BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
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:
I do not give permission to Experian to place the inquiry for XXXX on XX/XX/2023 and and asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto financing has been assessing most of my monthly and weekly vehicle payments that I have been making toward the interested rather than the principle. They continue to state that I'm late and behind when during the Covid pandemic 3 different months of extended time which was added to the end of the loan term which gave me more months to pay they are currently adding those 3 months to the current bills as if I'm late when those months were added to extend a longer loan term and after further review into my account I found that Capital one has being applying usury to my account and exceeding in the amount of yearly interest and my state of XXXX requires as well as my contract. 
They continue to threaten me with repossession for a Vehicle payment of which is not late, and I've made numerous attempts to make validation to their error, but I have yet to receive a response but more threats of Possession. I've requested proof but all they say is look at the contract I signed on the interest, but they have yet to provide me with absolute validation to the late payment claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I contacted Fifth Third Bank on XX/XX/XXXX to make payments. The Representative I spoke with imputed my debit card information for the payments. He made the statement " the payments have been successful ''. I then asked him to schedule XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX payments for my debit card automatically so I wouldn't have to worry about it since I travel. He then set up the payments for me for each month on the 16th. I received a call from Fifth Bank on XX/XX/XXXX letting me know I was behind on my payments. I contacted Fifth Bank on XX/XX/XXXX in the am to discuss why my payments were not deducted in XX/XX/XXXX. The representative who I spoke with said it was not taken out, but it was not an NSF item either. I explained to her I contacted Fifth Bank Representative in XX/XX/XXXX to make my payment. She said she did see this documented and she did not know why the payment was not deducted. I asked her if it was because he might have imputed my debit card incorrectly into the system, if so why did he inform me the payment was successful. I explained to her they put a negative rating on my credit report which was incorrect due to the representative incorrectly informed me of the payment I made. She indicated this could be the case since the payment did not indicate an NSF. I asked her to remove the negative rating and she informed me I had to contact Consumer FinanciaXXXX. I have investigated Fifth Third Bank and unfortunately have seen numerous negative comments concerning this business. I am hoping in the future their representatives will correctly complete transactions for their consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: JPMORGAN CHASE & CO.
State: KS
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 applied for a Chase Sapphire Preferred Visa account on or around XXXX with a reference number of Reference Number : XXXX. 

The denial letter I received electronically from JP Morgan Chase Bank advised my XXXX credit file was used to make the denial decision. 

On XXXX I noticed JP Morgan Chase had also inquired on my XXXX credit file. The disclosure that XXXX was utilized in the denial decision was not disclosed in the denial letter I received. JP Morgan Chase also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of XXXX JP Morgan Chase advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back 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 monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: OH
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  Account : XXXX XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX  which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} 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 an account without my written instructions in fair 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
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX, I sent a request to Experian asking them to send me documentation regarding some accounts that were inaccurately reporting on my report. ( See the attached ). I never got a response from them. On XX/XX/XXXX, I sent them a request to follow suit ( See the attached ) and delete the accounts since they never provided me the documentation I requested and they had been removed from another credit bureau. On XX/XX/XXXX, Experian completed my dispute and only verified the accounts. They still have not sent me documentation I requested regarding the account and did not follow suit and delete them.

