BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Refinanced to capital one in XX/XX/XXXX. Sent all required documents. Months following capital one has said they needed documents again. Fast forward to XX/XX/XXXX and capital one claims all documents needed have been accepted and they needed to mail to state of Michigan for title processing. Ive called every week since XXXX asking the status of my title, Ive gotten the same answer, that they needed to send documents into the state and are slow in the processing department. Fast Foward to XX/XX/XXXX and they email me saying the documents are needed again! I call and they Agree its their fault this has been such a hassle. Now they are requesting documents again and basically starting the refinance process over again. They have cost me thousands of dollars since I could not pick up the new vehicle I ordered and had a deposit down on since Capital one still has my title for my truck. They are holding me XXXX in my truck. I need some resolution and capital one has been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I will be filing a complint on your company for sharing my personal information with my coworker when the young lady called and talked to three coworkers and advance america was not surpose to give your company my social security number i signed a privacy policy saying my personal information will not be sold or shared which is identity theft please cease all communication with me and my complaint will be filed with the consumer financial pertection bureau sincerely XXXX XXXX

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 2021-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Financial System submitted a negative report on my credit bureau for an attempt to collect a medical debt of {$160.00} that I never received any advance notification for. I spoke with their representative for the first time 2 weeks ago and paid the debt on XX/XX/2021, however they submitted a negative report on my credit bureau. I want them to remove the negative remark from my credit bureau as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS

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 2017-06-04
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. 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 explanation
Consumer complaint received 2017-06-04
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit report I noticed Diversified Consultants, Inc. reporting a negative account with a balance of {$300.00}. I immediately disputed this with the credit bureaus and then I received a letter, which is attached, claiming to be collecting for XXXX. I sent a letter, which is attached, requesting they verify this alleged debt on XXXX, XXXX 2017. As of today I have not received any response. The letter was sent USPS Certified Mail with Return Receipt, also attached, and was received by Diversified Consultants Inc. on XXXX XXXX, 2017. It has been nearly 60 days since they received my letter and I am now demanding they delete this account from my credit report since they can not provide proof nor respond to my letter in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: Resurgent Capital Services L.P.
State: FL
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.

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 2019-12-10
Company: Experian Information Solutions Inc.
State: VA
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:
A Fraudlulent XXXX XXXX Account is being reporting on my Experian credit report. This account does not belong to me. I HAVE CONTACTED EXPERIAN ABOUT THIS MATTER ON MANY OCCASIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions 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:
XXXX XXXX and XXXX XXXX XXXX  are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are 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 non-monetary relief
Consumer complaint received 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.

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 2017-06-04
Company: EQUIFAX, INC.
State: WA
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:
3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: MI
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 am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.

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 2022-04-07
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: Information belongs to someone else

Complaint:
What was the method of verification? This account is in violation with XXXX compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX 2021 I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX In. XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit 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 non-monetary relief
Consumer complaint received 2017-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Constantly calling with short ANNOYING statements " CALL ENDING ",  XXXX  THEN A PAUSE AND DISCONNECT and other short comments through out the day Several Times A day ... ..sometimes Just Holding the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have relocated to another state and have been trying to get my car title transfer in the state where I currently live ( XXXX XXXX. The XXXX  DMV has asked for a copy of the original title from XXXX  ( where I used to live ) to complete the titling process. 

I have been in contact with Kia Motors Finance since XX/XX/2021 and have made several attempts for them to either send me the requested document ( so that I could share with the DMV ) or have them send it to the DMV directly. I have been unsuccessful in getting this ( fairly simple/routine request ) done and have wasted hours of my time. 

The Kia Finance representatives have continued to lie to me, each time convincing me that the issue has been taken care of - while the DMV 's records are still showing otherwise.

This issue has caused me harm as I was informed by the DMV that I woildnt be able to sell the vehicle until the title rransfer situation has been sorted out.

