BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid 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:
On XXXX Discover Card offered a zero percent interest rate on all purchases for 12 months. I've been a customer of Discover since 1996. I only use this card once a year to keep my account open, due to high interest rates. Upon receiving the promotional 0 % APR, I commensed to charge on the card. Over XXXX XXXX dollars were charge under the impression that it would be a 0 % APR. Upon receiving my next statement, the normal 11.99 % interest charge was still in place. I called to inquire and was told that in addition to activating the card, I had to call a different number ( not provided ) in order to activate the new interest rate. Discover was willing to activate the 0 % interest rate on any future charges, but the balance would still have 11.99 %. This is a deceptive practice and false advertising. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I asked Discover Bank to transfer my IRA to XXXX Bank. XXXX Bank sent Discover Bank all requested paperwork yet Discover Bank refuses to wire my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-28
Company: EQUIFAX, INC.
State: AL
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX, I am the sole Director of a charitable organization called XXXX   XXXX XXXX XXXX ( incorporated in the State of Texas, IRS EIN # XXXX ). 

We have a checking account with Bank of America, where we deposited {$3000.00} to avoid monthly fees for account balance imposed by Bank of America. In XXXX of 2018, a fraudulent charge in the amount of {$2000.00} was made at XXXX XXXX retail location in XXXX XXXX, CA. This is the ONLY transaction that has ever occurred in this account. We were never notified of the fraudulent charge in any way by the Bank and by the time we noticed and filed a claim, the claim was not accepted. Additionally, the Bank proceeded to charge monthly fees even AFTER I submitted the formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: JPMORGAN CHASE & CO.
State: MA
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:
My card was used fraudulent and Chase lied about the facts and distorted other facts. 

1. ) I sent supporting documents, the passports, with a newspaper background, showing that I was not in XXXX 2. ) There were charges in two places on the same day, in the states and in XXXX on XX/XX/XXXX, XX/XX/XXXX,. There is  not possible way I could be in those two locations at the same time 3. ) My card was in my possession, I made those charges in the States 4. ) I traveled to XXXX a year prior, as shown on my passport

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
One student loan was transferred to AES/PHEAA in XXXX, in the amount of {$33000.00} ( see attached ). Over the years AES reporting became inaccurate and loan was duplicated within the AES account. I have tried repeatedly to have the duplicated loan removed. My latest efforts began again in XXXX, XXXX. ( see attached ). I was initially assured the duplicate would be removed within 10 days. This has not happened. I contacted two PHEAA Executives, AES customer service, the AES Omnbudsman, and the Federal Ombudsman with no success. In a more egregious foul-up AES/PHEAA just QUADRUPLED the amount allegedly owed and reported same to the credit reporting agencies ( see attache ) so the amount owed now shows as $ XXXX plus. I want the account audited, the duplicate amounts removed, and credit for any incorrect interest charged, and for any payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: Professional Debt Mediation, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor is no longer in business which is the XXXX XXXX XXXX however the XXXX XXXX XXXX was managed by XXXX XXXX XXXX whom I have contacted professional debt just put this on my report without notification and validity of this debt. I have told XXXX and XXXX and XXXX I have shown proof this debt is in repayment. This needs to be deleted off my credit report. 

I am attaching payment agreement which is now in the hands of the property management company XXXX  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 2019-10-28
Company: EQUIFAX, 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:
On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of Equifax, XXXX and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-07-09
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have purchased a merchandise using installment load by affirm. The order has never came through and after a week or so I had to cancel the order with merchant. But Affirm charged me a down payment. When I came back to Affirm telling that I cancel the order because the merdant never received it and sent all proofs from merchant, Affim has never refund my down payment. I called and texted XXXX times and each time they told me that they escalate the case. I had to resolve the issue by disputing it with my credit card but I want to report Affirm fraudulent behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Had car for one month, was totaled out with insurance company. 
Should not be paying all the interest on the car when they were paid what the car was worth, for only a 30 day period. 
Asked the credit bureaus to remove, Chrysler Capital did not respond to my inquiries for at least a year, when they did respond they send me a COPY of our agreement that was no where close to what they were actually still charging me for the car loan. Car was paid off through insurance. Then Chrysler Capital went as far as to put a fraud alert on my account and send me a form to fill out for identity theft because I kept asking for the original copy of our contract. Not ethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2019-02-01
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my annual health exam which BY LAWis covered 100 %. XXXX XXXX XXXX made a mistake encoding the XXXX   test. This ended up to a 3rd party XXXX XXXX. Which in turn sent it to Professional Finance Company which refuses to confirm or correct or verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was wrongly placed under a collection account that I have already paid off approximately XX/XX/2020 and was removed from my credit history. The original charge was under XXXX  XXXX retailer for a charge of approximately {$60.00}. A few weeks later I continued receiving collection emails for a charge I paid off then somehow grew to {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My husband and I opened new credit cards with Capital One approximately 2 years ago. At the time we submitted the necessary documents for application. The application stated the assets and liabilities for our COMBINED incomes. He received his card with a credit limit twice that of the one I received. At first I thought it was an error. I tried contacting Capital 1. However one can not talk to a live person at Capital 1. Only online submissions. I received a denial form letter that stated there were many variables but I hadn't used it enough to warrant an increase. Naturally not, it was brand new. Without prolonging the number of attempts we made with Capital 1. Nothing worked, just a number of standard denial form letters.

Where the confusion reigns is within our COMBINED income my salary is greater than my spouse. Our Credit Scores are almost identical ( Over 800 ) and our income is over 6 figures. There are no bankruptcies in my past, no late payment, no collections, nothing. However I do happen to be Female.

My only conclusion is that " If you are married and female you are a greater risk for default. '' However not being able to talk to anyone with Capital 1 and unable to get a response from them so that I could confer with anyone I am left with the obvious conclusion. Gender is still a factor in equality

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Velocity Portfolio Group
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 I received a letter in the mail stating I owe a debt from Law offices Of XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist.

I am asking this company get correspondence from credit bureaus to get this matter handled

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 2021-08-23
Company: I.C. System, Inc.
State: PA
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 was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not 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 2019-10-28
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
citibank has conintinued to harass me at my work and through letters in mail of a card that was opened under theft identity fraud that i have filed with the police in nys. 
i did not know of this card or charges. they continue to harass me under this assumption that they mailed the card it is my debt to an address, where i was renting the house out to someone that did indeed use my identity and open several accounts and i have given the suspects name to ftc and police and the creditors. they have not supplied any documentation to show i signed for the card or authorized anything as i did not know about this account.

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 2021-10-07
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with XXXX. XXXX put the judgement on the real property then sold the debt to XXXX XXXX who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XXXX/XXXX/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX a collection agency called XXXX  # XXXX called me at least 5 times a day regarding a {$160.00} charge from XXXX. I went to the XXXX office in XXXX XXXX XXXX Florida Back in XXXX when the charge first showed on my bill. We had paid for an International calling package for the XXXX. Their advertised free talk text and data. This charge is for roaming which should have been included. The XXXX XXXX XXXX office said DO NO PAY. Then it gets sent to a collection agency who will not listen and will not investigate. I do not owe this bill. TransUnion is taking the word of a disreputable collection agency, not the company who charged me the bill. Look at my credit. I have ALWAYS paid my bills for 40 years+ on time. I will not pay a bill no matter how small that is not owed by me. The amount of the charge is now an amazing {$280.00}. There is no talking to this collection agency and XXXX won't do anything now because it was mistakenly sent to collection.

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