and call disconnected, I text one of the finance managers and told them the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage was transferred from XXXX XXXX XXXX to Freedom Mortgage and after the mortgage was transferred XXXXXXXX XXXX XXXX  charged me {$120.00}, After I filed a CFPB complaint XXXX, XXXX XXXX XXXX admired it is their error ( attached they said that Freedom Mortgage needs to refund me since I was forced to pay the {$120.00} extra on the first-month payment on after several conversations with the freedom mortgage agreed to apply the {$120.00} to the principal but they reversed it on XXXX without my knowledge and reversed the interest with XXXX and reduced my principal {$120.00} and {$0.00} each month since XXXX. I had several conversations with Freedom Mortgage representatives, they are very rude and discriminative. and refused to let me speak to their manager

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 2022-12-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted to buy tickets from a seller on XXXX She/he pretended to have 4 tickets and gave me this email XXXX and a XXXX  name XXXX XXXX so I paid the amount of money and she never replied nor sent me the tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$5100.00} on XX/XX/2022 inside Chase bank located at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I was told by the Chase Teller my deposit would be available XX/XX/2022. My deposit is still not available. I contacted the Chase Bank customer service number at XXXX on XX/XX/2022 and I was told my deposit was not available and they are holding my deposit incase the company ( XXXX XXXX XXXX which is a local organization dedicated to assisting people in financial hardship situations and providing education programs ) would take the deposit back. Chase has caused my account to go into the negative. Chase is currently causing me late fees and charging me overdraft fees. Chase needs to be investigated for this extremely discriminatory action against my account and ordered to pay all of my associated late fees and cancel the overdraft fees they are charging me. Chase is further causing me financial hardship and placing me deeper into debt. Chase is causing my credit score to decline further as well. My lights can be cut off, my car could be repossessed, I can not pay my bills and I am now accumulating more late fees due to this unfounded deposit hold Chase has placed on my checking account. I was also told on XX/XX/2022 by a Chase Teller located at XXXX XXXX XXXX XXXX XXXX In XXXX ; I could not close my account with the hold they have placed on my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I deposited Regions Bank XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.

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 2023-03-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello my name is XXXX XXXX and I had an auto loan with WellsFargo for more than 6 years and as of last year, I had paid off my loan. The reason for this complaint is that I believe I was overcharged for the loan because I signed the loan for 6 years and ended up paying longer than the contract agreement. I had the loan taken out automatically therefore I have lost track of how long the exact loan were paid out for. I am wondering if you would help me look into this matter. 

Thank you, 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 2022-08-03
Company: U.S. BANCORP
State: MA
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 XXXX i got a letter from Cardmember Service about owing XXXX XXXX {$130.00} I disputed this and asked for a invoice from Carbmember Service on what i had bought for this amount. The can not produce a invoice on what i owe for and when the transaction took place.They asked for additional information from me.I can not give them info on a item they have no info what it is or when it was purchased.They are charging met late payment each month on something they have no info on.I have very accurate records with my dealings with XXXX, and I can not find anything that I owe them. And correct credit card staement. Thank You

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: WI
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 want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022, I sent your company a dispute letter requesting your methods of verification and questioned your investigation practices. As a consumer I requested to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The items I requested as methods of verification are The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING. Your unjust investigation practices caused me to contemplate XXXX, have Financial breakthroughs, and lose sleep. Please send the methods of verification requested for the accounts listed below or delete the accounts from my credit report and update my personal information immediately. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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