BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: Eagle Accounts Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, and then again on or about XX/XX/XXXX, the child support enforcement agency contacted me about an alleged debt. These debts are in excess of {$30000.00} to date and counting. I have contacted them on numerous occasions in reference to this issue with no resolution as of yet. Attached you can see the efforts I made in good faith to relieve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've made timely payments every month, sometimes 4 times a month because the credit limit is so low + I like the reward points. Still, they seem to " randomly '' but conveniently select my account to verify the funds and if I'm the signer of the checking account to which funds are released. They continue to do this all while taking my money, but when I make more than two payments, it creates a red flag?! Give me extra credit then! They freeze my account, create issues with auto bills, and create embarrassment when shopping at stores because the card declines every they " randomly '' check that I'm the signer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: GA
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:
Equifax has not resolved my disputes and it has been over 30 days. 
XXXX is showing resolved with no supporting information and they have not contacted me via Mail. 
XXXX  is a duplicate of the above issues. 

Al 3 companies have names that I have never used and addresses that I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX  and Experian credit reports. 
on XXXX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.

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 2021-10-22
Company: SYNCHRONY FINANCIAL
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Lowes Advantage Credit Card issued by Synchrony Bank, Acct. On XX/XX/2021 a promotional interest was added to my account in the amount of {$2500.00}. 

1. On XX/XX/2021, I called Lowes to inquire about the interest charge and was informed that the interest charge related to a promotional balance that was not fully paid by XX/XX/2021 and that I had a 30 day grace period to pay the promotional balance and avoid the promotional interest. While on the phone with the representative I made a payment of {$2700.00} ( more than the promotional balance ) and was informed the promotional interest would be removed. I was verbally informed my new balance was just above {$3000.00}. 

2. On XX/XX/2021 I noticed that the promotional interest had been deducted and added back to the account in two separate transaction, having the effect of not removing the promotional interest. I again called and was informed it was removed. 

3. The same scenario occurred on XX/XX/2021 with the effect of not removing the promotional interest rate. 

4. See also XX/XX/2021. Each time Lowes/Synchrony Bank deducts the interest and simultaneously adds the same interest back resulting in the original promotional interest remaining on my account. 
For this scenario to repeatedly occur does not appear to be accidental.

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 2019-01-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi I've contacted NMAC regarding my payment. I've made them aware of the government shutdown effect and have not worked for the past 3 almost 4 weeks. I paid the amount owed for XX/XX/XXXX but somehow hasn't gone through because I haven't received any payments since XX/XX/XXXX. I asked if anything can be forgive being the government shutdown. They mentioned they do not participate in the shutdown and needed to make a payment immediately. I asked if 30 days could be waived because this will effect my credit tremendously, they told the arent able to waive anything and a supervisor told me to contact the three credit bureaus. I contacted all three and they told me it's the creditor obligation to update not the credit bureau. I just want to have some sort of leverage as I've and 800k workers have been effected for this silly shutdown. I would like if they can allow at least an 30 day waiver for XX/XX/XXXX. I will set up automatic payments moving forward. I am desperate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband and I traveled to XXXX over XXXX and XXXX Years. Of XXXX and early XXXX. On XX/XX/XXXX we went on a XXXX rental from XXXX XXXX XXXX, the the ocean was so rough my husband and I both got sick, and two crew members. Also while we were on the ocean, one of the engines blew, and we were down to only one so the captain insisted that he gave us a refund. The captain also had a difficult time parking the boat with only one engine and I have a video to prove that. I also told the bank that. I accepted and the refund was supposed to be for the full amount of {$1700.00}. That charge still has not come off my account. I also had two more charges on XX/XX/XXXX, one for {$250.00} and one for {$500.00} from XXXX XXXX XXXX XXXX. I had purchased a couple of cheap magnets for our son that has XXXX, and instead of them charging me in XXXX they charged me in dollars!! I got ripped off pretty bad in XXXX. I have tried to contact both merchants, and neither one have been cooperative. So I faxed my bank a letter to dispute all three charges. They confirmed that on XX/XX/XXXX they received my notification of possible incorrect debit card transactions on my bank of the west account. On XX/XX/XXXX I received a letter from them from XX/XX/XXXX saying that they had completed the investigation of my case. Bank of the West denied it, said that merchants are independent from us and they bank is not responsible for them for misrepresentations made by merchants from which I choose to purchase goods and services with my card. This is ridiculous when I cant even directly speak with the merchants. These are fraudulent charges, that I did not make and also one that should be refunded because of the horrible experience that we received and we were told we would be receiving a refund. I feel like I have been scammed by Bank of the West also. I have been saving for years to go on this trip. Also having a son that has XXXX and is nonverbal, it was a vacation my husband and I really needed and then to come home and see bank fraud is disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Stillman Law Offices says I owe {$670.00} to XXXX XXXX XXXX XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from Stillman Law Office. I think this is a scam and Im a victim of their false credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Attempted to close XXXX XXXX account, they kept it open on vendor side to add another {$300.00} in late exorbitant interest fees then sold my account to Atlantic credit & Finance, XXXX XXXX XXXX, XXXX, MI 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 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
XXXX. First discovered credit inquiry by Capital One Bank on XXXX XXXX. Initiated a dispute. Called and communicated with Capital One. Capital one representative stated the inquiry will be deleted in 90 days.. The inquiry that I have no knowledge about is still on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently made a complaint against Experian. Now they have added a 7 year fraud alert without my permission. They have denied XXXX XXXX XXXX XXXX and their screening company the ability to do a background Check on me by not lifting fraud alert so that Credit Check and back ground check can be performed. Please contact XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, application number in first attempt XXXX, attempt second time application number is XXXX. Urgent response needed. I spoke with XXXX in Fraud alert for Experian Dept special Services on XXXX at XXXX XXXX. XXXX assured me she would take care of lifting the fraud alert so that verification for XXXX XXXX XXXX XXXX locates on XXXX XXXX XXXX VA could perform back ground check. XXXX has not taken of the matter as of yet. Please assist Urgent!!!! Response needed!

