BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Last week I received an email from Capital One. It said I could check to see if I was pre-approved for a credit card via a " soft inquiry '' that would not affect my credit score or credit report. After applying, I saw that I was pre-approved for a Capital One credit card. It explained that no " hard inquiry '' would be placed upon my credit report. 

Immediately, I received another email from Capital One stating, " We will be in touch very shortly ''. After waiting two days by my phone for a call from Capital One, I called them ( XXXX ) to find out what was happening. They explained that a " hard inquiry '' was put on ALL THREE CREDIT BUREAUS and I was refused a card because they could not ( or didn't even try to ) reach me by phone. 

After talking to a supervisor about this at Capital One, she responded with, " Go to XXXX! '' and hung up on me. This is beyond unprofessional. I spent 84 minutes on the phone trying to resolve this and they hang upon me. I did not call back. 

This is " bad faith '' business practice by Capital One. They have damaged my credit rating with a hard inquiry for the next two years. My credit score has dropped by more than 10 points due to this dishonest, lazy, and incompetent act by Capital One. 

I have a fraud alert on my credit report due to illegal activities last year and my phone number is attached to the alert. They could have easily called and verified my identity but instead mishandled my data, and now my credit report 's status has gone from excellent to good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Some woman bought mattresses ( or something else ) from XXXX XXXX and gave my name and XXXX address as the buyer. I am not the buyer, the signature on the bill is not mine, I was not in the US at the time ( I live most of the year in XXXX ), the credit cards she gave are not mine, the address to which it was shipped is unknown to me. This is patently fraud and I do n't know how a reputable business could have accepted the purchase. I found out about this when I arrived at my XXXX address on XXXX XXXX, 2015. I had n't been back since XXXX 2015. I have notified Experian and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is fraudulent claiming to represent an alleged mortgagee and investor that has held a foreclosure by advertisement sale on my property. I have submitted qualified written request to XXXX and have submitted complaints against XXXX and they continue to move forward without response or remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I do not understand the balance of my student loan, the amount is more than what was told to me and I an not seeing a decrease with my payments. Also I have been making payments, but I keeping getting late payments reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payments are paid to ally bank and we have bank statements showing payments were made, then refunded back 10 to 12 days later, and then charged as late with late fees. This has happened twice now!

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 2021-09-25
Company: EQUIFAX, INC.
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:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: U.S. Auto Sales Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I bought a vehicle in XXXX? The vehicle was a XXXX XXXX XXXX. I purchase the vehicle from U S Auto Finance. I purchased the vehicle with gap insurance. The vehicle started to have multiple problems after thirty days? One of the major problems was the head gasket?? I called U S Auto finance and explained the problems! U S Auto gave me the run around, transferring me to different numbers who couldnt fix the issue? Not knowing what to do? I had the car towed to a nearby mechanic shop? Where I was still making bi weekly payments on the vehicle! Still calling U S Auto finance! With no response from U S Auto finance. I was put in medical leave, due to high risk XXXX! Once again I called U S Auto finance and told them they could pick up the car! I gave them the address to the mechanic? They picked the car up about two weeks later? I never received a Bill of sale a letter about payments or how much was owed on the vehicle? Theres no proof of any kind showing that this amount is still due!! I dont know if the car was sold? And if the car was sold how much was the car sold for?? Because its showing on my credit the same amount financed!! How is this possible when I was making payments and my gap coverage should have cover the balance. I believe this company is fraudulent. And they need to prove this car wasnt sold and still charging me the full total of this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: General Motors Financial Company, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I opened a loan with another person through GM Financial. I was placed on the loan as co-borrower, however, never placed on the title of the vehicle, I was only placed on the loan documents. I am unsure why this occurred. When the primary person did not pay the loan, I paid the payments. I went to the DMV to attempt to take over the vehicle. By law in Ohio, if the other person does not sign for this, you can not be added to the title. The primary person obviously refused to sign the documentation. I have since taken this person to court to mitigate the situation. There are XXXX judgment liens, XXXX for the total amount of the contributory share, and a year later when the primary still refused to pay, the other to foreclose on thier home for the amount I sued for to pay off the loan. The primary person filed bankruptcy XX/XX/XXXX. 

I tried again to get GM Financial to give the vehicle to me via other means such as forcefully placing me on the title through the court. GM financial has refused repeatedly to help. In XXXX XXXX, GM Financial finally repossessed the truck, there was not a payment due on the vehicle until XXXX XXXX. 

I have tried to add the vehicle to my insurance, but was told it is illegal since the vehicle is not titled to me. It would be considered insurance fraud to which I could be tried and persecuted. 

I am held as a hostage, I continue to make these loan payments, I am unable to obtain ownership of the vehicle, as well as unable to insure it because I was never placed on the title or registration. 

GM Financial currently has possession of the truck and I continue to make payments on time monthly. They refuse to work with me or my lawyers. I have exhausted a great amount of resources attempting at a resolution to this matter. Attorney 's fees included. I am still in the same predicament. Only now, GM Financial has possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
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:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Items are being reported multiple times, even after I have them removed. 
My information is being sold to other debt collectors, who are harassing me for something that has already been paid off.

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 2016-11-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! 
Regards XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: BOK FINANCIAL CORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We wrote a check in 2019 that never cleared our checking account. We contacted the company the check was written to 6 months after we wrote it and they said we did not owe them anything so we stopped accounting for the check. More than two years later our bank, XXXX XXXX XXXX XXXX received the check from the Bank of Oklahoma and paid the check without contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a personal loan through upgrade.com. I authorized my monthly payment to come out of my checking account on XX/XX/XXXX. My monthly payment is XXXX and I made a larger payment in XXXX of XXXX so my monthly payment was XXXX for XXXX. Upgrade took this monthly payment and then took an additional XXXX on the same day. When I called to get my money returned they refused to return my XXXX but the lesser XXXX that I authorized and would not refund the amount that they fraudulently stole from my account. I was told the money would be refunded in 2-4 days on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX when the money was not refunded and was lied to again and told that the funds were released and would be deposited on the XXXX. When I called on the XXXX after no refund is issued I was told the previous representative misspoke and the funds were released on the XXXX. Today is XX/XX/XXXX and now not only have I not gotten my XXXX refunded but my pending debits have overdrafted my accounts. I have tried to call the loan department and sat on hold for 2 hours with no answers. I just want my money back and the XXXX dollars I was charged in overdrafts to be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: Credit Systems International, Inc.
State: TX
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:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Synovus Bank
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear CFPB, I have a Secured Credit line with, First Progress Card XXXX XXXX XXXX XXXX XXXX, TN XXXX First Progress has currently charged me a {$29.00} late fee for a check they arbitrarily cashed after the due date. The check was dated and sent well before the due date, which was held by First Progress after the corresponding due date, resulting in a late fee. 

I contacted my bank XXXX XXXX, and had a Good Will / Good Faith Letter sent to First Progress. I also had a conference call with my bank and First Progress where my bank verified the check 's date was dated and sent before the due date, which they refused to honor. My bank has refunded me the XXXX dollars late fee payment, but I would like to go further with seeking action against First Progress, by not complying to United States Regulations. 

My Bank is... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: AmeriCollect
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: Reporting company used your report improperly

Complaint:
Americollect Inc. Account # XXXX, Account # XXXX I sent Americollect Inc. a dispute about the violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I DID NOT GIVE AMERICOLLECT INC. WRITTEN INSTRUCTIONS TO REPORT TO MY CONSUMER REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.

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 2016-06-11
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection account was added to my crediti report. I sent a certified letter asking for verification. I was sent verification with an amount owed with interest. Later I sent a letter certified mail trying to pay the bill and never was sent a response. Also the amount being reported is not the same on the verification letter.

Company response to consumer: Closed
Consumer complaint received 2021-09-25
Company: Harley Davidson Financial Services Inc
State: SC
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:
While validating an account this company sent me a letter saying that they simply saying they are not required to investigate because they did not receive sufficient information, which is false. I sent a letter with my information. While monitoring my credit report month-to-month I noticed this company did not submit the notice of dispute with XXXX but reported supposed for the month, which I know is a violation according to section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.

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