BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: Experian Information Solutions 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 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 Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/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 explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I currently have a credit card with XXXX and two credit cards with capital one. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was about to make a purchase via XXXX for {$4.00} each for XXXX face cream products. After I read that I would be automatically billed monthly for {$79.00} I IMMEDIATELY closed the window, closed XXXX, and did NOT complete the transaction. Later I see XXXX charges from this company for {$120.00} and {$120.00}. I called PNC and they canceled my debit card, filed a fraud claim, and refunded my money. Then they reversed their decision and paid the criminals, taking the money out of my account again. I called again XX/XX/2022 and spoke with a supervisor who said not to worry, that I did not authorize the purchase, I never received any product, I filed fraud immediately when it happened, and notified my bank. My money was once again returned to my account from PNC, and I thought it was all taken care of. Come XX/XX/2022 PNC once again reversed their decision and took MY MONEY out of my checking and paid the criminals for stealing my money. I noticed the reversal and called thr bank on XXXX XXXX weekend and told I could leave a msg with the fraud dept. A supervisor did call me back, told me she would look into this nonsense and told me that she had seen a lot of fraud like this claiming people had actually made a purchase when they in fact never hit the final purchase button. This PNC fraud supervisor told me its a click bait, that they record my keys so even when i backed out and never made the final purchase button that they STOLE my financial info and illegally made a purchase stealing my money! She went on to say that in my case they could not reach the company by phone as it was fake, they had a bogus website, and did not reply to their inquiries. When I called approximately XXXX XXXX I was told that the time to file a claim had passed. Ah no it hasn't, this is the SAME FRAUD CLAIM, not a new claim! I want these crooks punished and stopped from robbing poor people like me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
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 purchased a vehicle in XXXX and financed a car loan with Bridgecrest ( through XXXX ) I made every payment on time and in XX/XX/XXXX decided to sell the car back to them ( it was a second car ) XXXX picked up the vehicle on XX/XX/XXXX and I was assured they would pay the loan balance ( along with a cashiers check that I gave them for {$1800.00} which satisfied the difference due on the loan from their offer ). 
They encouraged me to make the XX/XX/XXXX payment on the loan, which I did, and explained that this overpayment would be quickly refunded to me within XXXX weeks. ( I was concerned that Bridgecrest would report the loan as delinquent if it went past the due date before they paid off Bridgecrest ). I received an email on XX/XX/XXXX from Bridgecrest that my loan was Paid in Full and closed but with no mention of my overpayment or refund. As of XX/XX/XXXX I have yet to receive the refund ( approx. {$420.00} ) and have contacted Bridgecrest 6 times. In addition, they have wiped out my loan account on their website so I can not check the status. Each time I call I am given a different excuse as to why they are holding onto my refund : It takes XXXX months for a refund, The refund was processed on XX/XX/XXXX, The refund was processed on XX/XX/XXXX, U.S. Mail can take 30-60 days to go from Arizona to New Jersey Out team is working on it - and on and on. A consumer law states that a car loan company has 7-10 business days to refund an overpayment on an account. Bridgecrest is not a reputable company and my money is being withheld from this shady company!

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 2021-03-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021I received 26 calls around the XXXX XXXX  hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.

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 2022-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter yesterday, XX/XX/2022, dated XX/XX/2022, from Chase Card Services, saying, " After careful consideration, we decided to close your credit account on XX/XX/2022 because your association with Chase credit card, deposit or investment account that was previously closed. '' Chase bank should have explained a reasonable cause to close my previous accounts. I believe chase bank 's action is not fair to its customer financially. The letter was mailed on XX/XX/2022. 

Chase Bank is biased against a particular customer. If I have any issue with my credit history or other reasons, they never issue a credit card to me. Because I called the bank credit card service, they did not come up with any reasonable cause. I want Chase Credit Card Services or Chase Bank to explain the real reason behind closing my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions 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:
EXPERIAN, XXXX  AND XXXX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX - NOT MINE

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 2020-02-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for and was approved for a 0 % balance transfer APR & 0 % on purchases. I almost always paid more than I spent in a month, but when my purchase APR promo was up, they insisted I still had a purchase balance, which they applied interest to. I asked repeatedly for a breakdown of how my payments were applied and have repeatedly been told the payments are applied to the minimum payment due, then the balance with the highest APR. If that were the case, I should have had a XXXX purchase 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 2022-12-09
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-10
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:
XXXX, TRANSUNION AND XXXX  ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX/XXXX - NOT MINE

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX 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 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company was to provide a " line of credit '' in exchange for credit reporting. After approximately 3 months of service, a technical issue prevented me from logging into my account, The exact issue was that I would input my username and password and the system then says it is emailing me a code. This email never arrives and I am unable to go any further. The same issue arose when trying to " reset '' my password. 

During this time I was locked out of my account, my credit card on file was canceled by the bank and a new card resissued. This caused the payments to decline. DUE TO THEIR INTERNAL ISSUE I WAS NOT MADE AWARE OF THIS ISSUE BY EMAIL OR ANY OTHER WAY. When I discovered that XXXX, a " credit Building service '' had been reporting late payments on my credit reports, causing me great monetary harm, by the way, I immediately contacted XXXX. They have no live support, so you must email, I have saved all of the emails and will attach them. The customer service rep was able to resolve ( after several days ) the login / email issue. I asked the rep if they could remove the late payments on my credit report, and they refused. DUE TO THEIR SYSTEM!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ChexSystems XXXX XXXX card was stolen and i am now in ChexSystems because of fraudulent accounts opened in my name.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Annual Credit Report will not show credit score and when I requested for the credit report to be mailed to my address I was instructed to mail information to an address in XXXX. XXXX this is making me feel as though there could be fraud involved.

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 2022-11-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My husband and I applied for a mortgage a few years ago. Equifax would not give the bank my credit information because they said that I was born a different month than I was actually born. After talking to someone in XXXX who worked for equifax and waiting on hold for long periods of time I was told to mail information proving my real birthdate. I did so and received a 6 page letter back from them. I could not understand if they were correcting the wrong birthdate or telling me that I was not born on my correct birthdate. I showed the letter to my lawyer and she could not understand what it was telling me. That is how poorly the letter was written. Now years later I received a letter from them again wanting information. They are asking me to provide two of the following IDs : pay stub with SSN, W-2 form with SSN and social security card. Of these three items I have only one -- the social security card. I am self-employed -- no W-2 or pay stub!! Clearly some date entry person entered the wrong information for me in their files and it is now impossible to fix. No one at any agency or company has ever gotten my birth date wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : XXXX XXXX Collection Agency : Credence Resource Manage Amount {$440.00} Claiming I Owe **** Unverified **** Date Disputed :XX/XX/2019 Disputed Charges & And Asked For VOD Validation Of Debt *** Not Validate *** Resolution : XX/XX/2019 Account Statues : Per XXXX   Account Information Disputed By Consumer Meets FCRA Requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: AXOS FINANCIAL, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I fell behind on my payments in XXXX when i got laid off of my job due to XXXX I was very honest with Axos and told them what was going on and made payments when i was able to, I then got evicted and had to move and get a new job so i was about XXXX past due and they put my vehicle in for repossession on XX/XX/XXXX. i tried multiple times in XXXX and XXXX to make a payment and set up a payment plan but they refused and told me that my contract had been sent to another department so they could no longer help me or take any money. They gave me the number for the repossession department and i called multiple times and left messages and nobody ever called me back in regards to finding a way for me to keep my car. They told me i would need at least half and when i tried to pay them almost half they still refused and said they want the car not the money. Then when i asked when they would be picking up the car they said they could not give me any information. Then i had an investor call me and we scheduled for the vehicle to be picked up on XX/XX/31 and they still have not picked it up or reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was in bankruptcy until XX/XX/2018. XXXX XXXX said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business

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 2023-03-29
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed multiple complaints against Consumer Adjustment Company ( CAC ) for their unlawful credit collection and reporting practices. CAC is continuing to falsely report on my credit files thus violating my rights and the law. CAC has, once again, put a collection on my credit file for an alleged debt that is past the Statute of Limitations to collect and has not been legally verified. CAC has NEVER sent me anything in writing through my mailbox or email ( I have searched my entire email box, including spam ) as they claim, in regards to this alleged debt. I have had no opportunity, whatsoever, to dispute this alleged debt prior to CAC reporting it on my credit files and causing continued damages. Furthermore, CAC has not been able to legally verify alleged debt to me. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) requirements, CAC is continuing to violate the law and my rights. 
Thus, CAC is purposely and knowingly breaking the law and causing damages to my credit files, regardless of the laws in place they are required to follow. By doing so, CAC is purposely attempting to intimidate and coerce me into paying them for an alleged debt that is irrelevant and not pertinent as per Statute of Limitation laws.

I demand Consumer Adjustment Company, including any and all its affiliates, to remove ALL collections from each of my credit files immediately and permanently.

I also demand CAC cease and desist ALL collection attempts on this alleged debt immediately. Due to Consumer Adjustment Company 's violation of the law and because they have failed to respond and comply as per the FCRA and FDCPA, it is their legal obligation to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Hello my name is XXXX XXXX. My ex-wife opened an XXXX JPMORGAN CHASE credit card in my name. JPMC was issued a subpoena from my lawyer to release the application that was made out in my name. They refused in previous attempts to give me the application per my request so I had to hire a lawyer to subpoena the application which I assume I have every right to the this application since they claim is in my name. I have never had any of these cards in my possesion. Once I received the the application from the subpoena from my lawyer I noticed that it was in my name but with an e-mail and phone number that was not mine. I have never authorized this credit card in my name. I have called JPMC numerous times and they say we have done our investigation but will not tell me anymore. I would like to see what IP address this application came from and JPMC refuses to give it to me even with a subpoena from my lawyer. XXXX XXXX XXXX XXXX  agreed in this same situation that I was not responsible for their card. I can provide any information you need per my lawyer.

Company response to consumer: Closed with explanation