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 2018-11-23
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect a debt it does not ( or should not ) own. I received two parking citations from the D.C. government in XX/XX/2017. Within the requisite time period, I filed a written request for adjudication with the D.C. Government and I received acknowledgment of my challenges to the citations. ( See attached emails from XXXX  XXXX ). The D.C. government informed me that enforcement activity would be suspended and an examiner would  review my challenges. I never received any further communication from the D.C. Government regarding my adjudication request, nor any notice that my tickets were referred for collection ( which is required by DC DMV policy ). 

On or about XX/XX/XXXX, I received initial collection letters from XXXX XXXX XXXX for the two citations ( see attached ). Those letters stated that I could dispute the validity of the debt within 30 days, and I did so in a letter dated XX/XX/XXXX ( see attached ). The letter further stated that upon receive of a dispute, XXXX XXXX XXXX  would verify the debt and provide me a copy of the verification. I did not receive a response to my letter or any verification of the debt. Instead, I received a second collection letter that made no reference to my prior letter. As I explained in my XX/XX/XXXX letter, my tickets were never adjudicated by the D.C. government and therefore the debt is not valid. Collection efforts should be suspended until XXXX XXXX XXXX provides me verification of the debt ( which I believe does not exist because D.C. never resolved my challenges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have multiple cards with capital one either that I signed up for with them or a company that they acquired. XX/XX/2018 I called customer service because I was charged membership fees XX/XX/2018. The representative told me that for the one that was XXXX she could make a rewards card and the one that was XXXX she could make a rewards card because I was paying the fees but not getting anything. I call almost every year about these fees because thats what I was told to do they dont remove them but they look to see if anything can be done or if they can go away permanently. This rep. told me that the 2 cards I pay XXXX on already are their original cards one is a XXXX so its good but the other cards Im paying for can be upgraded to XXXX as well. I asked would the fees be lowered to the standard amount of XXXX and she said no. I asked if the rewards would be back dated to when CapOne acquired the accounts since Id called multiple times she said no. I asked if I could have the prior fees refunded and she said no. 
That makes absolutely no sense. I appreciate her offering me the upgrade but you cant charge me XXXX dollars for an XXXX from XXXX and XXXX for an XXXX from XXXX and expect me to be ok with that. 
I declined because I needed a better resolution. I wasnt transferred to a supervisor. I told her I felt that I was mislead by several representatives and that I was deceived and that the treatment was very unfair but she was not empathetic at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : 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 2021-07-12
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today is XXXX yet my XXXX  credit report is showing information from XX/XX/XXXX. Neither of the other two credit bureaus are showing up to date information either. This is problematic because it's showing more than double my actual balance on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.

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 2018-03-16
Company: IQOR US INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  attempting to collect money not owed by me. this debt has been disputed with all three credit bureaus and was removed in XX/XX/XXXX when it was reported by a different collections agency. I was then reported again in XX/XX/XXXX again it was disputed and removed by a 2nd collection agency. Now reported in XX/XX/XXXX by a 3rd collection agency removed by XXXX and XXXX for a 3rd time but now XXXX somehow after removing it as invalid/fraud, they are stating it will remain on my XXXX, This is not my debt i have never had nor lived at the service address reported by Allied Interstate. how can this company keep reporting this invalid account to my credit file after it has been removed 2 times previously. 

First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX  Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, OH 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 2018-02-01
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is concerning the misrepresentation and inaccurate amount of interest that I was charged for my non-interest portion of my Home Depot Credit Card, both by Home DepoXXXX representatives ( manager ) and Citi Bank representatives. 

when I made a charge for a non-interest portion of my Home Depot account iXX/XX/XXXX ; My wife and i were told from the Home Depot manager, that when i make our normal monthly payments that EVERYTHING above the minimal payment duewould be applied to the non-interest portion of my account. That was not done! 

When I realized it ( 10 months Later in XX/XX/XXXX) was not being deducted from that portion of my account I called Citi bank and told them to deduct what they were suppose to each month and they told me they would. I also told them to deduct what should have been applied from the previous 10 months, I was told they would .They Never did! So Citi Bank Representative also mislead me. 
in XX/XX/XXXX my balance was {$3300.00} i paid {$220.00} my balance should have been {$3600.00} In XX/XX/XXXX they added {$2100.00} in interest. that brought my account to {$5900.00} If they would have deducted all the payments that they agreed to do I only should have a Balance on the non-interest account of {$810.00} so there is noway i should have been charged that amount of interest! 
When I called Citi Bank to get this rectified I spoke to a Supervisor. he told me it was to late to make the proper adjustments to my account. 
I have in the folder for you a written Breakdown sheet of all my payments and dates showing what should have been applied to the non-interest portion of my account.I also attached the XXXX statement that shows my Previous balance and the ridiculous amount of the interest applied. I have copies of all my statements i did not attach them there are to many. but if you need them I will send them to you. 
I have continued to make payments. These adjustments must be made.This is clearly Predatory Lending. Thanking you in advance to sort out this matter.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello All, XXXX  Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed 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 explanation
Consumer complaint received 2018-02-01
Company: Aldridge PIte Haan, LLP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against me

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