BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently sold my car in a private sale. The seller issued a certified check to Capital One which was overnighted and received by Capital One the day after the sale. After several days, my payoff did not post and I contact Capital One to determine what issues there may have been. I was advised sometimes processing can take up to XXXX business days. It has now been XXXX days since Capital One signed for my check and no payoff has posted. Capital One has advised that they can not find the check in their facility. They want me to contact the buyer, have them place a stop payment on the check and reissue the check, however, they will not reimburse a XXXX party for this hassle. Capital One has basically said although they signed for a check that they lost, they want the buyer and me to incur the costs of replacing the check. The level of incompetence is astounding. At this point, I can pretty much tell the Capital One representative ( s ), and mind you there have been MANY, exactly what they will say when " researching '' the issue. They say things like, '' once the check clears, send us a front and back copy and we can process the payment ''. This would be a solution to the problem except for the fact that the bank ca n't issue copies of checks that have n't been cashed. At this point, I am forced to wait another XXXX business days, which is five actual days for them to do more " in-depth research '' regarding the location of the check. Call me crazy, but what was the team researching for the past week and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I called to extend my lease for 1month. I was told the fee would be XXXX. I was told XXXX times that I would be sent the extension paperwork-not to send in the payment alone but with the document of extension. I was told this and waited. The paperwork did not come until 19 das later. My phone has been ringing with them calling me telling me that I am late ; I have explained my situation but to no avail. I have asked for the harassment to stop. I blocked their phone number but now another one of their phone numbers call. My last appeal for the incessant calls I was told that until they received the paperwork the calls would and could not stop. Interesting though I thought since they did receive my check. I have never been late with a payment and want others to know about the awfulincompetent service. I am afraid this will never be righted and my credit will be affected. The XXXX has had XXXX complaints in 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Radius Global Solutions LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I received one bill for my daughter medical bill from collection agent. 
I called same day we agree that I pay {$390.00} as sattlement and they don't report to credit report. Since XX/XX/2020 I keep asking them for a Receipt " Hard copy '' and email to confirm the bill is XXXX and they don't report to three credit report. 
I spoked to three supervisor and they keep liay about they will mail it and email. Last time I called was XX/XX/XXXX If they do that to me they must doing this to other. And they not reported to IRS. I paid it by credit card on the XX/XX/2020. They had my correct address and email. They have branch in XXXX, CA but they go to the office once or twice a month per security building as he told me. 
They located the main office located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN. XXXX Tel. XXXX XXXX XXXX XXXX Company name : Radius Global Solutions LLC

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 2021-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts listed that are not related to any transactions done by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-01-07
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my 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 2015-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegmeent was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
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 have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX  that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My husband and I decided to fiance a new car through the dealership. I was unaware however, of how many hard inquires the company actually performed. I just recently found that a total of XXXX hard inquiries were performed, XXXX for TransUnion and XXXX for XXXX. 
Because I was only aware of XXXX inquire, to be made by the dealership itself, it is my hope to dispute and remove these other hard inquiries as they were performed without my permission and have damage my credit already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion has fail to provide me with proper information regarding negative collections on my account. Also, Transunion has verify accounts that have been closed or sold out but have recent payments of {$50.00}, {$30.00} or {$100.00} dls payments.

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 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I Received Notification That TransUnion Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The TransUnion Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My TransUnion Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The TransUnion Credit Reporting Agency Should Accurately Report That The Balance is Zero.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Also mark " Unable to get my credit report or credit scoreSubsection : " Problem getting my free annual report '' Bureau : TransUnion, LLCI the consumer have been unsuccessful of obtaining my free credit report from TransUnion , LLC which is in direct violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681j. 612. Charges for certain disclosures ( a ) Free Annual Disclosure ( 1 ) Nationwide Consumer Report Agencies ( A ) In general. All consumer reporting agencies described in subsections ( p ) and ( w ) of section 603 shall make all disclosures of pursuant to section 609 once during a XXXX-month period upon request of the consumer and without charge to the consumer. 

Me the consumer, have been trying to receive the free copy of my credit report from TransUnion LLC for over XXXX years, and they are unwilling, and wo n't fulfill my request. 

TransUnion , LLC. Also is unwilling to help me establish a account on there website via XXXX I 've been transfered multiple times to there different number to resolve the issue, and it has yet to be fixed. I keep getting error " We are unable to complete your request ''. I 've already filed a dispute for a collection I 've paid off, and they do n't understand that I wan na track my status via the account access feature that TransUnion LLC offers free of charge. 

None of there agents speak good XXXX, or XXXX poor XXXX I ca n't understand there requests half of the time, or what they are trying to tell me when I have a issue. This is totally unacceptable. The " techs '' on the other line who I am trying to talk to, want to get off the phone as fast as possible, want to do the minimal amount of work, and do not care about the consumer. I would n't be writing this complaint if they would 've spent a extra XXXX minutes with me the consumer to resolve my issue. Total lack of transparency. 

I 've already submitted information per TransUnion LLC dispute page stating I 've paid off the debt collection, and the account is closed. I 've been told XXXX different answers1. The dispute was opened XXXX XXXX 2015 and is being processed and reviewed2. The dispute was opened/received XXXX XXXX, 2015 and is being processed and reviewed. 
3. My dispute was unsuccessful account to another " tech '' and tell me I had to re-file. I ca n't refile if another " tech '' is stating I already have a dispute open? 

I have attached a settlement from the Debt Collection agency, stating my account balance is {$0.00}. I want this remark removed from my account ASAP, I want to get access to my free annual credit report from TransUnion LLC, and I want my account established.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have notice per credit report that XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of 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 explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
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:
my address on my report are wrong XXXX XXXXXXXX XXXX XXXX Ca XXXX i never lived in california alos this address XXXXXXXX XXXX XXXX XXXX. new XXXX XXXX XXXX the hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the sof inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX Capital one Card inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: ALLY FINANCIAL INC.
State: MD
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:
There is misleading information that is reporting 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 explanation
Consumer complaint received 2021-01-07
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a mortgage loan with Veterans United. I had submitted all required documents including my reasoning for unemployment during the COVID-19 pandemic. Prior to the preapproval, I had informed my loan officer that I was just starting to work after several months of unemployment. I only had my VA XXXX as my source of income. He assured me that that was fine. Once I started working, I would send in my Paystubs. My loan officer knew that I was just starting to work yet I was still preapproved. With my preapproval, I began searching for a home. I found a home and I paid for an inspection. Throughout this whole process, my loan officer told me that everything was looking good. He reassured that with my credit score and income, I would be fine. Unfortunately, I was denied the loan because I had not worked for 6 months at my current job. My loan officer had known that I had not been employed for that long but he still gave me misleading information. Had I known that I needed 6 months of employment, I would have waited and not spend money on an inspection. I believe I was given misleading information throughout this whole process.

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 2020-03-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Goal Structured Solutions, LLC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As stated in last complaint 1. Lack of info from creditor 2. Intentionally drawing interest 3. Not providing me information on how to pay and how to log in

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.

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 2020-05-11
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX or XX/XX/XXXX, Chrysler Capital owed me a refund of {$43.00}. Chrysler Capital 's address is XXXX XXXX XXXX, XXXX, IN XXXX. 

Rather than send me a check, as I would have preferred, they sent me a prepaid MasterCard XXXX XXXX XXXX XXXX. I hate prepaid debit cards and would never accept one if given another option. The documentation that arrived with the card clearly showed that I could not get the cash from it, but had to spend the balance instead. I threw it in my truck and after some time I tried to use it, but it was declined. I have never accepted any form of a cardholder agreement for the prepaid card. 

I wrote to Chrysler Capital requesting a check for the refund. They never responded. After a while I received a letter from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. They sent me a check for {$16.00}. 

Again I wrote to Chrysler Capital asking for the balance, and again they did not respond. I did receive a letter from XXXX asking me to call them for resolution. After several attempts, I finally reached a customer service agent. She informed me that They kept {$27.00} for fees, which they would not send to me. 

The original letter with this card shows that it is issued by XXXX XXXX  XXXX. 

I clearly did not request this card, nor did I agree to any fees. I want my refund in the form of a check.

Company response to consumer: Closed with explanation