BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX of 2014 I took out a loan with Capital One Auto Financial in the amount of {$28000.00} for an auto loan. I came into XXXX XXXX to purchase a vehicle because I had gotten several pieces of mail saying I was pre approved for a loan up to {$30000.00} from Capital one. I am a XXXX and had a fico score of XXXX at that time. The interest rate I was given was 21.74 % and the dealer told me that i had to purchase a warranty for {$2200.00} to qualify although I was presented with a paper to sign saying that I did not. Along the term of this loan I have had two instances where i was approved for due date changes that I did not receive and cause me to have late payments on my credit history. Also I was told over the phone that I was approved for an extension and did not receive that either and caused my payments to pile up. I feel that here it is three years later and I still owe {$23000.00} of the initial {$28000.00} I have borrowed with almost three years of payments of {$710.00} and still have three more years to go. This loan was predatory and I feel that I was taken advantage of. I could not refinance because I 'm so upside down and have no hopes of trading it in either. Now I 'm behind in payments and I am just at my wit 's end and really need your help. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act these companies has violated my rights and have been reporting WITHOUT my consent. 

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 a account without my written 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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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 2016-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting a alleged mortgage on my credit profile for something I 've never had. I do not have nor have I ever had a mortgage with XXXX XXXX. No other credit report is showing this information and after investigation Experian says it is accurate. That is impossible because I 've never had that mortgage. Do n't they have to provide me with proof that that debt belongs to 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 2017-02-27
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am not given any information when I need to renew my repayment plan, I am just sent a very large bill that I cant pay. When I contact them to have the issue fix, I get a run around, am given information to sign up for programs I do n't qualify for, throw into " forbearance '' so they cant still collect interest while hopefully fixing the problem. I have even made a payment a few years ago on a small amount that they say was for some reason not included in my consolation. I now have it on my credit report as default .... I do n't have the proof of payment as it was much later I found out they did this! Very bad company to deal with. Rip you off every chance they get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Chatted with a Capital One representative onXX/XX/XXXXaround XXXX about payment options for late payments and what options were available as a result of covid-19. We were able to make arrangements to cover the late payments but the company seemed to be unwilling to suspend the interest I was going to accrue while making the payment arrangements. I totally understand I was late but I would've hoped they would've been able to pause my interest. 

Attaching the payment terms we agreed to for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Southwest Credit Systems, L.P.
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 belongs to someone else

Complaint:
On XX/XX/2020 a collection letter was sent to me by Southwest Credit Systems add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Southwest credit systems has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX   XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX IN XXXX {$44.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$490.00} I believe this is a bank account I did not open!!!

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 2016-03-26
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.

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 2021-07-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had applied to a couple of jobs 2 weeks ago and I recieved a text message from the phone number XXXX saying " Hello, Good Day, I hope this message finds you in good health. Im Mr. XXXX XXXX from the company " XXXX holding ag '' your resume which was reviewed by the company 's talent acquisition team, will be paid XXXX per hour during working hours, I believe you will be ready to know more? '' they gave me an interview through XXXX  and mentioned that I got hired, they told me that I needed a few equipment to start working on that following Monday and they were going to provide me with the equipment by sending me check, I received the check the next day of XXXX dollars deposited into my Chase bank account while doing all this I was keeping contact with them via XXXX  messages, I have all the evidence and paperwork they had sent me to sign them and emailed it back to them like 3 days later the check still wasn't deposited so I called my bank they told me they were verifying the check the lady I spoke with called another department to see if it was verified at the end of the call she told me that they verified and that there was nothing wrong with the check it didn't seem fake or anything like that so the amount was already in my account so I send them the money they asked me for through XXXX which I have the email of the persons I send the money too I sent XXXX in total to them and XXXX of those was through a visa card the 3 emails I sent it to are XXXX ( XXXX XXXX ) registered as " XXXX '', XXXX ( XXXX XXXX ) registered as " Rainal '' and XXXX Registered as " XXXX '' they also got my social security number two days afterwards I log into my bank account my bank account was and is negative XXXX dollars so I called my bank and they told me the check was fake and that I had to pay the amount negative in the account because I send the money voluntary without knowing it was a fraud job and when I went to speak back to the person he had blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}.

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 2021-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN SAYS THEY WANT ID TO DO DISPUTES. 
EXPERIAN KNOWS WELL WHO I AM ..THATS WHY IM ASSIGNED TO XXXX XXXX IN EXPERIAN CONSUMER AFFAIRS SPECIAL SERVICES.

EXPERIAN DOES NOT WANT TO DO DISPUTES AT ALL THATS WHY THE SECOND DISPUTE ON ANY ITEM IS DETERMINED TO BE FRIVOLOUS.

THEN THEY DO NOT ALLOW UPLOADS SO THAT THAT DENIAL CAN BE OVERRIDDEN, I HAVE PROVIDED SUFFICIENT ID MANY TIMES.

HERE IT IS AGAIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer on XX/XX/XXXX to my mother in law for {$850.00}. The wire shows completed on chase but never showed pending or came in for XXXX  XXXX XXXX. I called chase to make sure I didnt fat finger the account or routing number. Everything was good so I waited a day or two more to see if the transfer would show then. Still nothing so now I have XXXX in limbo somewhere. I have made two inquires about this issue but have yet had any response from XXXX to assist me with this issue. I have also tired calling them but keep getting the circled around to different departments because no one can figure out how to help to the point I keep getting hung up on. I cant afford to lose money in crisis like these and would like to have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11
Company: Red Cedar Services, Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
In XXXX I took out a payday loan online with 500 Fast cash. The loan was for {$250.00}. My {$75.00}. Payment was to be debited on the XXXX of each month..Everything was fine until XXXX, XXXX when my payment was not taken out. I called XXXX and it just rang. Called several times later that day and for weeks after and still no one answered the phone. I emailed a letter asking why my payment was n't taken and emailed it to customerservice @ 500fast cash.com..I never received an answer. I repeatly tried to call still no answer. I then faxed a note stating I hereby do not authorize my bank to pay them in the future. I was afraid they would debit my account an exorbitant amount. Still no communication. If I had an address for these people I would have sent a certiief letter but apparently they do n't stay in XXXX place long enough. Months later I started to receive extremely harassing calls from a male who I could barely understand screaming that a policeman would be at my door soon and I had better make a payment. He never mentioned what and who this was about and I screamed back and hung up on him. He called again and did for a few hours. Time went by and he started again. I did go to the police dept. but of course these scammers are hard to track down. This went on intermittently over the years when they starting call in my brother 's house whose name I gave as a reference. I was living XXXX at the time my address had n't changed, neither had my phone number but they harnessed my brother to this day. 7 years of harassement. I moved from XXXX and my brother told me he has gotten calls from a company called XXXX XXXX XXXX from XXXX XXXX. I called him yesterday XXXX/XXXX/XXXX and me told me I owed over {$400.00} from this loan and he thinks it might be because of a bad check. The money was taken out of my account until XXXX XXXX, XXXX when that stopped. I told him exactly what happened and I also filed for bankruptcy in XXXX. He said they will sue me still for the check and I would incur many times over what was originally owed. I have this figured out. They take out the payment for a while and then stop. I could not reach them In any way possible and then they send the scammers after me. I called my lawyer and his secretary told me coincidentally another client called her yesterday about the very same agency..If I could afford a protracted lawsuit I would love to out these vultures out of business..I kept every piece of correspondence from me, emails, copies of problems other people have had with these people. I also have copies of my checking account showing the debits all paid until XXXX when no debit was made. I think this has to be dealt with seriously. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About XXXX XXXX years ago I opened an account with qvc. About a month ago with no notice no validation no communications they shut down my account... .my purchases were paid by my personal credit card. When I questioned why I was shut down they qvc stated that I owe a balance of XXXX with synchrony bank from 2017 ... to contact the collection agency XXXX...... I contacted the collection agency and they no longer have this account. When I informed qvc of this they stated that I can no longer shop at qvc and that im barred and that synchrony has written off the account. Before the shut down on my account I was paying on my purchases ... as explained never got any validation of this XXXX debt with synchrony ... this is on my credit report and would like it to be removed it is a degrotory remark ... .because my account was shut down and still paying on purchases I can not access my account... I still owe around XXXX ... .because of not being notifies of the shut down on my account and I still liable for the remaining balance.

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 2020-03-31
Company: EQUIFAX, INC.
State: NJ
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:
To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing this on behalf of my wife of 55 years XXXX XXXX. 
Sometime in XX/XX/XXXX my wife saw some woman, XXXX XXXX XXXX, in XXXX, AZ who claims to be a physician. 
My wife has problems with hearing so I always go with her. We clearly and repeatedly stated that that we were there for the annual " wellness '' check-up which XXXX pays in full. 
We also asked for XXXX injections. The woman said XXXX did not pay for that, we had to pay ourselves. We know today that this is a lie, XXXX pays for that. My wife had XXXX, I was asked and paid {$25.00} for each. We have the receipts. The woman was also paid in full by XXXX. 

Fifteen months later, in XX/XX/XXXX, we received a letter from a " XXXX '' in XXXX, AZ demanding {$88.00} for XXXX XXXX XXXX and {$75.00} for himself. I went to that woman 's place and disputed that. She said I only needed pay {$88.00} to her. I left. Many months later, we received a letter from that woman claiming that my wife owed her {$160.00}. We ignored it. I reported the woman to the FTC and her partner in crime also to the FBI and FTC. I addition, I reported the woman to the Inspector General 's Office in the Federal Dept. of Health & Human Services. 

Five days ago, we had a look at our credit report. It says there that the " XXXX XXXX XXXX '' has posted in my wife 's credit report that she owned him {$160.00} and that she had paid. My wife has never owed money to that woman nor to that " XXXX XXXX XXXX '' and never ever paid any money to them. They can not prove that unless they have forged my wife signature in which case they will go to jail. That woman, XXXX XXXX XXXX, may have my wife 's signature, from XX/XX/XXXX. 
Please note, they posted that in my wife 's credit report sometime since XX/XX/XXXX as, we have a credit report from this Month which does not contain their entry. 
In the above context please allow me the question : is everyone allowed to go to XXXX and/or the other criminals and claim that someone else owes him money, without presenting any evidence? and even anonymously? 
We appreciate your help us we are both retirees and can not afford to pay a lawyer. 
Depending on their response to you, we are considering spending our last penny and get them to jail. After losing any professional license they may have. We will make the story public anyway. 
We able and willing to repeat the above in a court of law, under oath.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation