BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Good Night, I purchased furniture at XXXX XXXX XXXX, they offer me a Credit Card from Comenity Capital Bank, they offer me 12 month financial without 0 % interest, they only said that then will be charge 29.74 %, I finish paying but somehow I get behind on the last payment which I complete few weeks later, they are charging me extra money and they didn't stop, they said I have to pay the interest of the full loan even that I have done the old payment which are like XXXX form the original XXXX because that's on the contract, I spoke to them and I explain that I never receive that information, for me is unfair, I signed into digital screen and didn't receive any verbal no written information about this, only they said that It will be 29 %, they said that there is nothing that they can do and in order to stop doing more charges I have to pay the full amount. they usa a sister to remind you when to pay but actually they remind you when you are already past due. I need to first get in to a fair solution and then close the account with this bank I have never had problem before with any kind of credit. I also going to send the only documentation that I receive when I open the credit card. Thanks a lot Have a good night

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Self Financial 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:
On XX/XX/2019 I opened an account with self.Inc ( self lender ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of 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 2020-11-21
Company: Experian Information Solutions Inc.
State: CO
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 need Experian to change the name on my credit report from my maiden last name ( XXXX ) to my current last name ( XXXX ). I submitted every document requested by them ; they said that the despute has been taken care of ; however my name STILL appears as my maiden name ( XXXX ) on the results report. I need this changed in order for lending companies to pull my credit in order to purchase a house and they are directly messing up my ability to do this. Also it is almost impossible to speak to a human at Experian, and they make everything extremely complicated. I need this issue fixed asap ; and I have given them every opportunity to do so, and they still do not fix the issue I have asked them to.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid down considerably on this account from XXXX XXXX  XXXX, XXXX, XXXX, and Experian are reporting incorrect information. The balance is now XXXX and it should reflect that.

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 2019-03-12
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Went to dealer to buy car coming off lease. They said to buy direct from XXXX XXXX. We were told a week to 10 days. We paid it off and provided a mileage statement. That was over three weeks. Different story every time you talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XX/XX/2020 I sent CapitalOne a settlement letter and check in the amount of {$810.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 CapitalOne cashed the check and the check cleared my bank. As of XX/XX/2020 the tradeline section of my credit reports is still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. CapitalOne has not honored the terms of the settlement they agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Over the last 21 months, I have on time payments to XXXX XXXX XXXX. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions

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 2020-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
- XX/XX/XXXX : I leased a car from Toyota. I successfully paid off all the lease payments on time. Except for once when there was a technical glitch on their system but the payments were immediately made- despite that they report my account to credit bureaus. 

- XX/XX/XXXX : I went to return the car to XXXX XXXXXXXX  XXXX XXXX. They tried to lease me another car and inflated rates but when I declined their offer- they refused to take back the delivery of the vehicle. Saying that due to Covid they didn't have parking space available for it. They asked me to come back at the end of XXXX by then there will be space. I told them that I won't pay any additional lease because I don't want to keep this car anymore. 

- My car was leased for XXXX miles for XXXX  years but I had only availed XXXX during this tenure. 

- XX/XX/XXXX the car was returned to XXXX XXXX XXXX XXXX. The delivery document was also received from them. 

- XX/XX/XXXX : I received a letter from Toyota that I have returend the car on XX/XX/XXXX and there are charges to be paid. These are all frivolous made up charges to which I never agreed. 

- All this time I have been reaching out to Toyota by phone and their online portal but they never attend these calls in the name of Covid and don't even return these calls. They did call me twice to collect the car but they never showed up. 

- XX/XX/XXXX : They send me another fraudulent bill adding lease termination charges. The fact is the lease came to end with all the payments made on time. {$560.00} for outsanding lease and {$380.00} for lease termination. Here 's an article of how Toyota is exploiting customers in the name of Covid https : XXXX - Internet is flooded with Toyota 's fraudulent malpractices, blackmailing consumers to continue taking vehicles from them or they slap them with these never agreed charges. I never applied for lease extension and in fact I had to pay three months of insurance from my pocket- which I want Toyota to pay me. 

- Toyota is harrassing me and spoiling my credit history with credit bureaus by wrongfully and fraudulently manipulating the contract that was ended and reopened with the extortive courtesy of credit unions. 

Other Toyota 's lillegal acitivities https : XXXX? XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As of XXXX XXXX my Chase Bank Military checking Account has a overdrawn fees of {$61.00} and derogatory remarks on my account ending # XXXX that needs to be removed. 

I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my 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 explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Document submission for complaints : XXXX # XXXX, TRANSUNION # 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 explanation
Consumer complaint received 2020-11-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I Have a used vehicle loan with Banco Popular XXXX XXXX XXXX, Puerto Rico since XX/XX/XXXX. I live with social security income, due to XXXX ( mental health ). I had to pay monthly partial payments due to my low budget. Also, another personal loan with the same financial institution. But since XX/XX/XXXX I was being intimidated with multiple calls, letters, threats with my credit status, ultimatums to SEIZE MY CAR. For months I made countless calls, visit the branch, emails, asking for another options or alternatives ; I begged for refinancing, extended payments or payments plan, vehicle replacement for a cheapest one, even for a loan renewal, neither the COVID-19 Emergency benefit. The bank keeps refusing help me, they just want their money included delay charges or the total balance of the unit for a loan due date of XXXX. Yesterday XX/XX/XXXX, I received another threat letter that I have to pay {$1100.00} in five days, or they seize the unit. I can not deal with this anymore, having XXXX and panic attacks and my mental health deterioration. I tried everything to settle an agreement with the bank but unsuccessfully. I AM BEGGING HELP, PLEASE. 

LEASE HELP, I AM BEGGING 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 2023-02-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Debt Collection named in the complaint ( Credit Control LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named Citibank NA as fraudulently opened and closed which no further collection attempting such have continued under the law. 

I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.

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 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One Card. I get my statements by email, have for years. I get a notice that my statement is prepared and I go online and set it up to pay before the due date through my bank. Then I get a notice a few days before due date. Have done this for years. In XXXX I did not get a bill or any notice. I had a large refund on there I knew from an insurance policy so I knew it would be a while to draw down the credit. Did not get the first or second notice. Also didn't get notice of my XXXX statement. Went on line in XXXX and saw that they prepared a statement in XXXX and never sent it to me. They hit me with no payment fee of {$25.00} and interest. Also my XXXX statement was on there from a week earlier. I keep all my emails and went back thru them and I did not receive any emails from them in XXXX or XXXX. I checked by name and by the dates of their statements going before and after a week on each. No notice. I quickly paid XXXX and called them today XX/XX/19. I spoke to a person named XXXX who said that they are having problems with their computer system and it has had a good bit of downtime. Seems odd that I missed two notices for XXXX and one for XXXX. Said he can't due anything about the interest and a supervisor said the same thing. They can't explain why I didn't get billed and aren't concerned that it is still happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: Bread Financial Holdings, Inc.
State: MA
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:
My account was as opened on XX/XX/2019 with commodity-Bank / XXXX card MasterCard awards with a {$5000.00} credit limit I paid my first statement and four went to make another payment statement they close my card for too many inquiries as Ive never been late I think they are doing illegal and unfair business practices and they should definitely be investigated Im not the only person who has had this issue with this bank. Actually ruin peoples credit by what their business practices are doing with what theyve done they dropped my credit 100 points and I think it should be reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-08-11
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: BARCLAYS BANK DELAWARE
State: HI
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:
Barclay 's XXXX XXXX credit card is charging interest in excess to those disclosed. Instead of charging interest on my remaining balance each month, they are charging interest on the value of my remaining balance PLUS the balance of all purchases made during the next month. 

For example, my credit card bill in XX/XX/2019 was $ XXXX and I paid off {$4400.00} ( I am rounding number here to make my example easier ). My remaining balance was {$600.00}. In XXXX, I charged $ XXXX on my card. The interest charged on my XXXX bill was on {$9600.00} instead of XXXX! 

I reviewed the disclosure on my bill. I have a XXXX degree and I don't understand it. I can't imagine what others think when they read it. My friend worked for the CFPB as an examiner and told me to file this 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 2020-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/XXXX and XX/XX/XXXX i contacted capital one 360bank about the funds not received from the bank which are {$1900.00} on XX/XX/XXXX I received a letter which is attached that states in 7-10 days they would mail out a check. They have not mailed out any check as of today XX/XX/XXXX. I have contacted XXXX that employee who has issued the letter and left a message. no return call and also the bank which direct me to her again and again not response from this employee. the bank has not illegally been holding my finds for over 18 Months now. I want my check mailed to me within the next week or I want this bank to be help accountable for the actions taken. I have been more than patient on this matter and I have a letter directly from a previous complaint stating they would mail a check and they still have not. Please step in and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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