BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: CITIBANK, N.A.
State: CA
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:
I opened up the acc in XX/XX/XXXX With Citi. When I opened the acc I called to confirm that this card was 0 % interest for purchases and balance transfers. The person I spoke to confirmed that yes the card was 0 % interest on purchases and balance transfers for 18 months. Come XX/XX/XXXX I cave and interest charge for about {$180.00}. I called to try and fix it and they said they would send it to people above them and I would get a call or reply and I never did. XX/XX/XXXX comes along and I have another interest fee for about {$170.00}. I call again to resolve this problem ans they said they still are working on it to investigate. It is now XX/XX/XXXX and there is another fee for about {$180.00}. I can't continue to get all these interest fees that I can not afford just because the representative gave me the wrong information about the card. I called again they see nothing on theie end, there is no dispute or any investigation that they can see. It's just an ongoing cycle of calling ans them telling me I will get a call back to resolve this issue. I need to either remove the 3 charges and I can pay it all off the card by doing a balance transfers to another company or they can transfer me to one of their companies but I can not pay these fees that I inquired because their employee gave me the wrong information. If I would of known they were gon na charge interest rate right away on purchases I would of applied for one of their cards that actually have 0 % interest or a diff credit 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 monetary relief
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: NV
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:
Someone got a car in my name from the SAME company I have a car with now. I found out they opened this account before I got my car so I 1st of all don't understand how I was even able to open an account when the person who stole my identity was already in default in the car they had in my name with the SAME company. Also after having this company send me the contract and paperwork it isn't even MY social the person used. They used my address, date of birth, and name but a TOTALLY different social. HOW is that even possible? I filed a police report and an identity theft report and disputed it with all 3 bureaus. XXXX and XXXX deleted it IMMEDIATELY so they CLEARLY did their research and seen it isn't even under MY SOCIAL. Equifax deleted it as well and then a month later ADDED IT BACK which makes NO SENSE to me and has me LIVID. I have 3 auto loans on my credit report that are all in GOOD standing and never been late. This is not even something that I would do and should not be held liable for something someone put in my name and a different social. It obviously wasn't me if the social is incorrect and it should be the company 's fault for even opening an account in my name but a different social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Conduent Incorporated
State: GA
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 have called everybody and spoke with multiple and I still haven't received a card for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Perfection Collection
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a response to complaint number XXXX ... I didn't sign a contract with XXXX, I signed a contract with XXXX so not sure why I would owe a company money that I didn't sign a monitoring contract with. Also I NEVER received a bill from XXXXs and XXXX is the company that interrupted my service in XX/XX/17 for non payment when all along they were endorsing my checks ... so there is confusion somewhere and I should not be held responsible for XXXX 's mishaps. Who is XXXX??? MY CONTRACT CLEARLY SAYS I SIGNED A CONTRACT WITH XXXX NOT XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THE PAYMENTS WENT TO THE COMPANY I SIGNED A CONTRACT WITH : XXXX!!!! 
AGAIN, I am attaching the one and only XXXX contract I signed, the service interruption notice, and the payments I made with the company I signed a contract with : XXXX!!! Again, explain who XXXX is as I did not have an alarm monitoring contract with any other provider than XXXX. So there is clearly an ERROR somewhere!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions 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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

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 2019-02-22
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A collector named XXXX from a company called XXXX contacted me on XX/XX/2019 at XXXX. I told him I was at work and he could call me back after XXXX. He said no to that and told me he was going to take legal action against me. After he spoke to me he called my mother on her cell phone and at her work. I have never given any company my mothers work phone number. He told her that they were going to file legal action against me. I called him back on XX/XX/2019 at the phone number he called from XXXX. He said he had called a great many people about my account. When I tried to speak to him about this matter he hung up on me. He would not give me the name of the company he was calling from. He did tell me on the XXXX that he was collecting on my XXXX account. I had to call and speak to XXXX to find out who they sold the debt to. I then tried to call XXXX at the number XXXX gave me XXXX. I was put on hold after I told them that I thought their collection policies were illegal. They then hung up on me. I have now sent them a cease and desist order and a letter.

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 2019-02-22
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Some time back I had obtained a payday advance loan. Due to some financial issues, my check was likely returned but I never was contacted about the issue. A couple years later I start receiving phone calls from an unknown number saying they are trying to locate me to get me processed with the county. They are calling anyone that is listed as a possible association using public record data and not utilizing the references I listed when I obtained the loan, telling them there is an action pending against me with the county, making it sound like its a criminal action. I asked them for their company name and mailing address but they refuse to tell me, saying they are the Proceedings Office

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and I have a Home Equity Loan with PNCBank.

The interest rate is a FIXED Rate at 2.89 %. I went online yesterday to our account.

After doing some online bill paying, I opened up our Home Equity Loan account.

I clicked on the tab : Payment Details to see the amounts we paid in interest for the year XXXX for our taxes. I noticed something really strange. The amounts that we paid in interest and the amounts that we paid in principle didn't seem right. They were going up and down up and down. That shouldn't be with a fixed rate. I contacted PNC Bank to find out why this was happening. I spoke with 8 different people. They kept transferring me to someone else. Something is going on and it's NOT right. Please help us. I have printed out the proof dating back to XX/XX/XXXX up to XX/XX/XXXX. Maybe you'll be able to get to the bottom of this. We are not able to. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was made to Nordstrom Credit card on XX/XX/XXXX for {$500.00} dollars for XX/XX/XXXX payment. The payment was processed for XXXX instead. Which showed a double payment in XXXX. 
Upon calling Nordstrom I was told by a rep the money would be refunded to my bank account so I could make the payment again and have it processed on a different date. 
The {$500.00} payment was not reversed or refunded! When I reached out to Nordstrom after waiting for more than week they then shifted the information! 
The credit agency has more than enough options to fix this and they are not! 
My account is paid on time every month properly. 
They would not change due date or accommodate the issue they stated would be corrected!

And I was advised by Nordstrom to contact bank and lie, like this is crazy.

Easy fix being made more difficult

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper, without my authorization, withdrew {$1900.00} from my checking account on Monday, XX/XX/XXXX. Then four unsuccessful attempts on that same day, causing NSF fees toatally {$140.00}. Then Thursday, XX/XX/XXXX, it happended again. {$1900.00} unauthorized withdrawl and four NSF fees ( {$140.00} ).

Monday transactions were refunded back to me, end of business that same day. Thursday 's transaction have not been refunded back to me. I have called Mr. Cooper and escalated the issue. I am still waiting to have my money returned to me. My checking acount now has a negative balance. Mr Cooper needs to be held accountable for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2020, WFDS add a hard inquiry on my credit report per XX/XX/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 2019-02-22
Company: American First Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2018 I was approved for XXXX instore line of credit for XXXX XXXX XXXX store. I purchased a mattress set, dresser and livingroom set. my total. was {$1600.00}. I was told I had 101 days to pay off with no interest. i was told I can contact XXXX XXXX XXXX told to adjust my payments to be paid off in the 101 days, as they ach withdraw the payment bi-weekly. I called immediately to set up the necessary payments to be paid off I was told that they don '' t adjust payments and I have to tell the how much I want my payment to be. I was confused because that is not what I was told instore. I ask for my payment to be {$200.00}. I was told that the next 2 payments would be for {$200.00} and I would have to keep calling back to change the payment. Again not was I was told instore. 

On my payroll date I saw the minimum payment was withdrawn of {$130.00}. I called the company XXXX XXXX XXXX again to see what the problem was and was told the same thing. requested the payment to be {$200.00} again. This time one payment of {$200.00} was withdrawn and then the payment went back to the minimum. I called again to have the payment adjusted. The same thing happened again the minimum payment was deducted. I called again and asked for a Supervisor, the same scenario again. I asked the payment to be adjusted and the minimum payment was still deducted. 

I feel like this is a scam to keep you from being paid off in the 101 days. I called again and asked for a supervisor and she explained the same thing. I complained that I have made several attempts to pay {$200.00} but my request is not being processed. she stated that I could have paid online and I explained to her that to avoid any mistakes I wanted to call and speak with a representative to ensure my payments were made and processed properly. She continued to sate the process which has never worked from day one. She extended my pay off by 1 week and advised that I would be charged {$4000.00} in leasing fees if not paid if by XX/XX/XXXX. This is absolutely crazy to be charged {$4000.00} in leasing fees when I did everything I could possibly do to adhere to the 10 day pay off option. This is a scam to charge astronomical amounts of excessive fees. This should be illegal.!!! I'm disgusted at these practices and something needs to be done about this. PLEASE HELP ME. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX American First Finance 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 2019-03-16
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In mid to late XX/XX/XXXX, Contract Callers, Inc. phoned my home on two to three times, first asking for me by name and I confirmed my name to them. Then they asked me to verify my address. I asked who was calling and why was my address necessary. They refused to give me any information or identify themselves ; instead stated that they could not say why they were calling until I gave them my home address. I refused and hung up the telephone each time. In XX/XX/XXXX, I discovered that Contract Callers, Inc. had placed an alleged debt on my credit report on XX/XX/XXXX. I never received a letter to dispute or confirm this alleged debt in the mail. In XX/XX/XXXX, in an attempt to settle this violation, I sent a letter notifying Contract Callers , Inc. that a complaint would be filed against it for violations of the FDCPA and FCRA if we could not negotiate some type settlement. An attorney for the company responded by saying that there are no violations, ( copy attch ) with a convenient copy of a debt notification letter to me dated XX/XX/XXXX, a date of two days after the debt was reported by Contract Callers , Inc. on my credit report. I have found that this company has a pattern of this type of practice with numerous complaints posted on the internet.

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 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from Capital One dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from XXXX reporting a date of XX/XX/2019 and an XXXX report number of ( XXXX ). In which, the XXXX  report does not show my current Capital One Credit card reporting. There is still a major disconnect between XXXX and Capital One. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with Capital One and XXXX both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An  immediate resolution is required at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit card bill number does not match my credit card number. The payments that I had made were deducted from my checking account but not credited to the credit card payment. In addition to this the mailing address of the credit card bill does not match the mailing address of the Macy ' s Department Store for my billing.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was opened fraudulently on XXXX/XXXX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective 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 2023-02-05
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states a consumer Reporting agency can not Furnish a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states that no consumer Reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not Furnish any information relating to a consumer to any consumer Reporting agency of 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 explanation
Consumer complaint received 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
LAST YEAR MY CREDIT CARD WAS STOLEN/ LOST WHEN I WAS VERY SICK WITH THE XXXX AND IT WAS CHARGED WITH ONLINE TRANSACTIONS. I DID NOT RECOGNIZE THEM AND I SAW THOSE TRANSACTIONS IN MY CREDIT CARD ACCOUNT OF BANK OF AMERICA, I CONTACTED THEM AND AFTER I RECEIVED A LETTER OF THEM AND I RECEIVED A CREDIT FOR THOSE FRAUDULENT CHARGES. ON XXXX I SENT TO THEM A POLICE REPORT BUT THE BALANCE OF {$2.00} PLUS FEES NOW IS {$2.00} STILL THERE, SO, I CAN NOT PAY FOR FRAUDULENT CHARGES

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 2020-09-09
Company: EQUIFAX, 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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation