BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Good Afternoon, I received a XXXX XXXX XXXX  as an award from my employer. When I went to use it for the first time today, I became aware that the balance was {$120.00} instead of the {$150.00} as expected. I called XXXX XXXX XXXX who has up to an hour customer service wait time. After getting a hold of an agent, they stated there were charges from CA. I live in CT. They said they would need to open an investigation that would take 45-90 days. I said in the mean time can you give me a new card as this is a gift card and not a debit card or credit and I have never used it? They said no. They were obviously compromised and nothing I did wrong on my end. As I spoke with the agent, i started to wonder if this is a legitimate company? I asked to speak with a manager and they put me on a long hold and then hung up. I tried to call back and could not get anyone. I even looked on XXXX for management and could not find anyone. It funny that I work in fraud and have never had an issue with a debit or credit card but I get a GC as an award and its compromised. Their customer service is horrible and im sure i am not the first complaint and i am looking for help in retreiving a new gift card with the original balance. 

Sincerely, XXXX XXXX XXXX Last 4 of the card:XXXX Email sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday XX/XX/XXXX at approx XXXX, I got a call from XXXX XXXX XXXXXXXX. The call started with we are getting ready to file a judgment against you. I asked for what. They told me I had a Chase Bank charge card from XXXX - XXXX ( I NEVER had this card ). As soon as I explained to him that they nerver read me the required mini mirandas, and that they are threatning me with a lawsuit on an out of statute debt, a debt I never had in the 1st place. They put me on hold, then hu on me. This is their company URL https : //mathews2mathews.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is without a doubt one of the most unscrupulous ones out there. I have constant issues with them especially with regards to them failing to apply payments, changing due dates, adjusting available credit weeks after payments already cleared.

I was enrolled in 3 different programs for covid been there for 8 years never late and i paid as well based on their directives and they reported me late for XXXX and XX/XX/2020. Never been late in 8 years didnt start now. 

Just because they repeatedly lie about it i started screenshots of everything nightly. They are now saying i didnt make a payment before XX/XX/XXXX which you clearly see attached i made the payments and more and they fraudulently added on a late fee yet again. They also have yet to refund a cancelled transaction from XX/XX/2020 which is just how they are - beware

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL 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 2020-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a XXXX student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CONTOUR MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have contacted XXXX XXXX XXXX ( nmls # XXXX ) on XX/XX/2023 afternoon and explicitly asked him to see if I provided all the paperwork he needs, would he be able to provide me with a Loan Estimate the same day and lock in as well as i am on a time crunch to close a property that i am purchasing. 
He has assured me multiple times that he can do that. He send me an email requesting all the paperwork and I sent him all the documents right away. After reviewing all the paperwork, he again assured me that he can provide me with a loan estimate within the day and we can lock in the rate at the same time. He also performed a credit inquiry at about XXXX XXXX on that day and once the report came in again assured me that i will receive a loan estimate within an hour. 

Then he said his boss XXXX XXXX ( nmls # XXXX ) would call me shortly. Since then i have asked XXXX XXXX numerous times over last week to see if his boss will call me and if he can get me a Loan Estimate so we can move forward. 

As off today, XX/XX/2023 XXXXXXXX XXXX i did not receive any Loan Estimate and XXXX XXXX kept telling me his boss is a busy man. 

XXXX XXXX and XXXX XXXX have completely neglected my urgent need for a mortgage and wasted about a week of my time. 

I have all the screenshots of our conversations and will be happy to provide if needed.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-24
Company: FREEDOM FINANCIAL NETWORK
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
So I obtained a loan through Freedom Plus back in 2019 for around {$8400.00}. I was paying normal and on time before the pandemic hit. Since the pandemic hit and my store closed down temporarily. My income and unemployment was inconsistent and not enough and I asked for some help. They did help me for first 3 months deferring payment. I asked for further help ask again my income was inconsistent. They required Bank Statements to look over my finances. Other lenders did not ask for this and gave me more help as they understood the times. All 6 other companies I've worked with regarding my debt did not ask for this but FP. 

I am not one to give out bank statements to seek if I qualify for help. I've always found myself being declined help everytime someone looked at bank statements as a means for helping people. I then went back and forth with them over a period of time trying to get help. They did help one other month deferring payments but I still had to pay. My store opened back up and I was able to pay as income was consistent again. However I found myself not able to catch up and found myself being late. While trying to not hurt my credit i've been paying just under the 30 day late mark. They haven't charged late fees which does help but they are instead CHARGING ME EXTREME AMOUNT OF INTEREST. So out of my monthly payment, {$20.00} is going towards the prinicpal. I've asked for ways to help me get back on track now, will not do any more. I was out needing to quarantine, Paycheck was hurt temp., wont help no more. I won't use this loan company no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Open Dealer Exchange, LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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: Information belongs to someone else

Complaint:
On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my XXXX XXXX by almost XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found an outstanding balance of {$1100.00} ( dated XX/XX/XXXX ) on my credit report from National Credit Adjusters ( NCA ). Their website is https : //ncaks.com/ Exhibit A. 

XX/XX/XXXX I wrote NCA a letter asking for specific information. Exhibit B 2 Pages. 

XX/XX/XXXX They replied with a copy of the contract from XXXX XXXX XXXX XXXX XXXX. The contract has no date, no amounts, no repayment schedule, etc. In short, the contract is completely blank except for a signature. Exhibit C - 8 pages. 

XX/XX/XXXX I then responded to them, stating they eliminated most of the information I previously requested. Exhibit D 1 page XX/XX/XXXX XXXX sent me some of the information but not enough for me to make an informed decision. XXXX also sent another contract ( different from the first ). How can they do that? Exhibit E 7 pages. 

It looks like my signature but without the rest of the information, I cant determine what Im responsible for paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had no knowledge of these accounts. Someone opened this account fraudulently under my name. Please remove this fraudulent account off my credit report. I'am a victim of identity theft, I've filed numerous police reports regarding this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-25
Company: National Credit Adjusters, LLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX National Credit Adjusters LLCXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid 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:
Card : Care Credit/Synchrony Bank I received the card offered by my XXXX XXXX office. I was making payments over the min balance when I noticed that the balance was not decreasing as it should have. I called CC and was told about the interest of {$220.00} and another interest of {$790.00} due in XXXX. I would not have known about this if I hadnt called about the balance.

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 monetary relief
Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have recently ( XX/XX/2019 ) requested to Bank of America 's credit card department to issue a new Travel Rewards card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from Bank of America on XX/XX/2019, my XXXX credit report shows 2 hard inquiries from Bank of America. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries. 

Please remove the 2 hard inquiries and increase my credit score accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Kohl 's repeatedly calls my phone number looking for someone who has not lived here for 5-10 years. I have told them that and asked them to stop calling me, but the calls persist. 

For example, Kohl 's admits that they called me on XX/XX/XXXX about XXXX XXXX. They admitted that I requested at that time that they no longer call me looking for someone else. Yet, on XXXX/XXXX/XXXX, at XXXX XXXX, Kohl 's agent named XXXX ( # XXXX ) called me looking for someone else. 

I am tired of the repeated harassing calls. I have never had a charge account with Kohl 's. This has been going on for years. I want it stopped. 

Note : I have never had a Kohl 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On about XX/XX/2019, ,I Applied For A Personal Loan Again And Was Denied For The 20Th Time, ,I Really Don't Understand Why I Keep Getting Denied,,?? Yes Did Send Me A Credit Report Of The Agency To Contact But When I Call These Companies They Would Not Give Much Help,, Concerning These Matters, ,I 'm Very Disappointed About This Matter, And XXXX XXXX haven't Not Did They Job, ,Now I Have Complained About This Problem Before And Still No Help, ,Now I Know Do Some Type Of GOOD Credit To Be Able To Receive A Personal Loan, ,What Happened To My Credit?? That Is The BIG Question?? I'm Starting To Believe This A Form Of ( DISCRIMINATION )!!!!, ,How Can This Company Get Away With This Matter,!!!! My Opinion I Really Think This Company Is Responsible For Fixing This Matter, ,This Very UnAcceptable!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: TN
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 and XXXX  have removed the inaccurate accounts on my consumer report, however, Equifax refuses. I have police reports, FTC reports and everything they need to show this information is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent a letter to lvnv funding on XXXX-17 and didnt receive documentation of accounts. the a fdcpa violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: International Computer Systems, Inc.
State: MO
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 HAVE NEVER HAD AN XXXX XXXX ACCOUNT EVER. I HAVE XXXX XXXX. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX XXXX FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.

Company response to consumer: Closed with explanation