BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: BARCLAYS BANK DELAWARE
State: HI
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:
On XX/XX/XXXX, I opened a XXXX XXXX Credit card. Before officially joining I called the Barclay credit card company to go over the details of the credit card. I talked to XXXX and she stated that after 1 year on my anniversary date of opening the card I would be assessed an annual fee of {$99.00} XXXX that would be at the end of XX/XX/XXXX and done automatically XXXX. 
On my first statement in XX/XX/XXXX I was already assessed a {$99.00} annual fee instead of on my anniversary date of XX/XX/XXXX. 
On XX/XX/XXXX, I called Barclay and talked to XXXX regarding my annual fee. She opened case no. XXXX. She said to call back in 10 days to see if the annual fee was waived since they told me initially it wasn't due until the following year. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said my case was still pending and someone would contact me. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said I have to pay the annual fee and they will not waive it. I told her when I first opened my card they said the annual fee would not be due until one year later. 
I received a letter from Barclays stating they were unable to assist me with my rewards issue. 
I don't see anywhere on my application paperwork that I was assessed an annual fee as soon as I opened my credit card. When I called to inquire I was told it wasn't due until the following year. They should honor that initial call.

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 2023-07-05
Company: Early Warning Services, LLC
State: IL
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:
I receive my Early Warning Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to Early Warning about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, TAB/SUNBIT # XXXX To Whom it XXXX Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
NOTICE OF LAW SUIT your company has been notified of unlawful credit reporting failure to remove all negative accounts will result in a {$100000.00} Law suit. 
LATE WARNING!!! 

Affidavit of immediate credit correction The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act The attached statement shows and concludes that all 3 credit bureau 's Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all 3 credit companies inconjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notify all Noted creditors To cease reporting and has opted out of credit reporting For the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting on the consumer credit report Failure to do so will lead to lawsuit and will be used as evidence in court.

This is a official notice to ceased Credit reporting On the attached and mentioned accounts This is a official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at.

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notify to continue too report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 
remove all late payment.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like you to remove all these inaccurate accounts some credit bureaus have entered on my credit report. I never authorized them nor anybody to add these incorrect and misleading items on my credit report. I kept on contacting their department since the month of XXXX  and they never even bother to give me the resolution I needed. I kept disputing these accounts ( see attach letter file ) and still I have never received any progress with my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Home equity loan with TDBank. Original complaint with cupboard case XXXX. TD bank admitted their error in not telling us the interest rate. I was prequalified for Prime minus 1.01 %. That is not what I got. Felt like bait and switch tactic used by TDBank. They promised to lower my existing rate by .50 % on XX/XX/2018. I have this in writing from XXXX XXXX, advocate & customer experience advocate. I see this was adjusted once. It should be for the life of the loan. XXXX is unresponsive as well as was XXXX XXXX and also their manager XXXX XXXX. They will NOT discuss this over the phone. Emails are unclear. Others go unanswered. I tried to file a complaint with the Federal Reserve only to find TDBank is not in their jurisdiction. Where can I go from here? They are a XXXX XXXX firm. Can I appeal to an agency in XXXX? Can someone give me the name of the CEO or the executive in charge of consumer satisfaction? I want appeal further. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: DISCOVER BANK
State: NJ
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 have a loan with XXXX  XXXX, XXXX, and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian abused consumer reports by utilizing information from greater than 10 years ago. Failed to update hard inquiries on file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  abused by experian XXXX XXXX and XXXX failed to provide relief monetarily & acted negligently by clearly failing to respond to previous investigations for 12 months

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 2022-12-29
Company: American First Finance, Inc.
State: MA
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:
On XX/XX/2021 American First Finance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently found out that my auto contract with XXXX XXXX and Capital One was fraud and exercised my rights to rescind signature under 15 U.S. Code 1635 due to down payment and warranty was added on to finance contract when no other instruments are supposed to be added in financing charges along with insurance premiums which was not disclosed as well. This is violation of consumer law 15 U.S.Code 1605 ( c ) .Finance company is reporting to Credit Bureau when bill of sale was made with dealer XXXX XXXX which is a violation of consumer law under permissible purposes. 15 U.S. Code 1681. Both dealer and finance company has been notified via certified mail as of XX/XX/2022. Also I was under high pressure sales tactics in which they allowed me to leave with vehicle a free signing contract then called me stating I needed more information to be approved after I already was done with paperwork. Also stated I needed to make an additional deposit of another {$1000.00} after initially making XXXX dollar deposit. This was direct fraud as well. Contract says I paid {$2000.00} and I paid {$1000.00}. Car lot also didnt own the vehicle at time of purchase as well which was also found out to be fraud. Also I was not informed of my right to rescind. I Was charged late fees and it was reported on my consumer report which is also a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wrote a check on XX/XX/2023 Pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' for {$480.00}. Put in Blue Box in front of local post office. The check was stolen by unknown person and cashed for {$480.00} on XX/XX/2023. They did not alter the front of the check. However TD bank and XXXX together allowed the money to be withdrawn from my account. The scribbled initials on the back of the check are nowhere near looking like the pay to order this check is addressed to. I went to TD bank on XX/XX/2023 and filled out Affidavit of Forgery. Today is XX/XX/2023 I haven't received any correspondence from the back at all ( no mail, email or phone calls ) regarding this. Nothing to even say they are looking into it. I feel that both TD Bank and XXXX  are at fault for taking my money and giving it to a random person who didn't even bother altering the front of the check. To this day I haven't gotten my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-09-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I originally applied for a new Chase Credit Card online. Upon logging into my existing Chase account, I saw the same credit card with a higher promotion offer of {$200.00} back after spending {$500.00}, instead of the {$150.00} I saw on my application. I called and spoke to a customer service rep who assured I could have this changed and to call back once I spent {$500.00} on my card, they made a note on my account to have my reward increased to {$200.00} back. I asked if it was better to change my application so I could ensure I would get this reward, but they said I would be fine. After spending the money a Chase rep told me they were unable to honor this offer. I escalated to a supervisor ( the supervisor confirmed that there was a note on my account for the reward to be {$200.00} ) and also made a complaint on their website, however they refuse to honor the offer that was given to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020 I purchased 15 twin mattress for a business venture the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX XXXX XXXX reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. XXXX XXXX should be investigated for predatory behavior and reporting erroneous information.

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 2022-12-30
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 to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

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 2019-09-24
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation