BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately XXXX, Equifax as well as XXXX. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. XXXX, XXXX, equifax and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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.

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 2023-05-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I made a cash deposit at a chase atm for {$3700.00}. I put all {$100.00} bills and after my funds were inserted into the atm. The atm issued me a receipt stating my funds will be available next business day. When making a cash deposit funds are available immediately and my account was never credited the {$3700.00} I deposited after my funds were accepted. Immediately I called chase bank and reported the incident. I was told that I will be credited the {$3700.00}. I was never issued the temporary credit that the chase representative promised me. I made a XXXX attempt to recover my funds going inside the same branch making my complaint to a banker. I was then told my claim was denied and to reopen the claim for another investigation. I was told to wait 10 days for another investigation to be completed. It's been 30 days and I haven't got my credit, updates, or any correspondence from the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p

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 2023-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My interest for XXXX was XXXX I was still on a hardship program and I was taken off in XXXX. After that my next bill for may was XXXX dollars minimum payment with the interest still the same when I was taken off the hardship. Now I know interest rates went up but tell me why for XXXX my interest is XXXX Why would it jump that high that doesnt even make any kind of sense. Now they tell me after the hardship program that they put interest from that then put XXXX dollars for something else honestly it does not make sense and confusing. To me it just looks like Im being cheated. Ive spoke to them so many times and they give me the same XXXX answers Ive went to news stations lawyers and still nothing works. I go to capital one they dont help you at all they just never answer you back or they have another excuse. XXXX so sick of them I hope they all go to XXXX because theyre sure making my life a living XXXX try to anyway. This time if they get someone to supposedly help me dont waste my time actually help me or dont even bother contacting me! I want answers I want direct answers! I want transparency about this bill. I dont want to hear any more lies!!!!!! oooh and another thing they stated I was late with the payments thats a lie I was on the hardship program how can you say I was late and Im on a plan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX??? 
XXXX XXXX XXXX paid/never late XXXX/XXXX XXXX paid/never late INQUIRIES XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX  I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX & XXXX XX/XX/XXXX  unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX {$30.00} ( SA ) XXXX XXXX not mine XXXX not mine XXXX {$2000.00} not mine XXXX {$3500.00} 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 2018-03-12
Company: Experian Information Solutions Inc.
State: DE
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:
There is a {$590.00} collection account from XX/XX/XXXX on my Experian credit report. I have disputed this multiple times, and it still remains. XXXX XXXX XXXX is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called Experian and a new dispute was opened since I discovered the class action settlement. Per the results, XXXX XXXX XXXX validated the collection amount and stated it will NOT come off my credit report. 
I have contacted XXXX XXXX XXXX 2 weeks ago, and they stated there is nothing they can do. 
I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current Experian credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX regarding the class action settlement.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America placed a nine day hold today, XX/XX/2020, on an XXXX XXXX XXXX check given me as deposit by my customer to purchase materials for their job I have to start Monday morning, XX/XX/2020 that I have to complete by Thursday, XX/XX/2020 so they can have their XXXX XXXX XXXX XXXX. The funds check was deposited into my business checking account at Bank of America that has been open now for 10 months, almost a year. 
My customers are teachers for the school district, earn six figure incomes, and live in an influential community in a home they just purchased for over {$600000.00}. The same home I was XXXX  to start XXXX  Monday morning. I am running a XXXX XXXX XXXX and without any business loan operate from customer check to customer check. All my customers live in higher income bracket communities and I have NEVER had any one of my customer checks denied or returned for NSF. There is absolutely no reason why Bank of America, an underhanded, crooked, horrible bank should hold my funds deposited that I need to RUN MY BUSINESS! I am going to close this business checking account and open another one at CHASE bank because I have had a lot of trouble gaining access to my own money, having had Bank of America freeze my business account many times for no reason, commiting fraud by holding onto funds deposited on many occassions and freezing my account when I needed to pull money out of the ATM to purchase gas while driving on empty. I hate this bank, Bank of America and I think they should close this bank down and tear down every last building where they sit so citizens of this country and anyone else that has an open bank account with them will not become another victim of Bank of America fraud and lies!

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 2021-03-30
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Bank Auto Loan has been charging outrageous interest rate and have me signed in the middle of the pandemic agreements to extend their hicking of interest to have my loan impossible to pay. I have been struggling to make payments to keep a car that is was very expensive in the first place with a 23 % interest which is a robbery to people. I wanted to get this loan done and I have only XXXX borrowed to pay for this loan because they keek hicking up interest and robbing me blind. My car worth XXXX and it has a mileage of XXXX breakings all the time. I need them to meet me halfway and let me pay off the car for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
This month I was charged an annual fee on my account. After reviewing the terms on the website their is no longer a fee associated with my type of card. I called and was told because I opened my account 7 years ago it is stuck under the old terms and cant be changed. I would have to close my account and re apply for the same card to not have an annual fee. I should not have to apply for a new card because terms were updated. Its one thing to be grandfathered in when its a positive but this is a negative and unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my credit reports that I did not initiate, have any knowledge of, or have any complicity in. Not did I personally authorize any of the hard inquiries. I did or have filed disputes with all three credit bureaus regarding the unknown and or unauthorized inquiries and all three credit bureaus have denied my disputes and notified me they can do nothing and for me to contact the company or entity that made the inquiries and ask them for assistance. I did contact entities that made hard inquiries and as of present date and time, no assistance has been given and no corrective measures taken. The companies that have made the hard inquiries are : One MainFinancial conducted on XXXX, XXXX, and XXXX. XXXX XXXX conducted on XXXX and XXXX. XXXX XXXX XXXX conducted on XXXX and XXXX. XXXX conducted on XXXX. XXXX conducted on XXXX. And finally, XXXX XXXX conducted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$670.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX and XXXX and I am including these accounts again.

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 2020-06-14
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  File # XXXX Experian report # XXXX I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2023-05-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got a bill from Comenity about a {$3.00} charge on a card I no longer have and have not used in years. I spoke to someone months ago that said they would cancel the card me close the account and I was not responsible. Then I got another bill. I figured it took a month to resolve. But I got another bill with interest and penalties. I wrote a letter to Comenity. They sent me a response letter dated XXXX XXXX, that they were researching the issue and to please allow them 90 days to resolve the issue. I had no issue with that until, now they have me as delinquent over 60 days at every credit bureau and that I now owe them {$60.00} for that {$3.00} disputed fraudulent transaction. It has caused my credit score to plummet. I have had no delinquent accounts in many years and this has single handedly caused irreparable damage to my credit. This needs to be resolved immediately and removed from my credit. I dont have this card. I havent used this card. I told hem immediately and they keep dragging their feet and charging me extra fees while damaging my good credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX and I became a victim of scammers. In my name, a Capital One bank credit card was opened. This card was opened in XX/XX/2022 with a limit of {$500.00}, while {$740.00} was used on it. I have two cards, one debit card and the other security deposit bank XXXX XXXX XXXXXXXX. I no longer applied to any banks to open credit cards. 
Also, I did not receive this credit card or letters in the mail, and nothing came to the e-mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Affirm Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged {$100.00} and {$330.00} from affirm and XXXX for a faulty product as soon as I took it out of the box! I sent the product back and even had to pay {$70.00} of my own money to ship it back! Use them at your own risk

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report over 45 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.

Company response to consumer: Closed with explanation