BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to the coronavirus lockdown in XXXX, Texas, I lost 100 % of my income as of XX/XX/2020 when my governor declared a state of emergency and my city/area went on lockdown. 

I contacted Capital One Auto Finance on XX/XX/XXXX and spoke to the customer service representative and told her the situation, and that I lost my income and would not be able to make payments until this was lifted. My two biggest concerns were delinquency reported on my credit report and repossession of my vehicle during this crisis. 

I stated that I would not be able to make a payment until the lockdown was lifted and I was able to make an income - and what was Capital One doing to help people through this without destroying their credit. At that time, it was not an option for self-employed people to receive unemployment nor receive the SBA small business loans - both of which were signed into law on XX/XX/XXXX, after I made this call. 

At this time, the customer service rep stated that my loan was not far enough into delinquency to take any additional action and that I was not currently eligible for my current payment to be moved to the end of my loan term ( added on payments ), that I would need to wait until the loan was past the 30-day delinquency and call again sometime after my next loan payment was due to see what was available at that time. I " may '' qualify for two payments to be added to the end of my loan agreement. 

Today I received a notification that Capital One reported a delinquency on my credit report as of XX/XX/XXXX! This will now remain on my credit report for 7 YEARS! And all due to the coronavirus lockdown. I am now on week five of brining in zero income and still awaiting unemployment and SBA small business disaster relief, like millions of other self-employed individuals. 

I was told on the XXXX when I called that Capital One based on what I was told, my understanding was that delinquencies would not be reported delinquencies nor would any repossessions initiated during the lockdown. 

On XX/XX/XXXX, I contacted Captila One again. I spoke with Agents XXXX, XXXX and then XXXX  with the office of the president. XXXX informed me that she would be escilating my case higher up to see what could be done about the report to my credit. She stated that it is the LAW, even during the coronavirus, to report deliquencies. 

Those of us who are self-employed - or have lost their income through this virus and lockdown - and are 30 days late on payments are being punished for the next seven years due to something completely out of our control! It is unconscionable that during such a crisis that we have to fight with lenders when literally millions of Americans are without an income for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was enrolled in credit defense at Wells Fargo and i never signed up for it. I was charged XXXX since XXXX XXXX I think. I am only able to access my credit card statements for XXXX and XXXX and i added those charges to be XXXX. I then called Wells Fargo and they told me i was charged the {$1100.00} I have requested them send me that information so i have it and also i have requested all my credit card statements to be mailed to me but it will take XXXX7 business days. I have filled a complainant with wells fargo but they said they will get back to me in writing in the next 10 days and i do not believe them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act : Account Name : US DEPT ED Account Number : 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 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 2016-12-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: Brock & Scott, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: R & B Corporation of Virginia
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. 

My husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NM
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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 2022-05-12
Company: Rent Recovery Solutions
State: NC
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 account does not belong to me. It was previously deleted from my credit report when found inaccurate, and has reappeared under a different collection name. This account is fraud. 

Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XXXX XXXX Name RENT RECOVERY SOLUTI Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This account also does not belong to me and is fraudulent. This collection was also removed, but had reappeared. My profile has been frozen and fraud alert put on it. 

XXXX Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: AR
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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 2017-11-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Never notified of loan changes payments were not the processed right never gave copy of loan or payment receipts they put me in repay agreement doubled my payoff and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE ACCOUNT HAS REACHED THE STATUE OF LIMITATIONS AND SHOULD NOT BE REPORTING ON ANY OF THE CREDIT REPORTING AGENCIES. PLEASE REMOVE THIS ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES

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 2021-12-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021. 

The whole tactic was played to avoid the promotion bonus mentioned below. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021.

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 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
ON THIS DATE XX/XX/2020 I CALLED THE WELLS FARGO HEADQUARTER CEO OFFICE REGARDING A TRANSACTION I FILED WITH THE BANKER NAMED XXXX WAS ABLE TO SIT UP A CLAIM FOR ME AND GIVE ME A CLAIM NUMBER. XXXX STATED TO LET THE CLAIM SPECIALIST KNOW NOT TO PUT THE DEBIT CARD ON HOLD. IF ANYONE LISTEN TO THE RECORDING OF THE CONVERSATION I NEVER STATED TO XXXX THAT I WAS REPORTING A FRAUD. MY DEBIT CARD WAS IN MY POSSESSION. IN FACT I MADE A PURCHASE AT XXXX STORE ON SATURDAY XX/XX/2020 ATER THE TRANSACTION THAT WAS ACCIDENTLLY MADE BY ME TO XXXX FOR {$14.00} THE NIGHT BEFORE. WHEN I SPOKE TO XXXX ABOUT NOT BLOCKING MY CARD AND THE INSTRUCTING GIVEN TO ME FROM THE EXECTIVE OFFICE, SHE INSIST BLOCKING MY CARD ANYWAY. MY DEBIT CARD IS NOT LOST OR STOLEN. THE CARD ID STILL IN MY POSSESSION AS OF THE ABOVE DATE

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NY
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be DELETED from my report immediately :

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 2021-12-21
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account balance with PayPal of {$1100.00}. Since XX/XX/2021, I have been in almost daily communication with PayPal XXXX requesting that a check for this balance be mailed to me. The PayPal user agreement of XX/XX/2021, states that checks can be mailed subject to a fee of {$1.00} and confirmation of the customer 's address. The user agreement does not state that mailing a check is subject to the customer sharing a bank account number. Unfortunately, the PayPal website does not provide for a withdrawal of my funds without linking my PayPal account to my bank account. Most of the PayPal XXXX with whom I have spoken by phone or messaging have directly stated that the only way for me to receive a check for my account balance is to submit my bank account number. One XXXX offered an alternative way to confirm my address by re-linking a credit card. This process was complex and burdensome and in the end did not work. I have made it clear to all of the PayPal XXXX that I am not willing to share my bank account number with PayPal -- especially since the user agreement does not require it. No one has yet offered a way for me to access my funds without my giving up private information I want to protect. In addition, no one has explained why they are forcing on me a requirement that is not stipulated in the PayPal user agreement. I believe I am experiencing a rather clear case of a large company ignoring its user agreement to coerce a customer into sharing sensitive personal information against his will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
To Whom It May Concern : PROBLEM : XXXX XXXX HAS REFUSED TO ANSWER MY EMAILS WITH CLEAR ANSWERS AS TO WHY THEY DO NOT LOWER MY INTEREST RATES WHICH ARE AT HISTORIC LOW LEVELS. EVERYONE CAN REFINANCE HOMES, AUTOS, ETC. BUT I CAN NOT REFINANCE MY STUDENT LOANS! 
I am XXXX years old, married and with a child on the way. We are tirelessly saving to buy a home in XXXX, but we 've been crippled by over {$120000.00} of student loans when I obtained a XXXX degree from XXXX in XXXX. 

It 's been six years since I XXXX in XX/XX/2009 and I 've paid over {$90000.00} in interest alone and the principal is lowering at a snail 's pace. We have not been able to take even a small vacation since we married XXXX years ago and there 's no light at the end of the tunnel to live a normal, quality life. It 's strained our marriage early on and we 're so nervous about having children. 

We need help please. Real help. I did n't know what I was doing at the time and my parents were first generation folks who could n't guide me at the time. Help us somehow. Please do n't pass us along to some ( XXXX ) number. What program is there to help me? I will do whatever it takes to climb out of this. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One was sent a cease and desist with a list of specified remedies that is not being honored. I have confirmed they received my notice on XX/XX/2021 and I have received another statement demanding I pay for an alleged debt that does not belong to me. It has been well over 30 days and I still have not received the requested audit trail of the alleged debt. This is a direct violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 moneylion allowed 5 unauthorised transactions from another bank in the amount of {$800.00} I do not know who or what the bank is I never use that bank the bank is in XXXX and moneyline told me that basically it was my fault that my online virtual banking was used I have about two disputes one on XX/XX/XXXX and the other on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX  over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.

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