BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided a copy of my ID to prove my identity.

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 2023-09-27
Company: EQUIFAX, INC.
State: NJ
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Om or about XX/XX/XXXX I purchased a vehicle jointly with my son from XXXX. XXXX and in XXXX we were contacted by XXXX XXXX in regards to us making a payment to them instead of XXXX XXXX. I asked them to provide information on the obtaining of the contract from XXXX XXXX  as we were not aware at the time that XXXX XXXX  had been shut down by the federal agency. I went to the XXXX XXXX  location in XXXX NC and found they were out of business and I stop making payments to XXXX as of XX/XX/XXXX. XXXX XXXX repossessed the vehicle in XX/XX/XXXX but begin to report to the credit burearu that my payments were current and they had possession of the vehicle. XXXX XXXX has since reported to the credit burearu that I missed XXXX payments in order to destroy my credit. All payments that I made to XXXX XXXX  had been removed which also negatively impacted my credit score because it appeared I did not have an auto loan nor had I ever had one. Now XXXX decides to report the vehicle as being in good standing as of XX/XX/XXXX but the car was repossessed in XX/XX/XXXX. XXXX XXXX continues to call demanding money for the car when they informed me that they were selling the car at a private sell on XXXX XXXX. They send me emails and continuously call my phone when I no longer have the vehicle and do not internd to honor an unlawful contract which was deemed unlawful for various reasons by the federal agency. We spent all our savings to purchase this car and now we have no car and due to the false reporting of XXXX we cant get another car if we wanted to.

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 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid my credit card in full as per the due date on my credit card app. The total amount was {$870.00} ( see highlighted in the attachment ) I assumed it had been paid on time. However, on XX/XX/XXXX the credit card company charged me a late fee of {$15.00} and an interest charge of {$14.00} on XX/XX/XXXX. I promptly called the credit card company and asked them why they were adding these charges to my account and they stated it was because I paid an hour later than the due time. Note that I paid my balance in full on XX/XX/XXXX which, according to a universal definition of time is XXXX XXXX  on XX/XX/XXXX. However, the credit card company states that it should be by XXXX XXXX however this is not listed on the due date in the payment app and therefore it is misleading. I was having internet connectivity issues which is why I paid on XX/XX/XXXX around XXXX XXXX which I assumed was on time because it was not midnight. I have been with the same credit card company since 2011 and always paid on time. 

I explained the situation to the customer service agent at capital one, and she understood and gave me credit for both the late fee and the finance charge on XX/XX/XXXX ( see highlights in the attachment ). 

The issue was resolved and over with and I expected no further action. 

However, on XX/XX/XXXX capital one placed an interest charge of {$10.00} on my account even though I paid my balance in full on XX/XX/XXXX. When I called and asked why they stated that it was because of the late payment in XXXX. This makes no sense because the XXXX issue had been resolved and done with. 

Capital one is trying to place unnecessary charges on my account. I tried to speak with the supervisor at capital one but they are refusing to take off the charges. I have been a long-standing and sincere cardholder at the capital one who always pays in full on time. I would like this resolved by taking off the false charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Trying to remove a fraud freeze from my credit report so I maybe approve for an apartment and just got decline because Experian hasn't removed my fraud freeze. XXXX I request them by mail and send a valid photo ID for them to remove it. It's XXXX and it's still on there.

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 2023-07-04
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
At six minutes past XXXX on a SATURDAY morning I was awakened from a sound sleep by my phone ringing. I was so soundly asleep that I did not wake up in time to answer, but because I was severely annoyed that whoever this was has called and woken me up that I called the number back a few moments later, they identified themselves as " Portfolio Recovery Associates ''. This is not the first time that they have called me before XXXX so I advised the person who answered the phone AGAIN that I live in California and that calling me before XXXX violates the federal Fair Debt Collection Act as well as California state law. The woman was unresponsive an unapologetic, so I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-07-17
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Equifax is refusing to comply. Equifax claims they can not find my credit report. Equifax claims that I never sent them ID documents. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Choice Money Transfer, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had to transfer money for an emergency situation. So, I seared in Web and found ''Choice Money Transfer, a member of Small World Financial Services Group ''. 
I created my profile and did my first transaction for {$1000.00} on XX/XX/2021, without any issues and they did not ask me for any documents. On XX/XX/2021 for second transaction, this transaction got me problems, I transferred {$1200.00} and they did not ask me for any documents till they debit money from my bank account. Later on, they started sending me emails for proofs on income and asked me to fill compliance form. The form is mentioned that 'It showed be filled for transactions over {$2500.00} ', despite that, I filled all my details and I shared all my documents ( I sent my personal confidential information 's ). After that, they took a day to process, but still they are not ready to validate my transaction. 
From the time I started the transaction, I called their customer service for more than 10 times and sent over 8 emails. I went into serious XXXX and confused state. 
Till then, they were not ready to complete my transaction, finally, they cancelled my transaction. 
They debited money from my bank the next minute I submitted my transaction. But, the refund process takes 3-5 business days. I can not accept this, If they are not ready to process the transaction, they should refund immediately. How will this is fair solution, During this 5 days time, I have to undergo lots of pressure and XXXX and my emergency situation had worsen. I am worried that, they can misuse my personal details in one or other way. This organization rules are not open and transparent to customers. Customer care executives are not ready to transfer customer calls to next higher level officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a checking account based on a promotional offer that was advertised online. I met the necessary requirements to receive the advertised bonus, however, US Bank stated it was a direct marketing campaign and was only valid for targeted individuals. I believe this was intentionally deceptive advertising as I think any logical consumers would consider themselves to be targeted if it was advertised to them online. 

Below is the excerpt they stated disqualified me from receiving the bonus despite meeting the requirements : " This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Promotion code may only be used once. Bonus will not be paid if promotion code is retrieved by unintended recipient or if promotion code is retrieved from a deals website. '' I requested a review of my account which was decided on XX/XX/2023 when they stated I was not an intenteded recepient of the offer.

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 2023-05-24
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: Their investigation did not fix an error on your report

Complaint:
erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NV
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$930.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: WELLS FARGO & COMPANY
State: UT
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:
I have submitted a complaint with you about the incorrect reporting through XXXX and Wells Fargo. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. Wells Fargo is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.

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 2023-07-18
Company: EQUIFAX, INC.
State: UT
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:
Equifax and XXXX XXXX continue to ignore my requests to correct the dates which are incorrect. I've sent the info to XXXX XXXX directly several times & to the CFPB for both Equifax and XXXX XXXX. Yet the dates reported continue to be dispute rather than paid and closed dates. Equifax has lowered my score with their inaccurate reporting. XXXX XXXX could care less. They don't want to fix it and I've tried several times going to them, then to Equifax. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and Equifax continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet Equifax and XXXX XXXX keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against XXXX XXXX with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: HYUNDAI CAPITAL AMERICA
State: MS
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:
Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I visited a Bank of the West BMO ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA on Saturday XX/XX/2023. I entered my Debit Card ( from a different bank ), and the ATM proceeded to reset. It reset 3 times without releasing my personal debit Card. I called the XXXX BMO number that was listed on the ATM for assistance. I was told " BMO can not help you ''. I, therefore contacted the bank via their direct number for the branch. They did not have a voicemail to accept after hours questions or concerns. I checked the branch location site for an email for general questions. There was none. There were no listed email addresses for any of the employees. I left a complaint on the customer service survey and asked for the branch to give me a call. I tried to call again today on Monday and have not received a response ( XXXX ). I waited in 100 degree heat for the ATM to reset and release my card. It shut down after the 3rd reset and did not release the card. I was able to contact my bank and they cancelled the card and will mail a new card, but I am without the ability to get cash in the interim period due to the failure of Bank of the West and their transition to BMO. If the ATM is not able to process the transaction, it should release the card immediately. I would like some confirmation that my card has been received and has been destroyed properly or returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Jp Morgan charged account after several disputes for missing items from XXXX XXXX thru XXXX XXXX. Attached to account. Chase blocked XXXX from taking fund XX/XX/2022 but overdraft account after submitting proof of complaint in XX/XX/2022 upon last payment. XXXX never replaced or refunded XXXX for missing items or me. Jp Morgan has a bad problem with ghost transaction all the way down to the smallest dollar amount. JP MORGAN like to hold fund and charge accounts according to deposits being made.Holding large funds causing withdrawal fees it's sickening!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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