BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I've been working on my credit really hard this year because I started a new business additional to my already employment the problem is all of the the bureaus that monitors the credit all three of them are reporting really low scores when it shouldn't be that low they're sending me false offers of credit cards that I could receive and which one they know I was never eligible to receive those credit cards so it's just more increased on my report that didn't even make sense they're doing almost the same thing that XXXX XXXX was doing they're lying to the consumers tell us that we are eligible will pre-approved when we're not and in reflection of that it is making my score remain very low when it should be way higher than what it is and there and they're reporting the wrong reports the other two is for is XXXX and XXXX or reporting reports from over a year ago this really hurting my score so could you please check into this and straighten out these issues I have and make them take out all of those inquiries that they have me do by telling me that I was approved for things that I wasn't it's really just trust to the consumer all around the board and it sets us up to fail in life

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 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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 have sent letters to Equifax on multiple occassions about an item on my report that is not right. I requested they investigate, send me a detailed description of how they verified it ( I want names, dates, and titles of people they talked to at these companies for my lawsuit ) and Equifax sent me half XXXX responses saying it was verified. THAT'S NOT WHAT I ASKED FOR. At this point I'm dealing with the companies legally and considering adding Equifax to the party for continuing to ruin my reputation by reporting these accounts. Both of the companies were sent a cease and desist back in XXXX and have failed to give me what I asked for which is why I filed suit. I didn't forget about Equifax though because looking at my reports I see they're still in cohoots with these crooks also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Sentry Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a major amounts of call and it would be a voice system and I would leave messages and never get a call back. The first time I received a collection notice was on XX/XX/XXXX for collection on an account that was discharged in my bankruptcy on XX/XX/XXXX. The debt was held by XXXX/ XXXX XXXX  XXXX . taken out on XX/XX/XXXX in amount of {$5200.00}. 
However this debt was included in my bankruptcy that has already been discharged as stated above. 

After I received the collection I called and spoke to a man named XXXX at ext. XXXX at XXXX XXXX. XXXX advised me that he was collecting on above account that was not paid. But he couldnt tell me the date the loan was taken for or the company who serviced loan, so he would forward info to my house. He proceeded to get nasty after I advised him that this debt was included in my bankruptcy and was discharged. I told mark per my lawyer XXXX XXXX at XXXX that any collection attempts should be forwarded to him. XXXX proceeded to tell me that once the bankruptcy was discharged they had a right to collect on debt. 

I then proceeded to call both XXXX/XXXX XXXX XXXX and was told that they didnt have any information on me in system. I was forwarded just Incase by XXXX id # XXXX from XXXX XXXX to their own collections department. Where I spoke to XXXX and she advised me that they didnt have such debt in their system either. 

So on XXXX at XXXX XXXX I put in a claim against Sentry Credit , Inc. to the XXXX XXXX XXXX claim # XXXX. I recently received a response on XX/XX/XXXX from Sentry Credit inc. Stating that our client received an OCC complaint from the consumer and we are waiting for them to respond before we respond to her rejection. May please get an extension on the due date of our response? 

I called OCC on XX/XX/XXXX at XXXX XXXX and spoke to XXXX id # XXXX said that I nor anyone on my behalf filled a complaint with the OCC. She checked under my maiden, married name and zip code for last 5 places I lived. XXXX was the one to advices me to file a complaint with your bureau because you cover all collection agencies. So I called your agency and spoke to XXXX id # XXXX who advised me after hearing my story to file a complaint online so I can include supporting documents. 

Attached you will find the documents that provide proof that XXXX/XXXX XXXX  XXXX. was included in my bankruptcy and was discharged with bankruptcy. I also attached a copy of my credit report showing that the status of the above debt was discharged and has a XXXX   balance.

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 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Unfortunately I have experienced an issue with a Spirit MasterCard issued by Bank of America ( BOA ). I have documented proof that I believe shows that BOA failed in their due process in adjudicating a dispute on a purchase with a merchant. Specifically BOA refused to act in accordance with the MasterCard chargeback guide requirements around second presentment. The acquirer ( the merchants ) bank responded with a ) a falsehood, b ) without any documentary evidence even though required by aforementioned MasterCard guide, c ) and a statement that had no bearing on the reason for the dispute in contravention of said MasterCard guide. BOA, instead of according my fair and due process as well as explanations for their conduct ( which is not limited to the aforementioned ), has apparently out of XXXX XXXX retaliation, adjudicated the dispute against me with great haste and without any documentation and/or sufficient explanation. MasterCard unfortunately has responded that they are unwilling/unable to assist in this matter. However, When MasterCard becomes aware of apparent violation of its requirements and other misconduct by an issuer I believe it of paramount importance that this is investigated and escalated to protect both MasterCard 's interests ( the brand ) as well as its cardholder 's interests. I believe I am not afforded the responsibility of due care by MasterCard. I am a MasterCard customer.

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 2023-08-02
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from phone # XXXX, they stated a name ( someone else ) and asked if I was that person. I told them " wrong number ''. 

Since I registered on the National Do not call list, I called back the XXXX which began with a prompt " This call is being recorded '' and obtained their mailing address. I informed the rep that my number is on the National Do not call list and would be reporting them. I looked up the information they provided and determined it's a debt collection Asset care LLC XXXX XXXX XXXX XXXX tx XXXX dept XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The insurance premium on my XXXX XXXX XXXX XXXX policy on a second home is going up 15 % based upon a score of XXXX ( out of XXXX ) provided by LexisNexis Risk Solutions XXXX Inc., which is both arbitrary and capricious under the surrounding circumstances. E.g., my XXXX   credit score based on the same or similar information used by LexisNexis is a XXXX ( out of XXXX ), or 97.4 % of the highest available score. By comparison, my insurance score should be about XXXX, not XXXX. Further, each of the four primary factors cited in the XXXX XX/XX/2020 letter from XXXX XXXX as the reason for the " insurance score '' that resulted in the adverse action letter ( and a bill for a 15 % higher annual premium ) is arbitrary and unreasonable both on its face and under my individual or joint financial circumstances, particularly the 2 reasons cited that relate to LexisNexis ' own apparent ignorance and/or lack of information ( Codes 0909 and 0911 relating to " INSUFFICIENT INFORMATION ON DEPARTMENT STORE ACCOUNTS '' [ and ] " PERSONAL FINANCE ACCOUNTS '' ). I tried to directly contact LexisNexis at the toll free phone number provided by XXXX XXXX on Monday XXXX XX/XX/2020 to dispute the inaccurate information and " insufficient information '' bases of the score, but was only able to request a report ( which I had already requested on-line ). My repeated attempts to reach an agent or representative were not recognized by the AI system available via the toll free number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE 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 information incorrect

Complaint:
Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I mailed all paperwotk and payoff amount on XX/XX/XXXX via certified mail Delivery receipt on XX/XX/XXXX I called on XX/XX/XXXX to inquire of status and was told odometer disclosure was invalid due to handwritten correction. I resent via docusign and received email confirmation of receipt. 

On XX/XX/XXXX the check that was mailed o XX/XX/XXXX was cashed. 

On XX/XX/XXXX i again called to inquire status and was told the odometer disclosure was never received. I once again submitted via docusign and received email confirmation of its receipt. 

On XX/XX/XXXX I called again for a status update and was told odometer statement was received XX/XX/XXXX on still in process. He placed a rush request and estimated i would receive the week of XX/XX/XXXX. 

On XX/XX/XXXX I called to check status and was told it was still in process and would have on XX/XX/XXXX. 

On XX/XX/XXXX i called for status and was initially told they were still awaiting the odometer disclosure. I read the timeline at which point it was acknowledged that all paperwork was in order. I am still on phone with supervisor to determine why i have not received my title and sale documents. I am unable to register my car for nearly three months after payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Credit Karma, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This is regarding CeditKarma.com Over a week ago I received an email notice that an account was created and this was sent to my email address. I did not create this account I contacted support immediately via email, as they have no phone number, and did not hear back. I have tried several times and had no response. I have even contacted via XXXX XXXX. 

I got 2 separate emails today stating that reports had been run and could affect my score. I have done everything I can to resolve this but Credit Karma is not even attempting to make an effort. 

My identity and credit are at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, Inc.
State: OH
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:
Last year I purchased an item through a Jared Store Credit Card, provided by Comenity Bank. The item was purchased on a plan stating no interest if paid in full within 12 months. The end date of the plan was XX/XX/XXXX. I had automatic payments of {$300.00} applied to the account on the XXXX of every month for the course of the year. My XXXX statement ( attached ) indicated that I had until XX/XX/XXXX to pay the remaining {$1400.00} on the account or the accrued interest would be applied. To avoid this I issued a payment of {$1500.00} on XX/XX/XXXX, thinking that this would satisfy the terms. On XX/XX/XXXX I was charged {$1100.00} in accrued interest for the promotional plan. 