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 2019-12-10
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a line of credit with Fortiva  retail credit from XXXX XXXX back in XX/XX/XXXX. I paid the balance of over {$1500.00} in full in XX/XX/XXXX. They started calling me telling me I owned money. I called to close the account and it was never done. I did not get the mane of the rep I spoke to ( Big Mistake on my part ). I was later hit with an annual fee and late fees starting pilling up and interest because I did not want to keep the account open. As of today XX/XX/XXXX my balance is {$130.00} which are all fees and interest. I owe them nothing. I refused to be bullied into paying something I do not owe. My credit score has dropped by 10 points because of this. I am beyond infuriated. They are crooks and I will never do business with them ever again.I have spoke to so many different reps that they conveniently do not see in their system. I spoke to a customer rep named XXXX XXXX back in on XX/XX/XXXX at XXXX and asked her why are they not honoring my wishes to close the account and reverse those fees. She closed the account but never reversed those fees. Now the fees keep adding up every month and I will not pay them. I paid what I owed in full in XXXX and I will not pay them one more Penney even if it hurts my credit. It's the principal of it all. As I write this I attempted one more time to speak to a representative but I was put on hold and the call dropped. I tried again a second time the call disconnected after I verified my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: FL
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've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, Equifax and neither XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Social Finance, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm not too clear on the date but my account was suddenly frozen to assumptions of fraudulent activity. From that day since have I've tried to contact their fraud prevention team in order to clear up any misunderstanding and hope to rectify the problem with my account. I stopped calling cause never gotten a response after leaving numerous messages with a reliable call back number as well the reason why I was calling. Approximately a year has passed since I made contact with SoFi, who I was banking with, and as of to the thirtieth of last month over a week have I tried to contact the fraud prevention team to close my account and see if they're any necessary steps to be taken in order to do so. It is now the XXXX of XXXX and still haven't heard anything from their fraud prevention team. I'm upset, confused, and frustrated of how I'm being treated by this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I basically asked if I could lower my payments and a Navient loan servicer stated you cant because ur curent. He stated u could let it go delequent then to a forebarance. Some of there loans had combined with XXXX XXXX and were sold to XXXX XXXX loans. I had lost track of them for a while as i didnt pay on them for around 2 years. I then when on rehabilitation programs and am current on them, but its a struggle to pay bills, rent, and feed myself properly sometimes. <P/>
I owe around 15000 on these bundled Navient loans. The payment is extreamly high at XXXX a month and currenrly in the process of lowering my XXXX XXXX Loans ( some were served my Navient at one point but ive lost track and need to call them on that for details ). I owe a total of XXXX where they were about to charge me over 250 a mounth if i hadnt stopped it and tried another option of repayment. Im deff lost on what my options are. Its as if they expect u to just guess which options best. Icome driven or loan forgiveness. Trying the income drive process with XXXX XXXX at the moment, but Navient just clearly said no on that even when I told them about my XXXX XXXX loan. They may be waiting on that process to know my min payment. They were deff not clear on what i could or couldnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed an erroneous dismissed bankruptcy that is reporting on my Experian report. I have attached a screenshot of a credit monitoring site, XXXX that shows that the bankruptcy is not reporting with XXXX and XXXX because this account is NOT MINE. 

Chapter XXXX Bankruptcy Dismissed Date Filed XX/XX/2016 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I had a XXXX  installed from a XXXX  in XXXX XXXX, FL from XXXX XXXX ; XXXX XXXX XXXX. The XXXX  cost was {$1800.00}. I paid for the XXXX with a GE Care Credit credit card issued by Synchrony Bank. The XXXX was terrible work. I asked for the XXXX  to redo the XXXX, which she asked for the full fee to redo the XXXX  again, which I refused to pay and moved on to a new XXXX  who has redone the XXXX for {$1500.00}, which has been charged to my GE Care Credit charge card. I have disputed the charge with GE Care Credit and issued a letter from the new XXXX  detailing all of the ways in which the previous XXXX  was bad work and how it was causing me problems and would cause more problems in the future. GE Care Credit says they do not resolve " quality issue '' disputes and I am responsible for the charge. The XXXX  will not refund me and the credit card company is holding me responsible. 

I have filed a complaint against the XXXX  with the state of Florida Board of Health, and she is being investigated. In the meantime, I want the charge refunded and retracted from the dentist.

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 2022-04-27
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated phone calls from this place even after the debt has been removed from my credit report. They bought the debt from an apartment complex I used to live and now will not leave me alone with the unprofessional and repetitive phone calls. Its basically harassment at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Intercoastal Mortgage LLC
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Inter Coastal Mortgage wired money without confirming the transfer with me personally that ended up being Fraudulent. According to them I requested a transfer of {$150000.00} to be sent to an account other than mine. this should have been confirmed with me personally. It has been XXXX days and I have yet to recover these funds. it is putting a hard ship on my business for someone else 's miss handling.

Company response to consumer: Closed with explanation