BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I entered XXXX XXXX in XXXX, CA attempting a XXXX XXXX XXXX. When we began the negotiating process for out the door price, I noticed there was {$2400.00} in aftermarket finance charges on top of the price of {$16000.00} and sales/taxes. When I questioned XXXX XXXX the sales rep, she stated those charges have to be included with the sale of the car. I inquired of what they are, she mentioned one of the services attached is a GPS tracking system called XXXX XXXX XXXX. I was adamant that I was not going to pay for aftermarket services I did not want. She stepped away and returned back with a new set of aftermarket finances which totaled {$990.00}. I continued to dispute the charges for a tracking system I did not want. Eventually the manager XXXX XXXX entered the room, he said they can not reduce the aftermarket finance charge anymore. XXXX advised that he reduced the charges from {$2400.00} to {$990.00} by removing the GAP insurance. I was stunned to learn, why was there GAP insurances attached to my sales agreement without my consent. We continued to argue because I did not want to pay for the GPS tracking service but they continued to advised multiple times the GPS tracking is not optional because its automatically installed on all our vehicles which is billed to the clients Eventually we came to an agreement because he gave me more for my trade in than I expected. When I got home that night, I reviewed the sales contract and noticed the {$990.00} for GSP tracking was stated as ( Optional ) Theft Deterrent Devices. 

On the morning of XXXX XXXX I called Capital One Auto to stop the funding of the loan until I resolved the loan issue. I was advised by Capital One that the loan can only be corrected directly through the dealership. 

On XXXX XXXX I returned to XXXX XXXX in XXXX, CA dealer to have the GPS tracking removed from my loan. While I was waiting for XXXX XXXX, I asked a sales rep, if the GPS tracking is an optional service? He responded, no, its added to all the vehicles at their dealership and charged to the clients. The sales rep XXXX XXXX escorted me to speak to a finance manager so I can dispute the GPS tracking service. The woman, which I forgot her name stated, the GPS tracking is not optional and can not be removed from their vehicles therefore the GPS tracking service is billed to the clients. " The GPS tracking is billed to all the clients. 


Can dealerships add optional products to their vehicles and forcefully bill the consumer? 

Can sales reps and managers add optional products without the clients consent? For example, XXXX adding the Gap insurance without me consenting to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I need a clarification regarding an international wire transfer I requested on XX/XX/XXXX. In that opportunity I asked, via web, to wire to another account I have in XXXX, an amount of XXXX US . Bank of America collected XXXX $ as fee for the operation and warned that the bank receiving the money might charge XXXX US $ for concept of fees. 

It just happen that the bank in XXXX claims that they only received US {$9900.00} instead of the {$10000.00}, and then they have charged me with 0.6 % fees. I am attaching the swift of the operation for your review. I need from you, information regarding the amount highlighted in yellow, where this money was taken? In US? Is it at Bank of America cloud? If  that is the case, please ask for its devolution to my account in Bank of America. 

I really appreciate clarification of the operation. 

Here I am attaching the swift provided by the bank in XXXX XXXX : { 1 : XXXX } { XXXX : XXXX } { 3 : { XXXX } { XXXX } { XXXX } } { 4 : XXXX XXXX : CRED XXXX, XXXX : XXXX, XXXX : XXXX RRR MMMMMMM YYYYYY PPPPP RRR XXXX TX XXXX US XXXX : XXXX XXXX : XXXX XXXX MMMMMM XXXX XXXX, LLL CCCCCC XXXX XXXX CL XXXX : XXXX POP Family Sup port XXXX : SHA XXXX : XXXX, XXXX : XXXX, - } { XXXX : { XXXX } { XXXX } } { S : { SAC : } { COP : XXXX } }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Bread Financial Holdings, Inc.
State: MI
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, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false XXXXursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX 

Please remove my number from my credit report thats not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/22 a transaction for {$3900.00} was made using funds from my bank account through XXXX. I reached out to XXXX and they were useless and advised I contact my bank since the funds came directly from my bank balance which i did. I spoke to a few specalists and opened a claim for the disputed amount and submitted legal documents stating I had not authorized the transaction. Chase ultimately denied this claim simply because my name matched the name on the XXXX account ( no duh, it was mine and compromised ). They asked me to provide further documentation depsite not having any and I advised them to reach out to XXXX who apparently refused to provide them with anything of relevance one way or the other as well. Why is it on me as an individual to prove to a multinational billion dollar bank that i did not authorize a transaction beyond submitting a legal document stating I did not authorize the transaction? Isnt the whole point of keeping your money in a bank that it will be secure and protected? XXXX did not submit anything to contradict my claim either meaning I have submitted my own legally binding statement versus absolutely nothing contradictory and the bank still refused to take my side. Im out almost {$4000.00} now because of incompetence. That is completely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax keeps playing games with my credit report. I made some disputes with the CFPB, the information was corrected showing decreases in my balances, and Equifax immediately drops my score by 53 points as retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am on an IBR ( income based repayment ) plan with Navient. In XX/XX/2017 I received a one-time inheritance from my XXXX grandmother in the form of an IRA. Even though I clearly noted on the financial disclosure form that the money was a one-time inheritance, Navient calculated it as regular income and doubled my monthly payment even though my income went down. ( Navient acknowledged that I noted this on the form, but said that because I didn't check a certain box on my form, they ignored my note indicating that it was not income. ) Navient had asked for my financial information many months prior to the end of the year but then waited until a week before the new, incorrect, double payment was due before sending me notification that my payment would be doubling. ( Why would they sit on it for months, and then send the bill a few days before the payment was due? I think it was to encourage me to apply for a forbearance. ) When I called Navient to explain that I could not and would not make the double payment, the agent refused to reprocess my financial paperwork correctly and said that I would have to make the double payment and then reapply with new financial paperwork. I was pushed into applying for a forbearance over the phone by that Navient agent after explaining that I would not make a double payment because Navient made an error. After thinking about it, I sent Navient a letter asking them to NOT apply a forbearance to my account, telling them that I would be making my monthly payment in the proper amount and not the double payment they asked for and asking them to recalculate the proper payment amount in a timely manner. They applied the forbearance anyway and also sent me a letter informing me that because they had applied the forbearance over my objection I was losing my Consolidation Savings Benefit. I objected to this and sent Navient five unanswered letters asking them to address this and fix the problem they created. They have refused to do anything and just send me more form letters. I am now withholding my monthly payments from them to compel them to reply to me. They have at least started answering me now that I am withholding payment, but all they have done so far is tell me no and send me more form letters. I'm pretty frustrated and need some help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: GA
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:
Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX collection agency has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the debt in writing with the company once it appeared on my credit report. I previously had not heard anything about the bill. I found when they send me a copy, that the hospital failed to bill my insurance and also had incorrect address information in their system. The hospital has since admitted fault and has written off their portion. TSI has closed the account based on my communication, but it still remains on my credit report, which is effecting my credit score by more than 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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 tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors. 
Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought a account for my XXXX on this website called XXXX he is false advertising and taking people money & no one is shutting his website down. I gave him XXXX dollars XX/XX/XXXX I contacted my bank they say theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TD BANK US HOLDING COMPANY
State: MI
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:
TD Bank target card is reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened 2 accounts at Citibank. I funded the accounts with checks from a different bank. The next day Citibank initiated ACH transfers from that different bank without my authorization or access information ( account numbers ). They withdrew funds from my other bank without my authorization.

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 2018-06-14
Company: Accelerated Financial Solutions, LLC
State: TX
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:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Accelerated Fin My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Bread Financial Holdings, 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:
For about 6 months i have been receiving an 'Unknown ' call to my cell phone. Up to 10 times a day. They never leave a voice mail so I thought it was just a spam call and was frustrated because I could not block the number. Then I started to get texts to contact Comenity XXXX XXXX RE : XXXX XXXX XXXX starting on XX/XX/2019. Again I thought it was spam. 

Today, XX/XX/2019 they left me a threatening voice mail about the status of my account. And that is was 'escalated status that needed to be repaired in regards to this matter and the decision rendered may directly impact you without a response. ' I have no idea who Comenity XXXX or XXXX XXXX are. I have no account with them, never bought anything from them etc .... 

I called the XXXX number and spoke to someone in their call center. I told them I have no idea who they are, don't have an account with them and asked them to tell me what this is in regard to. They would not tell me anything unless I confirmed my address and last 4 of my SSN. I told them there was no way I was going to give them my personal information and that it sounded like a scam. I also told them that they engaging in Unfair, Deceptive and Abusive acts and that I was going to file a complaint with the CFPB and if they called me again they would be speaking to my lawyer. 

They said they would remove my number and not call me again but I want to make a record of the conversation because I have no idea who they are and if they will attempt to ding my credit or anything else these unscrupulous companies may try to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had two Chase Bank Credit cards closed without my knowledge until I got an alert from XXXX XXXX that they were closed. They recently closed my oldest held credit card and are closing another to which they say they can't reverse now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BARCLAYS BANK DELAWARE
State: NC
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: Investigation took more than 30 days

Complaint:
called XXXX extra points barkleys card in XX/XX/2015 disputed XXXX  for charges on card for returned mdse lied to XXXX lawyers claimed did not receive coins but I was advised by XXXX XXXX  owner received coins and would issue credit but no credit on card

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 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I called the customer care in respect of my debit card that I couldn't activate and a reasonable answer could not be giving to me. i want to know why i couldn't activate it and what can be done to get it activated. your quick response will be appreciated.

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 2019-05-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with Barclays Bank. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting Barclays and was told I need to contact the credit reporting agencies. I tried to explain to XXXX and was told I need to contact Barclays. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.

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