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 2023-09-02
Company: EQUIFAX, INC.
State: FL
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 am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The XXXX credit bureau have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX  XXXX XXXX Balance : {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Affiliate Asset Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been repeatedly denying my claim for a healthcare bill that is not my responsibility since XXXX. I suffered a XXXX and was taken to the Emergency Department at XXXX XXXX XXXX Hospital in XXXX, XXXX  on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX  XXXX  with XXXX XXXX serving as my healthcare provider. I learned that XXXX has been repeatedly denying my claim for insurance recovery because they have been informed that I have primary insurance coverage with the XXXX XXXX XXXX ( XXXX ). I terminated this plan in XX/XX/XXXX and only used it while I was living in XXXX. Since then, I returned to XXXX  and have had XXXX XXXX as my primary insurance provider since XXXX, XXXX. XXXX initially billed me through a creditor called XXXX XXXX XXXX and I previously filed a CFPB complaint. That creditor responded and notified the CFPB that the debt would be waived given the circumstances. They have now sold the account to XXXX XXXX XXXX XXXX and are billing me through a creditor called XXXX XXXX XXXX XXXX. Here is information about my XXXX XXXX Insurance Coverage : XXXX XXXX Patient Account # : XXXX XXXX XXXX Patient Account # : XXXX Patient ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX  XXXX Effective date of insurance coverage : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX and my report is not accurate. I disputed inaccurate accounts more than 30 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Viking Client Services
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a letter from Viking Billing Services indicating that I was being billed for damages to a car rented from XXXX XXXX. The letter indicates the date of loss was XX/XX/2019. I did not have a rental car on this date. Somehow, they also got my XXXX year old Mother 's phone number ( who lives in a completely different state ) and have been leaving messages for her indicating that they are trying to reach me. 
I called XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative by the name of XXXX who instructed me to disregard the letter from Viking as he could not find anything in my file that indicated that any damages were noted in my record for any vehicles for any rental periods in which I did business with XXXX XXXX XXXX. 
On XX/XX/XXXX, I spoke directly with Viking. I was told that despite the fact that the information on the letter I received was not accurate, I was still accountable for the charges because they believed that the car I rented during the previous week " might have been '' the actual rental period/ date that the alleged damages occurred. Since I was involved in no accident and did not have any damages to any rental car I rented, I asked that further information be sent to me regarding the specifics of the actual date of alleged incident, pictures of the damage, and cost estimates for repairs to the rental vehicle in question. The representative from Viking indicated that he would promptly mail these details to my home address. 
After nearly 4 weeks of hearing nothing from Viking, I sent the attached letter to Viking via certified mail indicating that I considered this matter closed. They responded with an additional letter ( attached ) indicating that they are still awaiting payment. I still have not received any details about the alleged damage to a rental car, the date that the damage was discovered, or any estimates on the cost of the alleged damage. 
Please help. I can't understand how a company like this can harass someone to pay for damages for which 1 ) I was not responsible, 2 ) indicates damages occurred on a day that I didn't even have a rental car, 3 ) the car rental agency itself confirmed there was no record of damage to any vehicle I turned in and 4 ) Viking has been unable to produce an evidence of damage or cost estimates to substantiate their claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express sent a mailer offering to upgrade the XXXX American Express credit card that I have had since XXXX. In XXXX of XXXX, I called American Express and updated the card. A few days later, the new XXXX XXXX card arrived. I have had my payments set up on automatic payments each month. In XXXX they notified me that my payment was not made. I called American Express and made a payment. At no time did they say it was XXXX accounts. They applied both payments to the XXXX card in XXXX. In XXXX I called again because I had another letter. At this time they told me I was in default for the XXXX account. I explained what had happened and paid the gold card payment and a {$1000.00} payment on the XXXX card to get the payments up on the reserve card at their request. A week later they told me that both cards were suspended and sent me a letter saying I had to pay both accounts in full to be reactivated after telling me that the {$1000.00} payment would bring my accounts up to date. 

Today, I spoke to someone who explained everything I am a senior and was not told it was XXXX accounts until XXXX. I was put on a payment plan for XXXX accounts but was told that non-payment on XXXX account impacts all accounts but not payments. As a senior on a fixed income who relies on my good credit standing American Express misled me to open up a second account and has damaged my good credit ratings. I need urgent assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One has an inquiry thats been on there for a year for an auto loan inquiry that is identity theft. I did not approve that. Along with 3 credit card inquiries that I also did not approve From XXXX XXXX bank, XXXX  XXXX XXXX, and Capital One as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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:
Someone used my score or there was a breach. Opened a XXXX XXXX card in my name. Charged close to {$12000.00}. Now my credit score has plummeted!

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 2023-10-16
Company: FC HoldCo LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had Flagship Credit Acceptance since XXXX, I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, I got XXXX  in XX/XX/XXXX, I was XXXX XXXX  and I XXXX on the table XXXX time and I had to have my XXXX XXXX I was XXXX, I was in a XXXXXXXX XXXXXXXX XXXX  but my car note was still being paid, they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed

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 2023-03-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received a check from the XXXX XXXX XXXX department with a letter stating that my escrow account was already paid. The check, made out to XXXX XXXXXXXX XXXX Department from First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX, was returned to me, the homeowner with the letter. I then contacted First National ( my mortgage company ) about double payments. This is when the issues began. When they looked up my account, they could not see double payments. However, because I had the returned check, I gave them the check number and then they could see it. Balances of my escrow of debits and credits were not on and still are not on any of my mortgage statements. I have written 3 letters, spoken with XXXX at XXXX XXXX times, and have been waiting for a letter, or call back with an explanation as to where my escrow money is ( it should have been put back into my account ). This has been an ongoing issue since XX/XX/XXXX when I started making phone calls, sending emails, and writing letters. NOTHING has been done nor has anyone gotten back to me. My statements do not reflect the debit and credit of MY escrow money. I thought that any transactions had to be shown on my statements? I do not know what else to do with this but do know that there was a double payment and I can not see that the money was put back into my account since transactions are not reflected on my statements and no one can seem to tie the check of double payment to my account ON my account but in another system.... What else do I need to do and why are they not getting back to me or showing this information on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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: Old information reappears or never goes away

Complaint:
The situation that I'm having with credit journey, is that im trying to fix my credit by paying my payment 's on time and my monthly score goes up XXXX points one month and the next month my score goes down XXXX or XXXX points from past XXXX to XXXX XXXX XXXX mistakes I've done, these are very old inquiries or mistake I've done that is not who I am today I'm trying to improve. But the judgment of the the past is making it impossible for my credit score to ever recover and staying very low.

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 2023-09-02
Company: EQUIFAX, INC.
State: NC
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation