BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX bank said I had a charge of {$20.00} that the payment was late. I called them to dispute the item and they kept giving me the runaround. I had no issue paying it but nobody seem to help they charged me a late fee of {$25.00} which brought the leap payment now or {$45.00}. I paid the item and they keep giving me a run around about the different dispute. Put a late payment on my credit report for 2 months. when I have excellent credit and no debts I want those late payments removed. I dont know what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Please see the complaint in it's entirety that is the first attachment to this complaint. 
This Complainant filed a complaint with this agency. The Bank responded by making false and misleading statements which contradicted the written contract between us. It was clear, from their response, their investigations were based on assumptions rather than investigation. This agency relies on truthful statements from both the Bank and the Complainant. The original complaint was closed as a result of false and misleading statements submitted by Chase Bank. The Complainant has attached the written contract so that the discrepancies between the contract and the Bank 's responses based on that contract are clear. Complainant is having to file another complaint due to the escalation of issues since the last complaint was closed. Please see the details as outlined in the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This morning at XXXX XXXX  I got an alert from XXXX  that a capital one Quicksilver card was opened in my name. I didn't open this account and I also got an email from capital to my email about the card. Also had a second alert from XXXX XXXX XXXX about a hard inquiry for a card with them. I'm not sure if that one went through or was blocked as I had locked my credit with XXXX. I have also now locked it with XXXX  and made a credit dispute with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: MA
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:
These acounts and inquiries were found on my credit report : Accounts : Worker 's XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2020-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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: Investigation took more than 30 days

Complaint:
This complaint is about a company called credit acceptance I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the credit acceptance people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. Credit acceptance just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me XXXX XXXX interest as a resident of XXXX  when you can only charge someone XXXX XXXX   above prime for used car loans in XXXX. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.

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 2019-12-03
Company: Experian Information Solutions 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:
On XX/XX/2019 I had sent a letter there certified mail to Experian concerning previously disputed items. I had sent it certified to ensure it was received. The letter requested the method of verification and name of person contacted along with any documentation with my signature showing I have a legally binding obligation to the debt. According to FCRA 611 ( a ) ( 6 ) 9B ( iii ) I have the right to receive " a description of the procedure used ''. 

I received a letter dated XX/XX/19 from Experian which did not meet any of my request. It stated that everything was verified by the furnisher and will not be reinvestigated. A copy of my report was sent to verify no changes made. 

These items should not be on my report and needs to be deleted. E-Oscar is an unacceptable form of investigations and case law verifies that it is an unreasonable method of investigating. FCRA states the investigations must be reasonable. If they are unwilling to cooperate correctly then I will be forced to take legal actions. I am in strong hopes that it won't be necessary and they will see there errors and submit to my requests in the letter I had sent them through certified mail.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas 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 2023-08-30
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
Santander Consumer is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that Santander Consumer is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX  ( Account Number : XXXX ), Santander consumer is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. Santander Consumer is continuing their deceptive and predatory lending practices even after being fined. 

Santander Consumer is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
In XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: W&A Intermediate Co., LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received a phone call from Wakefield Collections. I was told I owed a debt for two Dr visits in XX/XX/XXXX. I told the representative I didn't know what they were talking about and asked for them to send me proof. I was informed they don't send info, I'd have to send an email and request proof. I was given an email address and sent email. I never received a response. 

In XX/XX/XXXX, I received a call from Wakefield. I was told I owed a debt, knew I owed a debt and was just refusing to pay. I told representative I wasn't going to pay a debt that I didn't know anything about and I had requested information in XXXX. Representative told me, we will get the money from you, you don't have to pay, but we will get the money. I told Representative I will not pay a debt that I know nothing about and with no proof. Representative told me it was mine and why would he lie? I told him he'd lie because he wanted money. I told him I was asking for proof and if they didn't send proof, it's not really my debt. Representative told me they didn't need to send me any proof, it was my debt and I needed to pay. I told representative, send me proof I owe debt and I'll pay minus interest and fees. 

The dates for service coincide with dates I went to XXXX, but I was on a payment plan with hospital and was told everything I owed was in payment plan. I went to XXXX in JXX/XX/XXXX. I never received any bills for Drs and never heard anything about owing money until Wakefield called me in XX/XX/XXXX. 

I filed a complaint with my State 's Attorney General. Heard back today and they closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It appears that my credit with has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. If CREDIT BUREAUS feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ;

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: LA
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:
FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: auto loan not mine XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
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

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 2019-10-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage and XXXX  XXXX XXXX continue to push the envelope attempting to defraud the consumer. 
Shellpoint Mortgage continues to state XXXX XXXXXXXX XXXX assessed the disputed charges of {$2500.00} in XX/XX/XXXX. I have attached copies of our account history and the transactions posted history neither of which supports Shellpoint Mortgages claim. Shellpoint Mortgage assessed those charges to our account subsequent to XX/XX/XXXX which is the date they purchased and transferred our mortgage. 
Weve been told this is a Forbearance Fee, recording fees, filing fees, late fees and inspection fees, etc.. This is just another indication they are attempting to defraud us. 
Shellpoint Mortgage continues to tell us this is a non-interest bearing fee and has no impact on our account. However on XX/XX/XXXX they sent us a NOTICE OF DAFAULT AND INTENT TO ACCELERATE. On XXXX XXXX our XXXX payment and the disputed amount of {$2500.00} was outstanding. Weve been told these fees are not considered past due and will not trigger a default. 
We should not have to hire an attorney at our expense to defend ourselves against blatant attempts to defraud us and take our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank 's contract with XXXX expired XX/XX/19. Comenity closed all of their XXXX credit card accounts. I was late I admit a couple times and comenity kept adding extra fees to the account. I was making my monthly payments as agreed, but they were still charging interest and fees as if the account is still open, so the balance kept rising instead of going down. I contacted them and questioned it and by then the monthly payment was higher and I told her I couldn't afford what they were asking that I could pay my original {$25.00} mo. Long story short. My balance was under {$500.00} when my account was closed it is now {$730.00} and they want a min. of {$180.00} mo. due on a closed account so I couldn't pay it. I will be glad to pay what I owed when the account was closed. How can comenity close all of their accounts when their contract ended and charge you ridiculous fees? Its gouging the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
My Amex consumer credit card limit of {$11000.00} was reduced to the balance owed ( {$3500.00} ). Thus making the credit card balance due immediately as this tactic now makes the card 100 % utilized therefore negatively effecting my consumer credit score. 

I have made minimum payments due consistently. 

I was not given notice of this decrease in advance nor did Amex seem to take into consideration the implications that lowering the limit would then jeopardize my consumer credit score. No warning was given, just a email defining a lowering of the credit limit. 

Amex does not intend to allow me to pay the balance to reclaim my original limit.

Company response to consumer: Closed with explanation