When I called the bank to resolve the issue I was told a variety of things ( ex. I can't be helped because it was too far from the end of the promotional plan, I had to call customer service in order to pay that balance off, that the {$1500.00} applied to the minimum due first so the terms were not met ). The XXXX statement simply indicated that I needed to pay {$1500.00} by XX/XX/XXXX, which I did. I had no indication that the terms were not met until XX/XX/XXXX when I logged into the account and saw the interest charge applied. 

Please let me know if you need any additional information from me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX 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 XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2018-09-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 I was alerted to fraud in connection to what turned out to be an authorized clone of my American Express Serve Card, resulting in two unauthorized and fraudulent charges in the amounts of {$100.00} at XXXX XXXX  Store XXXX on XXXX XXXX XXXX, XXXX XXXX and the other, {$90.00} at XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX and yet another in XXXX for a parking meter, in the amount of XXXX. 
I immediately contacted Amex Serve who told me they could only complete the dispute after the charges were out of pending. They also cancelled my subject card upon my request. 

On XX/XX/2018, the dispute department processed the fraudulent charges upon those charges released from pending status. 

On or about XX/XX/2018 I received, completed and submitted a Declaration of Fraud via email. 

Since then I have spent several hours calling and getting nothing but a run around from the dispute department located in some 3rd world country who only repeats keep an eye out for an email, the investigation is ongoing and we can not issue a credit. 'We have 45 days. 
They also have told me they do not have my money, that XXXX XXXX and XXXX XXXX do, get it from them. 

They have lied that they are actively investigating, evidenced by my conversation today from both XXXX XXXX and XXXX XXXX, that the Amex Serve dispute department has NOT submitted any dispute documents at all since the dispute was noted as received.

It is obvious that I am now being defrauded yet again, by American Express Serve Service as issued and run by American Express Travel Related Services Company , Inc . 

Today, XX/XX/18, I faxed letters to XXXX XXXX VP at American ExpressServe serviced and issued by American Express Travel Co Inc. and to the General  Counsel and CEO of Rite Aid, and faxed letter to XXXX XXXX Corporate. 

I contacted the XXXX precinct for direction on filing a report, and was advised to do this in NJ, where I reside. I will be filing that report in the township where it is believed the fraudulent clone took place. 

it appears that American Express SErve has no intention of doing anything to facilitate the return of my approximately {$200.00}. 

Also, the transaction dates showing on Amex Serve are false, all three fraudulent transactions occurred on XX/XX/2018. 



XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Ok I pay bank of America XXXX a month on auto pay so i never forget to pay it. its been XXXX a month I can't remember how long, but they raised the fee XXXX dollars a month. they said they sent me emails, I only received XXXX email and that said i had to pay XXXX because I haven't made a payment in 2 months making the email i opened 3 months. So, I called them up and spoke to a woman i think her name was XXXX. She was rude and told me when make the payment she will go over the acct, so I ask her for a supervisor which a guy named XXXX came on the phone. i ask him to help me and look at my acct I have never been late and if you would of called me i would of had no problem paying the extra XXXX a month. he would not help me and i have never seen a credit card company not wanting to get to the bottom of a problem. I was AL reading having problems with an old checking account that was never getting resolved. All I wanted was to know how I owed XXXX for 3 months when I was paying XXXX a month. and i wanted the later charges removed since auto pay paid it on time. I'm not receiving any help. CFPB sent my banking problem to XXXX and i was telling her about the bank of America credit card. how unprofessionally and nasty they were. she said she would look into it and get back to me. So, I still haven't heard back from her so i am filing my complaint. I received a letter in the mail today XX/XX/2023. It has my name and my husband 's name and address on it and bank of America at the top, the date, my last XXXX of my credit cards. no name who sent it, who it's from. I don't know if someone hacked my acct or my name, I will send this to you. i am taking it to a lawyer because I don't know who sent this. I'm scared bank of America gave out my info. On a letter it is supposed to have who its from and contact information. i don't know who sent this. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022, I submitted several complaints : XXXX with XXXX ; XXXX with TransUnion and XXXX with XXXX. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 6801.

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