BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is regarding my Capital One Quicksilver credit card that I've had for at least the last 4 years. I pay my bill IN FULL each month using the company 's online autopay service that offers me several payment choices. I always choose Pay on my Due Date, which is the first of each month, and it's never been a problem until recently. About four months ago, my autopay was made as usual ( balance in full ), but I was charged interest on my outstanding balance, even though I paid it in full and on time. Capital one reversed the charges upon my request and all was well. Same thing happened the next month, and the next month after that. Then again this month. This time they refused to reverse the interest charges and accused me of making my payment late each month, even though I'm selecting their autopay option to pay in full on my due date, which is the first of each month. Even their automated phone prompt says, " We received your last payment on XX/XX/XXXX, '' which is when my payment is due. I pointed this out to the agent but she continued to accuse me of making my payment late. This company needs a stern talking to about their billing practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: TN
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:
I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. If you continue with your non-compliance is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Atlanticus Services Corporation
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is a follow up to Complaint XXXX that you closed after referring to FDIC. 

The credit card company, Aspire, that is part of the prior complaint. They have responded to me by email and asked for a copy of XXXX XXXX XXXX 's death certificate. As I previously commented to them, I am not a member of XXXX XXXX XXXX 's family and do not have access to her death certificate. And I reminded them that my request is for them to stop sending mail marketing to my home address that is addressed to XXXX XXXX XXXX because XXXX has not lived here since XX/XX/2022. 

The issue continues with this company and they apparently are not cooperative with simply removing my address from their marketing database. I have made multiple requests for them to stop sending marketing material, addressed to XXXX XXXX XXXX, to my address. And reminded them I do not want any marketing material sent to my address. 

Requesting your assistance with this complaint against Aspire for them to stop mailing marketing material to my address. Their company information is below- Aspire | XXXX XXXX XXXX| XXXX , GA XXXX | XXXX | www.aspire.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: American Credit Acceptance, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I financed a car with car max and the loan was through American Credit Acceptance. The car was {$12000.00} and I put down {$2000.00} to lower my payment to {$370.00} a month. That would be XXXX plus loan fees at a 5 year plan.Amount financed was {$16.00}, XXXX. I have paid my payments for over 4 years and still owe over {$10000.00}. Im working on my credit and this loan is causing my credit to go down because during XXXX I got behind one month only by a couple days and quickly caught it up. They were supposed to take it off but its still own there. I have never been late again. I have already paid the {$16.00} owed. How will I ever pay this loan off? Its more now than when I got it. 4 years of payments and Im still owing so much money. This is very unethical and I had same experience with XXXX. They lend to us with poor credit knowing we can never pay these loans off hoping we will default. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Synerprise Consulting Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX, Synerprise Consulting Services called my phone number and asked me to pay {$2000.00} in medical debt. They claimed I had a service on XX/XX/XXXX and owed money. They were very stern and didn't provide a lot of information. When I asked what this was for, they could only tell me that I had debt from XXXX XXXX. I asked for their callback number. 

On XX/XX/XXXX at XXXX XXXX, I called Synerprise Consulting Services and asked what name was associated with my phone number. They told me it was my name, but it was not associated with my birthdate. Therefore, they said they had the wrong person. I asked how they obtained my phone number since the debt and services were not associated with me, and they said a third party service provided the number. It seems like it should be illegal for Synerprise to query a list of names and get phone numbers. The phone number should come from the medical provider of the original services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
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:
On XX/XX/2023, my wife called Rushmore Loan Management Services and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the Rushmore payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called Rushmore to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if Rushmore uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a 30-day late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2021-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX XXXX Equifax reporting smh credit score decreased at XXXX points based off XXXX XXXX information that is current and in good standing. XXXX was contacted and it is confirmed that this account has been consolidated and is in good status and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The card advertised getting a digital number and not having to wait for the physical card. It also did this during the setup process. This match is my expectations with the other two cards I have with the same company. I did not get the digital number. I spoke with managers and support and they said that this particular card is not eligible for that yet it is advertised as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. 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. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago someone used my XXXX account to purchase some XXXX products totalling around {$2500.00}. I immediately requested a chargeback from my bank, which was successful. I then enabled 2FA on my XXXX account and disconnected my bank account from it, and I thought it was taken care of. A few months ago a debt collector contacted my by phone and email claiming I owed several hundred dollars on a XXXX debt. There should never have been a debt because the money didn't transfer. Also, I was never even contacted by XXXX about a debt owed. I have since reopened that XXXX account and use it occasionally, and have never gotten any debt notifications. 

This is being reported on my credit as a debt owed and I'm not sure why or how I can remove it. It is being reported on my credit as a debt of {$640.00}, but their collection email said it was {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
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 am writing to express my profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, which have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX PLEASE DELETE!!! 
These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately. 
It is astonishing that despite the overwhelming evidence provided, your bureau continues to overlook the severity of this matter and has failed to carry out its responsibility to maintain accurate and fair credit reporting. The continued presence of these fraudulent accounts is not only damaging my creditworthiness but also causing significant emotional distress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed all my accounts, was supposed to be issued a check for {$54000.00}. At first told it hasn't been mailed than told it was mailed and cashed. I never received or signed for any check. Went to XXXX XXXX XXXX XXXXXXXX and told the XXXX  of the situation, Filed a Lost or stolen cashier check and declaration of lost and stolen check. Notarized. Sent it over and it wasn't enough. Went and got a police report that stated in surveillance it wasn't me and it wasn't enough. finally sent them proof of lost ID and they said it wasn't enough. Spoke with both XXXX and Escalations about this. 

This was back on XX/XX/XXXX and still isn't resolved as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: Genesis FS Card Services, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened this card in or around XX/XX/XXXX. I paid the balance off in full in XX/XX/XXXX. In XXXX I received a statement with {$17.00} interest charges. I called and spoke to a customer service rep and was told it was residual interest and the fee would be waived. I moved in XXXX and never heard anything since until last Friday when I got a notification my credit score dropped over XXXX points. Which is a huge impact to my financial situation as I am applying for a business loan. 

I never received any statements other then the one in XXXX. It appears that the fee did not get waived which caused late fees and more interest charges and then reported to the credit bureau for all these months. 

I placed a phone call immediately last Friday and spoke with XXXX a manager that promised me a call back before her shift ended at XXXX XXXX  that day. She advised this needed to be escalated to a unit manager. 

I never heard anything back. On Monday I called and spoke with XXXX and was told it was under review and her supervisor would give me a call back. Still havent received any call. 

Im hoping this issue can be resolved. As a {$17.00} fee could of been paid and resolved but instead I was mislead, or the representative didnt do her job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the FAIR CREDIT REPORTING ACT, the following accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 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 information, other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15USC 1681i ( 7 ) A consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

What kind of investigation was completed?

15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

No authorization to collect to attempt to collect on the account and the account continues to negatively impact me. Please strike and remove this account from all credit bureaus immediately due to information being reported incorrectly and without all proper validation.

15 USC 1681e ( b ) ( b ) Maximum Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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