BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
A few years ago, I took a cash advance out on my Discover credit card to pay an employee. I knew the interest was higher but was unaware of Discover 's scheme to raise the balance of the amount charged the higher interest rate.

To keep it simple, I noticed the amount seeing the higher interest rate was about double what I borrowed for the cash advance. I called Discover and asked their reps about what I thought was happening and they assured me the cash advance balance was not increasing. But, it was. After several more phone calls, I realized what Discover does. If I have a {$5000.00} balance, {$2500.00} cash advance and {$2500.00} purchase balance, and make just the required payment every month, Discover takes the payment and applies the entire amount to the
purchase balance. Then, they take the interest and apply it to the cash advance balance so that, over time, the entire balance could be charged the typically much higher interest rate. This was not made clear when I took the cash advance. It was not made clear when I called the call centers. In fact, the call center reps found it impossible in many cases, to explain the process and it wasn't until I finally reached a supervisor who confirmed what they do. I said I
felt I should get some kind of a refund of the interest charges and that I would record the phone calls to prove that even their own reps found their process confusing. I was told I would not get the refund I wanted and that I, under no circumstance, would be given permission to record their conversations.

But, I now have a balance of about {$5000.00} and the entire balance is being charge the interest rate of close to 30 % and the required payment is actually lower than the total amount of interest being charged. So, the balance is growing every month. While I would typically pay it off immediately after realizing this, duri
ng the pandemic I have limited funds and feel this is an unfair and unclear scheme to get more money from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Good night! I am making this claim, because the Bank of America has doubled the charges on my account, for no apparent reason, I had a faith account now and one debit. I had to close the one now, because they charged me monthly, {$4.00} dollars for the savings account and the same amount for the debit account. 
In other words, they automatically deducted {$9.00} dollars from my accounts every month for having these two accounts with them, the same person being the owner of the account and not using the savings account, simply because they said it was for maintenance. 
I contacted them and tried to fix the problem and they only told me that they couldn't do anything, that they were company policies, because I had nothing left but to cancel the savings account and only keep the debit account, because it was a lot of money a month. They only agreed to cancel the account and gave me no other option.

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 2023-02-14
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The previous debt collector company did not respond to me my request for the original agreement, last payment date, and notes of the last communication to XXXX staff of my departure before they release the phone code to the new company. I also disputed the amount through XXXX XXXX when it appeared on the XXXX side. After a few months, they removed it. Now there is a second debt collector, Source Receivable Management ( Ref # XXXX ). I have responded to them through the mail that this is also a fraudulent amount from XXXX because XXXX  business practice is to pay the balance in full before they can release the phone number in question. Im requesting your help with this. How many times do I have to go through this process when I dont owe this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX turned me down for a lease on a new vehicle, stating that EQUIFAX ca n't give them a credit score, due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This acct was a secured XXXX XXXX card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: FIRST ADVANTAGE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On the background report I received from you it states that I did not report my criminal background, but I did report it on the application and it in the note on your background report, but it still says that I did not report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: SYNCHRONY FINANCIAL
State: MA
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 disputing this account present in my report because of its inaccuracy. I have contacted them multiple times but everything is getting nowhere. All I want is to have this account removed because I know that is justice. The information reported in this account does not match the bureaus reporting it, too many different information though it is only a single account.

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 2023-02-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was fraudulently opened in my name. {$2300.00} was charged to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CKS PRIME INVESTMENTS is reporting a debt of {$710.00} ... I XXXX XXXX have never had a contract with CKS..This is fraud and nothing more. CKS could never be a creditor as banks and financial institutions dont lend money or credit.

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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account on XX/XX/2022 and it said it was because of suspicious activity while i open the account on XX/XX/XXXX XXXXWhat I did was getting the tuition fee of XXXX dollars from my family and receive XXXX  from my friends. They closed my account and did not give my money back through check which they should do. I had called them and asked them but then they said it was because of fraud so they can not give me the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an online account with SunTrust in the amount of {$75.00} on XX/XX/XXXX XXXX After being processed I was sent an email days later stating I needed to make a deposit which {$50.00} of the {$75.00} was suppose to go to my checking and the other {$25.00} was to fund my savings .I had not received a debit card nor the check when I made the first deposit of $ XXXX.XXXX. A second deposit of {$79.00} was made on the XXXX and a 3rd deposit of {$29.00} was made on the XXXX. 
Thursday morning as I'm checking to see if the 3rd deposit has post, My account has been restricted and it's instructing me to call the 1800 number listed. With no warning, email or call I find out my account is closed. After speaking with several representatives no one could tell me why my account closed.With no access to my funds I'm left waiting for an investigation on my account and no way to get my funds. I make my money by double gig jobs and that was the only money that I have..That money was to fund grocery for my daughters, and pay the balance a {$30.00} remaining balance on my electric bill .... I don't have anyone I can turn to for financial help ... ... this has really inconvenienced me, as I had already taken a major loss with COVID-19.

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 2023-02-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XXXX XXXX XXXX PROCESSED my credit card payment incorrectly .... They didn't make a payment instead tried to reload my credit card... You can't reload a credit card ... .. it's not a debit or prepaid card... .The store personnel is rude and threatened to call the police department because I'm asking about my money..This been going on since XX/XX/XXXX XXXX I've made XXXX calls and stops at the store and is being denied service/help ... My credit card company said that they PROCESSED the payment incorrectly... Provided them with the letter an that's still not good enough...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Balance of {$340.00} from XXXX. The policy was canceled It has been open since XXXX XXXX. Now this is in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX2017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can barely read or right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.

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 2019-10-17
Company: Innovis
State: OH
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: LEXISNEXIS
State: OH
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has attempted to get me to pay a debt that I settled directly with Capital One Bank back in XXXX In summer XXXX, during a pandemic, they somehow reopened my settled debt with Capital One Bank and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: National Check Resolution Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by National Check Resolution on XX/XX/19 screaming at me and threatening to sue me or damage my credit if I did not pay immediately! I was terrified so I agreed to settle the debt for {$1000.00} dollars beginning on XX/XX/19 paying {$75.00} every 2 weeks. They took payments on the following dates all in the amount of {$75.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last payment should have been on XX/XX/19 in the amount of {$55.00}. No payment should have been taken after XX/XX/19 as the debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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:
TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of identity theft and have been suffering punitive damages due to XXXX XXXX XXXX in the amount of {$3200.00} on XX/XX/2015 this account is fraudulent. It has been reporting my Experian! I've mailed out an FTC report # XXXX multiple times without a resolution!

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 2020-10-21
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI SOUTHWEST CREDIT SYSTEM ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: OH
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, account number XXXX XXXX has violated my rights. 

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 an account without my written instructions or consent.

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 2019-04-21
Company: Equitable Acceptance Corp
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Equitable acceptance increased my apr from XXXX to XXXX and they have notified me of this change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2020 Fedloan Servicing deleted student loans from my consumer credit report as a result of not being able to properly validate the accounts. I have contacted Fedloan Servicing via mail on XXXX of 2020 notifying them that I am deserving of remedy under the Fair Credit Reporting Act, 19 U.S. Code 1681b and years of defamation of character.

Company response to consumer: Closed with explanation