BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: AR
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:
Despite the numerous attempts to correct my Credit File, you have been constantly failing to comply with my requests. When I checked my credit record, the discovered billing problem are still reporting on the payment history of the disputed accounts. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. I need you to remove the late payments from the payment history of the following accounts : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$0.00}. You have also not sent me copies of proof of verification from you investigation. Failure to provide these documents should already be assumed the correction of the disputed accounts.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer, Financial Protection Bureau, I am writing to bring to your attention a matter concerning my credit report and the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ). As per this federal law, it is required that Experian verify all accounts posted on a credit report through the physical verification of the original signed consumer contract, they have failed to do so. 

I have previously disputed the XXXX XXXX XXXX  XXXX accounts on multiple occasions, but I have not received proper debt validations for the alleged debts in question from the debt collector. Therefore, I kindly request that you take the necessary steps to delete the following two accounts from my Experian credit profile : 1. XXXX XXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX XXXX  XXXX Account # XXXX I trust that you will investigate this matter and take appropriate action in line with the Fair Credit Reporting Act. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Capital One Venture credit card on XXXX XXXX.  The card has XXXX  yearly fee.  On XXXX  the card was closed by Capital One without any reasonable explanation.  They don't want to return the annual fee.  I called XXXX and XXXX lines, spoke to XXXX XXXX XXXX, and three or four other folks, reached out to them on XXXX  They are all saying that bank won't refund the annual fee.  
However on XXXX and another website I read that:

According to a representative from Capital One, your annual fee will be refunded if you call to cancel within 30 days of the date of the statement that includes it.
CapitalOne: CapitalOne acts very strangely in regards to annual fee refunds. You can get an annual fee refund only if you close the card within30 days of when the annua lfee was charged. Ifyou chooseto downgradethe cardthen CapitalOne willnot giveyou arefund forthe annualfee evenwithin the30 days.Why theywant youto closethe cardrather thandowngrade it,I dontknow. XXXX importantto notethat CapitalOne veryoften offersan annualfee waiverif youagree tokeep thecard openas-is, andyou havea perfectpayment history.So itsdefinitely worthasking forthe waiverfirst. 

Its alsoimportant tonote thatwith CapitalOne downgradesare notalways available.They canbe targetedfor eachaccount. Somecardholders arenot ableto downgradetheir CapitalOne creditcard.

Whom can I contact or what should my next steps be to get that fee refunded!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/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 2023-12-11
Company: Experian Information Solutions 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Ex employee " XXXX  XXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-11-11
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
canceled my service. they continued to charge me for XXXX  months.they wouldnt remove and threaten to sue. continues calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
there is a fraudulent application for an credit card at XXXX  in my name. it was declined due to incomplete information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: LD Holdings Group, LLC
State: MD
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:
My morgage was XXXX until XX/XX/2022, suddenly in XXXX they raised me to XXXX, arguing that they contacted my XXXX XXXX XXXX and the XXXX XXXX saying that they did not answer them, so they put me forced insurance, which increased my morgage payment, despite the fact that my townhouse had valid insurance. 
I made the claim and they froze the payments until the problem with the insurance was fixed, it was on XX/XX/XXXX that the person told me that my late payments would not affect me nor would they charge me a late fee and that it would not affect my credit, which which was not true, since Loandepot reported that I had not paid my fees, when they were under investigation for the payment of escrow. 
Check my bank accounts and my credit is too good XXXX now down to XXXX, which seems unfair to me since I was not to blame for all this, I think the problem lies in them not communicating with the relevant offices. 
I talked to Loandepot managers but they refuse to help me fix it and say that they only reported it in XXXX, which is a lie, they already reported it since XXXX. 
I ask you to help me since this company promised to fix it but they are not doing anything, and the injured party is me. 
To finish and I will be able to show that since I did the refinancing I never had any delinquency or delay, which they can show with themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
Starting on XXXX, small amounts of money were being taken out of my checking account, in small increments ranging from {$100.00} to {$500.00}. I was involved in a fraudulent scam where money was taken out of my checking account with the main intention of being able to get my money back with some interest from an investment. I was speaking to this person mainly through the XXXX app and this person kept taking money out of my account and they took a total of {$16000.00}. I found out about this fraudulent scam about a month later, so I spoke to the claims representative at Chase Bank regarding this situation. I wanted to be able to get the debit charges reversed to get my money back since I never got my money back and was basically lied to the entire time. Still, unfortunately, the claims and fraud department denied the claims, stating that " because I authorized the charges, they were unable to reverse the charges and they are unable to stop the pending charges as well since I authorized it. '' I also asked if there were any other solutions that could help me get my money back, but the only thing that the bank said was to contact the XXXX XXXX department since they are the company that took money out of my checking account to see if they can reverse the charges. 

I also spoke to the XXXX XXXX department as well since the scammers also took money out of my XXXX XXXX account and they also denied my claims as well since they claimed that the only way to get my money back was to ask the scammers to send the money back and they are not able to stop the pending transactions. Before consulting both Chase Bank and XXXX XXXX, I already went to the police department to file a crime report on my stolen money due to a scam and filed an FTC report against the scammer. I already explained to both companies about my situation, but they both said that they are unable to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from a debt collector named XXXX XXXX, XXXX relating to a XXXX XXXX account in the amount of {$2000.00} that was in my name but which I have never signed or accepted. I demanded verification of the debt and the only document received was a copy of the bill in my name that had been sent to me. Subsequently, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXXXXXX, a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX and a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, all seeking collection of the {$2000.00} XXXX bill. I have now received two letters from Jefferson Capital Systems XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX relating to the XXXX bill. I requested from XXXX XXXX a copy of the ''original document from XXXX '' to show who signed the XXXX account and never received any reply. Attached are the two letters I have sent to Jefferson Capital Systems , LLC one dated XX/XX/XXXX and the other dated XX/XX/XXXX which asks for verification of the debt. Jefferson Capital Systems , LLC never responded to my request to verify the XXXX debt. It has now been more than two and a half years and successive collection letters from five collection agencies to collect a debt that is not mine and as to which no collection agency has provided the documents that show who originally signed on the XXXX account. I consider XXXX XXXX ( XXXX XXXX XXXX XXXX, NJ XXXX ) to be responsible as well as all five collection companies that have not responded to my request and Jefferson Capital continues to harass me which I believe constitutes an ''unfair practice '' under Section 808 of the federal Fair Debt Collection Practices Act. I am happy to provide additional documentation to the CFPB relating to my responses to all of the companies listed in the attached letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: World Omni Financial Corp.
State: AL
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: Problem with personal statement of dispute

Complaint:
I had XXXX was beyond my control and unforeseen health issues.And it caused me a lot of stress.They kept calling me and harassing about a payment.I had XXXX for XXXX month and could not get rid of itXXXX the name of the company is Southeast Toyota Finance XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. They did not want to here how sick I was all they want was their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX XXXX  account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately

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 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
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 is 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 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}

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 2023-05-02
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
1 ) After calculating the interest rate and payment plan, I should no longer owe ANY interest and have over paid by thousands in interest. The default loan was 6 years, and after 6 years of payments the balance was still too high. After verifying this information to be accurate, I reached out to Santander and they dismissed it. 

They were apart of a lawsuit regarding this, and by the lawsuit requirements I shouldve qualified as I was deceived and shouldnt have even received a loan. Every other company rejected me at the time, however Santander took me under to commit this unfair, inhumane practice. 

There is no reason on the XXXX year that I should owe ANY interest! I have paid $ XXXX interest for 6 years. With {$150.00} as a average thats over {$10000.00} in interest paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: DISCOVER BANK
State: VA
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 have been trying to pay down my balance on my Discover IT card. Discover had usually applied payments made online same day, but now that I am paying more they have delayed posting the payments for 2-3 days. Since interest is compounded daily, this increases my interest charges unfairly.

Company response to consumer: Closed with explanation