BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and 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 2018-06-06
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked Collection Consultants of California to stop reporting on a medical debt for 1 ) it violated HIPPA and 2 ) it was past the statute of limitations in California, which is four years, and they can not try to collect a debt that is beyond four years old. They have refused to do so and are still trying to collect the debt. Therefore, I am making another complaint against them. It is against the law to collect a debt that is beyond the statute of limitations and violates HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Continental Finance Company, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/12 my father received a phone call from an unknown number stating that I would need to contact them at XXXX in reference to a court appearance. I called the number, and was told that the client was taking me to court, but he could reach out to his client to see if they were willing to settle. He asked me several personal questions such as my employment, my tax bracket, the amount of my tax refund yesterday, and my dependent status. He then said that I could settle with his client. The client sent me an agreement via email. They told me I would need to fax them my debit account number to XXXX XXXX XXXX, then call XXXX XXXX XXXX immediately to ensure it was received. I asked them to mail me a validation of debt to my mailing address they refused saying they did on XXXX, which I have not received anything from this agency. I asked more questions to XXXX, asking for the location of her company, and the address she provided me with was for an assisted living complex.XXXX then told me that I needed to stop emailing her because she is and accountant and to call XXXX.XXXX. I let them know that I was at work and would not be able to call them, they said it didnt matter and only had to the end of business day to take care of it or they would be suing me. I did my research and contacted the original grantor, and received the proper agency the debt was sold to and it was NOT this agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX of XXXX, I was involved in a very serious, traumatic car accident for which I am surprised I made it out alive. My insurance company at the time, XXXX XXXX XXXX, failed to deem my XXXX XXXX XXXX XXXX totaled because allegedly I had a payment retracted from them from XXXX. Not only was I not made aware of this, there are several other issues for which XXXX never tended to : 1. I sent SEVERAL faxed messages to verify that XXXX FULLY covered my vehicle due to it being financed for which they failed to respond to. I gave my lawyer from XXXX, XXXX XXXX XXXX the faxes to verify that these corresspondces did in fact occur. 

2. I was told in XX/XX/XXXX that XXXX Auto Insurance DOES NOT offer full insurance in my area. By failing to explain this, or responding to my inquired mentioned above, XXXX prevented me from obtaining insurance from a different company that could cover the vehicle fully. 

3. Being told that the vehicle was FINANCED through SEVERAL faxes, XXXX failed to contact Ally Financial to mention the vehicle was covered by them. 

4. Through several EMAIL messages on Ally 's client portal AND phone calls, I inquired about insurance SEVERAL times with no response/answer that deemed my vehicle not to be covered correctly. 

5. Even though my INSURANCE COMPANY should cover the expenses from this accident, ALLY 's contract states that FINANCED or LEASED vehicles w/o proper coverage will be subjected to automatically being covered by THEIR insurance policy for which the customer must pay for. This should be implemented IF XXXX 's lies and fictitious claims are allowed to occur. 

6. Between Ally and XXXX 's illegal tactics, lies, and straight refusal to settle the claim has caused the GAP INSURANCE company not to be able to payout the difference owed. 

7. I never received a Policy Declarations page until my lawyer demanded on in XXXX of XXXX, after the accident!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have this account that was suppose to be with 0 % in paid off at a certain time. The interest rate and fees was different that I supposed when I purchase some items. 

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card line of credit has been reduced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Investigation took more than 30 days

Complaint:
ITS BEEN 60 DAYS AND I HAVENT RECIEVED CORRESPONDENCE FROM EQUIFAX. I AM SUFFERING CAUSE THESE INACCRUCIES ARE BEING REPORTED ON MY CREDIT. EQUIFAX NEEDS TO FIX THIS PROBLEM ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
OnXX/XX/2023 I opened a Capital One account taking advantage of a promotion ( XXXX ). I immediately deposited {$100000.00} into the account. Per the promotion, after 90 days, I was to receive a {$1000.00} bonus. I met all the requirements for the bonus : 1. new account ; 2. deposited funds within 15 days ; 3. used the promo code ; 4. maintained {$100000.00} balance for 90 days. 

Since the bonus did not show up in my account, I called Capital One today ( XX/XX/XXXX ). I talked with XXXX ( ID # XXXX ). She agreed that I met all requirements. But, stated that the bonus review team needed to review this and the bonus would be applied to my account by XXXX XXXX, which would be 6 months after I opened the account. This is contrary to the agreement when I opened the account which was that I would receive the bonus after 90 days. 

