BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  Capital One is trying once again to steal from someone ( me ) after they cancelled my credit card in the dishonest and underhanded fashion that is their hallmark. I purchased a deposit on in item in early 2021 ( the XXXX XXXX XXXX XXXX ) and after a year or more, there was no confidence whatsoever that we were any closer than the year earlier, so I asked for a refund. I assumed wrongly that since XXXX Capital One cancelled my card, they wouldn't accept refunds on it and that XXXX would have to send me a check. 

Are you surprised that a bunch of evil thieves would cancel an account **but still accept refunds** on it and then not actually pass along the refund to the consumer who the refund belongs? If you are, you haven't been paying attention to Capital One. 

They sent me a letter after they crookedly accepted the refund and that I would receive the refund after two statement cycles. So they made a fast grab at my money and then graciously said they would forward it to me after using it for TWO MONTHS. Just wait ... it gets even more despicable. It's not past three statement cycles and there isn't a shred of evidence the money has moved from their crooked pockets. 

The fact that they can do business in the United States if another piece of evidence that this is no representative democracy, but a kleptocracy. 

To any investors or potential customers of Capital One, take note. You better save every shred of paper you exchange with or about transactions with this crooked organization crime front because they are all working to steal your hard-earned money one way or another. As soon as you stop paying attention, you'll be wiped out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ERC
State: MD
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:
My ex-girlfriend opened this account while we were together, without my permissions, using my social security number and date of birth. I was home at the time, and she had gone to the XXXX store she worked at. XXXX ( the company alleging I owe this debt ) had a sales rep at XXXX stores at the time, and this is how she signed up for XXXX service in my name, using my information, without my knowledge or permission. 

I noticed the debt when our relationship ended and I moved out. I disputed it, and submitted as evidence the surveillance video of the XXXX store on the day and time this account was opened, showing that I was not present at the time. 

I submitted a written notice of dispute to XXXX in XXXX 2014, and alerted the XXXX credit bureaus. After submitting evidence, it was settled and removed from my credit reports. 

I 've just received a collection letter from Enhanced Recovery Company , LLC, alleging that I still owe this debt. This is unfair debt collection practice as this debt was determined to be the result of my identity being stolen.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2015-10-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan on XX/XX/XXXX, and made the 1st two payments on time. Since then I had to take XXXX Leave from my job to care for my spouse. I am no longer able to afford this loan, since I 'm currently not receiving pay. I have offered the Cash Store amount to settle but the agents are rude, and leave threatening messages on my phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX 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 2015-07-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Truist and I had used the cash reserve that they offer with my checking account & I went in to pay the amount due ( {$38.00} ) on XXXX. I got an email confirmation stating that I would only be charged the {$38.00} with the pending date of XXXX. 

I then went back into my account to continue paying other bills & noticed that they took out {$600.00}. This caused my account to be in the negative over XXXX XXXX 

I immediately called the fraud/dispute number for the bank and they told me that since it was a payment to Trusit directly there was nothing they could do so I would have to call the customer care line. 

Once I hung up with them I had to wait a few minutes to call customer care since they did not open until XXXX and it was currently XXXX am. on XXXX. 

Once I was able to call customer care around XXXX on XXXX, I spoke with someone and they kept putting me on hold over and over again. I ended up on the phone ( mostly on hold ) for about XXXX mins. He proceeded to tell me there was nothing he could do for me until the charge has posted to my account. Then told me that any overdraft fees I would incur I would have to pay them. 

So at XXXX on XXXX I went to my local branch to see what I could get done there. 
The lady that helped me there was not able to help so she called someone who trasfered her to the customer care line. Finally got someone then and they looked into my account and looked at all my information and then told me that he could not do anything for me, not even reverse the charge because the payment had already posted to my account. He then asked me if I was about to put the XXXX back into my account out of my own money so that i would not be in the negative. I told him no because i had just gotten paid this morning and i only got paid XXXX and they took out XXXX. 


This is also causing me issues to pay my bills & may cause my {$400.00} car payment that i paid this morning to bounce. 


He then told me there was nothing else he could do to help 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 2015-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2015 I applied for mortgage refinancing to Citizens Bank. I sent all information and I disclosed everything in writing. During this time I got a better offer from another mortgage company, but I was told by the loan officer XXXX XXXX their policy is to match all offers, to get the business. The process was very slow, and we provided all the required information with no delay. Loan officer assured us that we are all set with the application and we need to pay the appraisal fee in the amount of {$470.00}. The appraisal report came after one week, but with wrong information ( only half of the house was appraised XXXX sq.ft instead of XXXX sq.ft ). Right away we contacted XXXX XXXX, our loan officer, and again we were assured to keep going with the process and correct this after we will obtain the refinancing ( in his opinion to correct the appraisal report will slow down the approval process ) .After couple weeks, the application was denied and my fee of {$470.00} never returned to me. We were trying to contact XXXX XXXX by phone or email and he never responded to us. In this situation we manage to reach up to the manager of that department - XXXX XXXX. He understood our situation and he assured verbally and by email that we are entitled to get our many back ( see attachment ). Couple times we were told that we neglect to check our credit card, because the money are returned already. Also we had a XXXX way call with XXXX, us, and our credit card company representative. After 4 months XXXX XXXX, XXXX, XXXX, XXXX ) of communication with XXXX XXXX we did not get our money back and now, like the loan officer he stopped to respond to our emails or phone calls. 
At this point we feel like we need help from your bureau to get our many back. 
Regards, XXXX XXXX XXXX home

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed for Chapter XXXX bankruptcy in XXXX XXXX, but I indicated to my lawyer and my car loan company that I intended on continuing to pay on my XXXX XXXX XXXX car loan through Hyundai Motor XXXX. However, once my bankruptcy was filed Hyundai Motor XXXX made it impossible to pay my auto payments online or over the phone. The first payment attempt I realized that they had locked my options on my online access for my loan, so I could not pay on my loan. It listed a XXXX number to call so I attempted to call it to make the payments, but the number would ask for my account # then ask if I had a direct extension number or wait on the line to be connected to representative. However, after it transferred me to another extension it would immediately disconnect the call. I tried numerous different Hyundai Motor Finance numbers, but it would always transfer me to this number if I put in my account #. Finally, I tried a different number without disclosing my account number and I was connected to a representative. I was able to pay my XXXX monthly payment, but the representative I was transferred to indicated that I would not have online ability to pay on my account until I signed an reaffirmation agreement for the loan. The representative indicated that XXXX had been sent to my attorney, and I needed to sign it before they would resume normal payment processing with me. Additionally, she said that this was required by law due to the court stay for the bankruptcy proceedings? Since that time I have been unable to get a representative on the phone and the reaffirmation agreement was never sent to my attorney as they indicated that it would. My attorney has indicated that he has never received any reaffirmation agreement from XXXX, and he disputes that the stay would have required XXXX to lock me out of my online account. The stay ended a few days ago and now I do have access to my online account again, but the payments required and late fees have stacked up making it very difficult to catch the loan account up to date. I believe Hyundai Motor Finances actions were both unethical and dishonest, and quite possibly illegal. I only wanted to maintain my loan with them but I believe they are trying to push me into a repossession situation.

Company response to consumer: Closed
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: LA
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:
Right now I am bothered! This is my last and final attempt to file a complain to the bureaus. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX credit bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Premium Credit Bureau
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:
XXXX XXXX is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My problem began around XXXX when I was looking to purchase a XXXX XXXX XXXX online. I saw one on XXXX. I saw the option of using Bill Me Later to pay. I have used it before always paying on time. I did n't owe them any money. With Bill Me Later I would have the option of delaying payment for up to XXXX months. Around XXXX to early XXXX I decided that I would just pay it off. When I went to the Bill Me Later site it said that it was now PayPal Credit. When I tried to log in I saw my daughters name. 
I thought that somehow they merged our accounts together. I asked my daughter to get in touch with them so that I could pay the bill. Under Bill Me Later I would have untilXXXX to pay. When my daughter finally called PayPal Credit they said that my Social Security number was on her account so I would have to call. 
I called and they said that I owed for the XXXX XXXX plus approx. {$150.00} in late fees. I never received any notice until now. I am still totally confused and not sure what happened. 
I tried to work it out with them but they are not hearing it. My daughters account comes up when I try to log in to pay. 

Fact 1. I tried to pay it off early but Bill Me Later changed to PayPal Credit. When I tried to log in my daughters name came up. 
Fact 2. When my daughter called they said that her account has my SSN so I would have to call. 
Fact 3. PayPal Credit refuses to work with me and just wants {$120.00} in late fees. 
Fact 4. I have a perfect record with Bill Me Later. I did n't owe anything when I purchased the XXXX XXXX XXXX. 

Please help resolve this matter. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2021-01-26
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company keep calling me and harrasing me. I submitted a previous complaint and they said they were gon na cease and desist all communications with me but they are still harrasing me. STOP HARRASING PEOPLE THAT DONT OWE YOUR COMANY ANYTHING. YOU ARE A THIRD PARTY TRYING TO COLLECT A DEBT THAT IT WAS ALREADY FILED AS A BAD DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Too many fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective XXXX no response for XXXX days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with XXXX XXXX Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation