BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: RI
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 am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX  XXXX Account Number : XXXX Date Reported :XX/XX/ & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for XXXX : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express extralegally closed my checking account and globally reduced my credit limits for no valid reason in violation of my credit agreements with them. 
When questioned a Customer Service employee cited " something we found in your credit '' No deragatory information was found in any of the four credit bureaus and no deragatory information was found in XXXX XXXX. 

Additionally, I have never been late in my 19 year history with American Express. 

I provided income information and it was ignored and I can not reopen a business or personal checking account with American Express. 

The only remedy is the restoration of my account and reversal of any adverse action namely the XXXX point loss caused by the cut in my credit limits abd the resulting increased ratio of debt to available credit. 
I am requesting that a letter of apology on American Express letterhead be generated stating that they have reversed the reduction of my credit limits globally thereby restoring my debt ratio to pre damage standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX XXXX XXXX am, the consumer in fact 15 usc 1692a ( 3 ), natural person. 
CAPITAL ONE keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ). 

CAPITAL ONE failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ). CAPITAL ONE keeps demanding payment, and keep taking money from my account CAPITAL ONE made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ). 
CAPITAL ONE have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ). 
CAPITAL ONE monthly statements showing a positive balance, constituted a Billing Error pursuant to 15 usc 1666 ( b ), failed to include a statement of extension of credit. Failed to disclose the creditor. 
CAPITAL ONE willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish, and I am being denied credit. 
CAPITAL ONE is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ). 
False or Misleading Representation by CAPITAL ONE pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt. 
CAPITAL ONE failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ). 
( See attached file )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXX based on a quote of {$1000.00}. However, I was charged {$1300.00}. I was overcharged by {$290.00}. Capital One is refusing to help me get the charge reduced by {$290.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started noticing increases to my private student loans after I was eligible for the reduced interest rate program. I was paying {$360.00} a month when I was in the reduced interest rate program for 15 months and once I was no longer in the program the next payment was {$540.00}. Then the following month my payment increased again to {$570.00} and then again to {$570.00}. These slight interests every month has made it harder for me to save money for emergencies. It seems as if after leaving the reduced interest rate program the loaner has slowly increased my payment to make up for the money they were losing from when I was paying a reduced interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After this whole Equifax leak, on XX/XX/17 I sat down to freeze my credit. My complaint is that Equifax STILL CHARGED ME MONEY to freeze my credit meaning that they PROFITED OFF OF THEIR MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed {$2100.00} from someone through XXXX. XXXX couldnt help me, so I went to my bank to try and dispute the transaction. Wells Fargo said there was no processing error of the disputed transaction. Of course there was no error of the processing, the issue lies in the fact that I never received the service I paid for. I should be entitled to a refund.

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 2023-10-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I opened a New lease with Nissan Motor acceptance Corporation for a XXXX Nissan XXXX for a 36 month lease. In XXXX XXXX XXXX traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to NMAC. I received an end of lease liability statement from NMAC for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from NMAC for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called NMAC in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted NMAC in XXXX & XXXX. I asked them to remove the XXXX XXXX XXXX  late payments from my Credit Report and any Negative terminology. The letters from NMAC indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: CA
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 tried several times, since XX/XX/XXXX, to resolve the issue with Equifax. They have me labeled as being deceased through XXXX from XXXX. I provided that information back in XXXX and they took it off my report, then recently they put it back on my report. They did a dispute and at the same time I call XXXX and they sent out a letter stating that I was not deceased. On XX/XX/XXXX, Equifax sent me a letter stating, " The account is currently not reporting as deceased. The following fields have been modified : *additional information *stats *balance *type of loan. '' I'm trying to refi my house and can not due to being labeled as deceased. I've made multiple calls and all of them tell me it's going to take 30 days for the dispute. I've waited over 90 days to keep getting the same results. I talked to one agent who was actually helping me before I was sent to a survey and eventually disconnected. This is also hurting my credit score, at no fault of my own. It's obvious Equifax is not going or willing to help me resolve this issue so I can move on with my life. I need someone else to step in and resolve this for me as soon as possible. As a consumer, I am entitled to my credit score and allowed to authorize who I see fit to run that report, but Equifax is preventing me from doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my student loan was forgiven per XXXX and StudentAid.gov. 

Yet, XXXX still reports this account as open, in fact, on XX/XX/XXXX, XXXX reported to credit reporting agency Equifax that the account is still open. 

This is not correct information and reporting the account as open when it is not, is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: SC
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 USC 1681.

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 explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-09-07
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of the debt. The company sent me a screen print of the purported debt from its own computer system. It has not sent me any contract between myself and the alleged original creditor, and it has not provided me with any statement sent to me by the creditor. I do not owe this debt, and a screen print from the company is insufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I received an email from Citibank on XX/XX/XXXX to sign up for a new Citibank checking account and receive a {$200.00} welcome bonus by opening the account and depositing {$3000.00} within 30 days and maintaining for 60 days. I made a deposit of {$3000.00} on XX/XX/2021 and it is now XX/XX/XXXX. I completed my requirements right away and after messaging and calling the bank they're saying they have no record of my account being attached to this offer. I have a PDF of the offer terms that I saved when I applied and I attached it here. The bank is refusing to issue the offer which is a breach of contract. Please help!!

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 2022-09-08
Company: EQUIFAX, INC.
State: TX
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 fraud address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas i have 7 inquires on my equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is account fraud account XXXX  XXXX  for amount {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-07-14
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2021, I closed my Citi Checking Account ( ending in XXXX ) and Savings Account ( ending in XXXX ). This was done over the phone, and I have a screenshot showing both of the accounts were closed. At all times prior to closure, I maintained a balance sufficient to avoid a monthly fee, and no fee was charged at the end of the XXXX statement cycle. Sometime thereafter, without my consent and without providing any disclosures to me, Citi re-opened my Citi Savings Account ( ending in XXXX ) and charged a fee of {$30.00}, which overdrew my checking account. Citi appears to have reopened this account for the sole purpose of charging me a fee, which is unfair and deceptive as I did not request or consent to the re-opening of my account. The fee was charged on XX/XX/2021. I contacted Citi through chat on XX/XX/2021, and I was assured that the fee would be reversed, and the account would be closed. I have a screenshot of the chat conversation and of the account showing the credit for the fee. I assumed that the problem was corrected, but I received a letter dated XX/XX/2021, where Citi exercised a right of set-off against a different Citi savings account to transfer {$30.00} to the closed account. I have no idea how they came up with {$30.00} given that the account should have been closed and the amount of the fee was only {$30.00}. 

I am extremely concerned that Citi is re-opening closed accounts without consent or disclosure for the sole purpose of charging inappropriate fees and exercising its right to set-off.

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 2023-07-12
Company: HYUNDAI CAPITAL AMERICA
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:
The finance company still shows a balance and open account when 2 months ago the account was paid in full according to the finance company.

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: AMERICAN EXPRESS COMPANY
State: MO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Our business has a longstanding relationship with American Express and we run millions of dollars worth of business through them. For many years I have purchased XXXX XXXX {$50.00} pre-paid gift cards to give to employees as gifts. I usually buy $ XXXX worth at a time. They come in individual sealed envelopes and we give them as gifts in these envelopes. This year we had a number of people tell us that, when they went to use the cards, they had already been used. I can't imagine how many other people were too embarrassed to even tell us they had this problem. After extensive phone conversations with XXXX XXXX it was obvious that they would not rectify the situation. I explained that their computer system must have been compromised as these cards were never out of the envelope before they were gifted. They told me that I should get the cards back from the people and contact the stores where the cards had been fraudulently used. I was incredulous that this was their response. I stated that I wasn't even going to ask them to cover the cost I incurred by having to pay these people with cash when their cards failed to work. All I want them to do is take back the unused cards we have and replace them with new ones that work. They said they would not be willing to do that and would not refer me to anyone else in the company to appeal this decision. They could not have been less interested in our problem. Looking online it is apparent that many others have experienced the same problem.

Company response to consumer: Closed with explanation