BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: Continental Finance Company, LLC
State: NJ
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:
I made a payment on due date of XX/XX/XXXX. On their app it stated {$10.00} minimum due. On auto pay. I paid that. There was only {$39.00} used on the card at the time. 

I check back now XX/XX/XXXX and it says {$88.00} due past due. No notification, no phone call, nothing. I called them today. At first I called and after going through prompts continental finance it seemed like someone picked up the call and I heard background noise but no answer for like 5 mins. 2nd time I called I was eventually transferred to a lady who told me that minimum {$35.00} you paid less. I told her auto pay said 10 was minimum which I paid. She was firm and didn't refund my late fee. 

I ve been with this company for almost 3 years. I've paid my bill on time almost every month. At worse maybe 4 or days late but even through COVID I always tried to make it a priority to pay them on time. Made a lot money off my back with their interest. They have yet to give me any increases on my limit and shown me they don't value me. I can't cancel the card as it will hurt my credit age but I am disgusted with them and would like something done.

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 2023-11-20
Company: EQUIFAX, INC.
State: IN
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:
recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XXXX i check my bank account it was {$3700.00} hold on my account .I immediately call XXXX  and i spoke to them and they given my phone number to contact XXXX police department.But unfortunately the phone number is connector to debt collector call Nelson and kennard Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Equifax Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written permission/ consent to report anything on my consumer report. No consent means Identity theft which Equifax can be held criminally liable Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EOS Holdings, 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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : EOS CCA, ACCOUNT # : XXXX, DATE : XX/XX/2017, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied for an auto loan based on the worthiness of my consumer credit report. I find no respect, fairness, or accuracy of this denial!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance in XXXX, 2020. My home was appraised on XX/XX/XXXX, and all information provided to Amerisave in time for me to receive initial closing disclosures on XX/XX/2020. In the several months since then, the closing has not been scheduled to date. The company has repeatedly asked me for information that I had previously provided. Each time I provide them requested information, always within 24 hours of their request, I get repeated requests for more information and then weeks go by without hearing from anyone. Then someone else looks at it, asks me for more repeated backup and/or updated information. The people working on my loan do not understand compensation of a business owner - they have asked irrelevant questions. At one point the loan orignator, XXXX XXXX, told me he thought they were going to deny the loan because of lack of compensation ( untrue ). I applied for another loan and my credit was pinged again. Then the loan processor, XXXX XXXX, told me they were on closing the loan. This was two months ago. They then came back and told me they needed another credit score because so much time had passed. There are now 3 checks of my credit, impacting my score, and I still have not refinanced, nor can I get even the courtesy of a reply. This has dragged on for six months and I can not get any answers from anyone. I have contacted both my loan originator and loan processor repeatedly and been ignored for weeks at a time. I have called their customer service line and received no reply. This is costing me money each month and has now significantly impacted my credit score so it will hurt me to switch to a different company at this point in the process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I received two separate texts with a " one-time passcode '' to access Experian. I have never used Experian and did not request to view my credit score at Experian or any other company. I'm afraid someone is using my information to try to access 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 2023-10-23
Company: Nicholas Financial Inc.
State: GA
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:
Subject : Formal Notice of Intent to Pursue Legal Action for FCRA Violation Dear Nicholas Finance, I am writing to express my deep disappointment with your response dated XX/XX/XXXX, in which you have chosen not to provide the information I have requested obviously you enjoy going against the law. This information pertains to unauthorized credit inquiries made by your company, which, in my view, constitutes a violation of XXXX compliance and a clear breach of the Fair Credit Reporting Act ( FCRA ). In your response, you refer to certain credit inquiries initiated by me, indicating that on XX/XX/XXXX, I submitted an application to XXXX XXXX XXXX, and on XX/XX/XXXX and XX/XX/XXXX, I submitted applications to XXXX XXXX XXXX. However, I must emphatically state that I have neither provided consent nor authorization for these credit inquiries. Your company 's decision to absolve itself of responsibility by redirecting me to the dealerships for application verification is deeply unsatisfactory and evasive. I have made a legitimate request for the general or specific certification that was sent to the consumer reporting agencies, as per my rights under Rule 1002 of the FCRA. It is essential to remind your organization that FCRA Section 619 imposes criminal liability on those who knowingly and willfully obtain consumer information from a consumer reporting agency under false pretenses. Your company 's actions have caused me significant harm, ranging from the invasion of my privacy to disruptions in my financial and emotional well-being. As a direct result of your company 's willful violation of the FCRA, I have been unjustly denied access to new credit and increases in lines of credit. In compliance with FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ],

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-09
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Leafy Financial, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I brought Some tables back in 2022 of XXXX when they came they was cracked XXXX broken i reached To the company i brought Them from which was XXXX XXXX  they said they would send tables out but they was out of stock months later they stopped answering my messages through online i gpt I touch with u own leasing they told me if i would Pay XXXX they would marked it as paid being as though these tables came to me cracked and broken up from the shipping and handling Than after about two months leafy started connecting me about full payment when in fact i wasnt Told it would be full payment i have Included emails from furniture XXXX and leafy to prove my point these tables came to me messed out and broke XXXX cracked but they wanted me to pay full price on an item that wasnt how they supposed to have came which is very wrong on my behalf as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. 

XXXX HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR THOUSANDS OF DOLLARS. 

XXXX UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT. ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. 

I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. XXXX IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED. 

THANK YOU.

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 2021-01-20
Company: American Credit Acceptance, LLC
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:
Items where illegally ran on my credit. Not giving consent to do so by me.! 

american credit accept XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Capio Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am suffering from identity theft crime. Someone used my personal information to obtain credit goods without my authorization. The problem was reported to three major credit reporting agencies back in XXXX, 2020. 
XXXX  and XXXX XXXX found all accounts that I reported to be fraudulent and removed them successfully from my personal credit report. 
XXXX  is not accepting all of identity theft reports ( FTC and XXXX county police ) and continuing to post few fraudulent accounts on my credit report. 
Those accounts are listed as XXXX XXXX XXXX XXXX CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have requested verification and validation of these accounts, but XXXX  nor the creditors of these accounts never followed with my demand. I believe that both parties are in violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened a Chase Total Checking account and Chase Saving account under a {$900.00} promotion offer.

The qualifications for the bonus are : Get {$300.00} for opening a Chase Total Checking account and set up direct deposit. 
Get {$200.00} for opening a Chase Saving account and deposit {$15000.00} or more and maintain it for 90 days. 
Get an extra {$400.00} bonus for opening BOTH Total Checking and Saving account. 

I do have screenshot of the bonus requirement and I am attaching it to the case file for reference. 

I have deposited $ XXXX into the saving account and have a direct deposit from my company on XX/XX/XXXX into the checking account. After 90 days, I have received only {$200.00} bonus ( on XX/XX/XXXX ) for the saving account and not the other {$300.00} ( checking bonus ) + {$400.00} bonus ( for opening both account ). 

I have made an inquiry regarding the missing bonus via chase secure message on XX/XX/XXXX and was asked to provide my paystub for the XX/XX/XXXX checking account direct deposit which I submitted on XX/XX/XXXX. I didn't hear back from XXXX after a week and I submitted another inquiry on XX/XX/XXXX and this time Chase replied saying that I am ineligible to receive the checking account bonus which I disagree as I have satisfied the bonus requirement and therefore I am filling a complaint here in the hope that Chase will correct the issue. Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Chase is discriminated against my race. I came to the U.S in XXXX  from XXXX to study aboard. I was provided a social security number since I worked park time on campus. After that, my first XXXX XXXX account was opened with Chase. One day the bank chose to close my account without any reason. Since I only use the account receive pay checks from the school and paid for my food expenses, no illegal activities and fraud were involved. It has been 10 years and I became an U.S citizen now. I came to a Chase Branch to open a checking account with them. A banker said that I had been ban for life doing business with Chase. My XXXX  score is XXXX, and I have never been on any backlist. Im so disappointed the way Chase is handle its business with a hard working XXXX  like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Account information incorrect

Complaint:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 purchased sunglasses online. They arrived and were the wrong glasses and upon further investigation, they were also fake. I went back and forth with the seller and then my bank. Bank of America finally opened the claim after telling me the seller claimed I wasnt in contact with them. The seller denied my refund. Bank of America then asked me for the emails with the seller. I printed and faxed them to Bank of America. I then waited months, finally called to check in on it and they told me they would put a note on my file. They called 3 weeks later to tell me that I did not get the papers faxed to them in time. No one ever gave me a time limit. I called to speak to a manager and was pretty much blown off. I was told that the manager would not help me. I canceled my account with Bank of America.

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