BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: DE
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was denied a checking account at capitol one 360 because of a chexsystem report and i have my report dated XXXX/XXXX/2015 which they also have and they said there is negative info on the report and on my report there is no information. capitol one 360 will not tell me what the negative info is about me. I am worried they are committing fraud.they also informed me i am not the only one this is happening to. If needed I will hire a lawyer and sue them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Payoff process

Complaint:
I need to set my account up on a long term hardship plan and they are telling me that the offer is not available. I am trying to responsibly take care of my debt and have worked with several other credit card companies who allowed us to close the accounts and put them on a 4-5 year re-payment with a reduced payment and an apr of either 0 % or the prime rate. Capitol one was unwilling to help since I am not behind. Why is there a need for me to further damage my credit to get some assistance? I need some assistance to see if they are lying to me and avoiding offering the hardship program because this is the only company that has been unwilling to work with me. I spoke to a man named XXXX operator number XXXX. I felt like he was not providing all of the information that I needed and I asked if he could transfer us to another supervisor so we could confirm that this is all that could be done and he said he could n't transfer the phone that we had to call back. When we called back we spoke to a supervisor named XXXX operator number is XXXX she said she understood our concerns, but she kept referencing the notes that XXXX put in the computer on the account. My wife and I are trying to avoid bankruptcy and are underemployed we need to close our accounts and pay off our debt. Is there any way we can have assistance obtaining a long term hardship repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been approve for capital one bank a credit card since XXXX 2015. They froze my account because of a fraud issue. Sent all my personal information many times every time I call customer service they restrict the accounts that I have as a join account too. This bank it 's really bad in customer services and policies. Someone has to do something against them because they affect my credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a dispute with transunion for a collection on my credit report that involves an utility company ( XXXX XXXX ) sent to my collection account on behalf of this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
This bill first of all was due to their negligence cause I didn't owe this but I still went ahead and pay since I don't like collection on my credit hoping they would wipe it off my credit immediately it showed. But they didn't do that as promised. I contacted the XXXX credit bureau. XXXX good company took it off immediately, but the other XXXX are so stubborn and even after ther report they still said it's accurate which isn't. I just paid it off cause I don't have stress dealing with a collection company in the first place. If I had known would have not pay immediately. Both the collection agency and XXXX and transunion are not helping. 
Because of XXXX $ that I already paid up my XXXX XXXX is down XXXX point. Which I see as XXXX XXXX XXXX XXXX XXXX XXXX  I can't get a good rate on a mortgage that we are trying to get which makes it more annoying. And it feels like why do I even try to be a good credit guy. When the system can just rip you off and seems like you can't do nothing about it.

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 2022-11-19
Company: EQUIFAX, INC.
State: AL
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 have a repossession that is 7 years old and has not been removed as required by the law and I did dispute it with Equifax and all they did was change the notes on the account to involuntary repossession and did not remove it from the report they also do not have the option to dispute the account age and XXXX XXXX was bought out by another company and doesn't exist anymore the dispute results were on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union issued fraudulent debit card and XXXX credit under my forged name in XXXX, 2015. I called and had accounts shut down and have learned I have been the victim of identity theft. Attempts at other institutions were made - BUT ONLY NAVY FEDERAL 'S WENT THROUGH - without apparent verification and opened with a STARTING {$25.00}, XXXX credit limit! This company has some serious regulatory issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Lost or stolen check

Complaint:
The reason I am asking for help is because : every month I buy a XXXX cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to XXXX to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a Capital One BANK ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at XXXX but cashed in Capital one bank. I was given a period of 120 days for resolution and during these 120 days I have been calling XXXX twice a week with no update except for XXXX saying that they have emailed capital one 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' capital one into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed by Capital one bank without endorsement, and howcome Capital one has not responded back to the Claim I have with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Specialized Loan Services and I have been requesting to get the Private Mortgage Insurance off of my loan for more than 8 months. After about 5 months, they finally had an agent call me for a valuation on my property and my house is unique. I live on a ski lake where every home on my lake is listing and selling for atleast $ 500k. The agent that SLS sent out came up with a valuation of $ XXXX and did not compare my home to any homes that have sold on a ski lake in the area. Now I am disputing the value and have been put through the ringer again. I wrote a letter to dispute the valution that was done and emailed it to them on XX/XX/XXXX. They said they never received it, so I sent it back on XX/XX/21 157 times with confirmation on each email that they received it. YES, 157 times!! The PMI is costing me more than {$240.00} per month and it is just me throwing money away. The managers never call back when they say they are going to call back and I am sick of dealing with this. I own 10 rental properties and 3 of them have loans on them where I had the PMI removed after a certain amount of time, but I have never had to deal with anything like this before.

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 2022-11-19
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Some one has made many accounts using my identity and accumulated much debt on my credit report I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... 
Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 

On XXXX, a payment of {$250.00} is due. 

They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. 

The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. 

Please help this man drowning in debt. 

XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Conduent Incorporated
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
For the past year I have been having trouble with my child support depet card. It never on it on time and I can never get live person on the phone to find out where 's my money or when should I expect it to be on the account. It 's take XXXX XXXX weeks for is to finally just show up for me to be able to use. Now this is a very pain in the XXXX not to mention it against the law to keep a on to money that by court order I 'm suppose to get in a timely fashion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not sure what this is from, the company has not contacted me but refuse to update my credit report. 

The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up.

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 2022-04-16
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I set up ACH to automatically make my lease payment on time every month. After XXXX consecutive on time payments, Chase cancelled the ACH without notifying me. When the last lease payment went delinquent, they didnt even attempt to communicate with me in any way no calls, no letters, no Emails, they didnt even send me an invoice! Instead they reported the delinquency to the Consumer Reporting Agencies and ruined my credit. Thats just plain wrong and they shouldnt be able to get away with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Collection agency XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$870.00} and Lockhart Morris & Mont, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) XXXX XXXX has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contact reach out to debt collection as well in accordance with the Fair Credit Reporting Act Account number XXXX well Fargo has been violated my rights 15 U.S.C 1681 section 602 A state I have a right to privacy. 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency Can not furnish a account without my Written instruction also the bank is unable to verify a deposit a missing payment which was discussed to reopen a new 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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CRA continues to violate FCRA 605A.  Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ]  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from 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 2022-04-16
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
After submitting my dispute requests, XXXX and Experian did not investigate this account. ( XXXX # XXXX ) appearing on my credit file. The account inaccurately reports multiple charge offs with absolutely no other payment history. 

The account has not been updated, corrected or deleted after several previous disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: E*TRADE BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been waiting for ETrade to return my {$100.00} checking account balance for XXXX XXXX months since requested ( 5 months after I closed the account ). 

I opened an account with ETrade in XXXX 2015. After a few weeks of 'please resend this or that document ' and them losing the documents, I closed my accounts ( checking, brokerage, ira, etc. ). I closed the accounts in XXXX 2015. It 's been 8 months and they still have not sent me the initial deposit I transferred into the account. ( I never used the account, initial deposit = {$100.00}. ) I 've made multiple calls and each time I 've been told a different story. Finally, on XXXX/XXXX/2015, a XXXX XXXX XXXX indicated they would send me a check and it would take about 10 days. Well, it 's been 84 days and nothing. Since I have no checks, no ATM card, and no access to the account, I ca n't do anything but wait.

Company response to consumer: Closed
Consumer complaint received 2022-11-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
l have a XXXX XXXX XXXX XXXX XXXX. I shop at the XXXX 's XXXX XXXX near my home and have been a customer for many years. I have always kept up with my bills, but suddenly I have received a bill telling me that I have gone over my credit limit of {$10000.00} and that I must pay them {$1300.00} by XX/XX/2022. 

I have been paying them around {$100.00} a month up until I received this huge bill. I contacted XXXX 's XXXX by phone and the woman said she would transfer me to " Hardship Cases. '' I was transferred to " Hardship Cases, '' and they told me to call the number on the bill to get information about credit counseling services. I called and there was no one there. 

I've been scrambling around trying to figure out what to do. I can not understand why XXXX 's XXXX did not deny the {$1300.00} in purchases when I ran the card in the store. I never would have gone over my limit on purpose and every card I've ever had, would automatically deny any charge over my limit. 

I can not tell you the stress and panic I have been experiencing since I have gotten this bill. 

I called XXXX 's XXXX yesterday to request a higher credit line in hopes that it would resolve the situation, but they said " NO. '' Is there anything you can do to help me? I am able to pay the {$100.00} a 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 2017-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX XXXX LEASED VEHICLE WITH WELLS FARGO BANK 60 MONTH LEASE WITH PAYMENT HISTORY CURRENT THROUGH XXXX XXXX XXXX XXXX VEHICLE TOTALLED IN ACCIDENT DURING XXXX INSURANCE PAID REMAINING BALANCE ON LEASE IN FULL XXXX XXXX XXXX, WELLS FARGO REPORTED TO ALL XXXX CREDIT REPORTING AGENCIES THAT MY LEASE AMOUNT OF {$25000.00} THAT ORIGINATED IN XXXX XXXX WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY FILED IN XXXX XXXX, DISCHARGED IN XXXX XXXX. 
THIS INACCURATE REPORT HAS CAUSED FINANCIAL HARDSHIP TO THE EXTREME THAT I HAD TO PAY EXHORBITANT INTEREST AND FEES ON LOANS, IN ADDITION, I AM NOW WITHOUT A VEHICLE DUE TO THE REPORTS CAUSING ME NOT TO QUALIFY FOR AN AUTO LOAN ANYWHERE IN THE UNITED STATES. I HAVE DISPUTED THE ERRORS NUMEROUS TIMES WITH ALL XXXX CREDIT AGENCIES WITH XXXX RESULTS OF REMOVING THE ERRROR REPORTED BY WELLS FARGO. INSTEAD, WELLS FARGO CONTINUES TO UPDATE THE PAID IN FULL LEASE ACCOUNT FROM XXXX AS DEROGATORY.

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