XXXX indicated that the Capital One webpage provided this time line. But, she agreed that this information was not sent to me because I was not a " targeted customer. '' She made a case file for me and said someone from the bonus review team would get with me within 45 to 60 business days. She said my only other option was to send a letter to Capital One by U.S. mail and someone would respond to that within 30 business days. 

All of this seems like a delaying tactic and a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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: Their investigation did not fix an error on your report

Complaint:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/17, XXXX XX/XX/17, XXXX XX/XX/17. How is that accurate? 

There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$350.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account is charged off and should not be listed as revolving. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

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 2018-04-14
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXX I mailed notice to close my credit card account and refund my security deposit on an expedited ( with in 7 days ) basis as described on the website.

I received notice from XXXX  XXXX   dated XX/XX/XXXX my letter was received and my account was closed.

Today is XX/XX/XXXX, over two weeks, and I still have not received my security deposit refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
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:
Since the beginning of XX/XX/XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: ERC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I needed to pay property taxes on time to avoid fees and tax increase. I had funds in Chase Bank and contacted Chase to assist me with this payment : on XX/XX/18 spoke for 16 minutes, on XX/XX/18 at XXXX XXXX I made a tax payment, then spoke with Chase to double check that payment would go through 5 times : at XXXX XXXX, at XXXX XXXX, at XXXX XXXX XXXX XXXX, at XXXX XXXX, at XXXX XXXX. 
On XX/XX/18 they called me at XXXX XXXX to inform me that I can not make property tax payment with them since they do not allow to make tax payments and will contact the XXXX County to cancel the payment, then I transferred money to another bank to pay my tax on time. However later I learned that payment still went through and there were no funds as I transferred the funds. 
As the result I was hit with over {$6000.00} NSF fines. Then I contacted Chase executive office asking them to either pay that fine or provide me a letter with detailed explanation of their error which I still did not receive. I spoke with XXXX at executive office at length, I only asked her to send me a letter with the response, she talked a lot I could not even understand what she was explaining. I never sent me her explanations on paper.. 
{$6000.00} is a lots of money, I made payment in good faith, I had money but Chase misinformed me as the result I am subject to a huge fine where I am at no fault. I have to work for 3 months all days long to make that payment and Chase has created hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Comerica
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have a direct express card to receive payment for some one im payee for. Their payment card expired and im supposed to get one sent automatically. They never sent it. I tried calling all day from monday XX/XX/XXXX to wed the XXXX it kept saying its a high volume of calls. My recipient ended up calling ans gtting through on threeway. The lady ad she would expesite the card after i ecpressed my issue with them not answering she confirmed my address and phone and stated the card would be expedited for XXXX and and she confirmed my phone number and said she would send the tracking number ... and tht the card would cm friday on Friday nothing came so i waited Saturday nothing came now its Monday and nothing has come. I can not pay bills or buy hygiene or food for my recipient.. i have called all numbers available and everyone tells me to call XXXX they are to this moment saying theres a high volume of calls and it hangs up i dont kno what to so but to keep calling ive called 103 times today already and last week im sure i called 1000 times..i dont kno what else to do so i figured id file a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29
Company: LEXISNEXIS
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good day. I called my bank XXXX XXXX XXXX XXXX  ) to increase my withdrawal limit on cash advances as well as atm transactions. They require an identification with personal information along with a set of 4 questions operated by lexisnexis. I apparently answered one of their questions incorrectly according to their records. The complaint is 2-fold, I answered the questions correctly so either the person at the bank made a mistake or their data is flawed. The 2nd portion of this is the item that I am most concerned about, one of the questions asked was which of these people do I know. I didn't know any of them but, asking this type of question and storing this type of data about me is wholly inappropriate. I suspect that this is the question that I answered incorrectly against their records but for identification verification this type of question should not be asked and should not be considered good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have an on going problem with PayPal Credit. The issue is that PayPal Credit improperly credits payments to my account in an attempt to prevent me from paying off special financing purchases they offered not to occur accrued finance charges for that promotional offer This is not a mistake but a deliberate attempt and practice of PayPal Credit to collect finance charges on those promotional purchases they are not owed. In other words, they assess finance charges when the promotional balance would have been paid off by the excess payment amounts I made during the billing period in excess of the minimum payment for that billing period for promotional finance offers where the balance would of been easily paid off with my excess monthly payments making it impossible to pay off the promotional offer without paying any finance charges like they advertise.. Instead of properly crediting the oldest, expiring offer they ALWAYS credit the newest offer that does not expire for months! I have experienced this numerous times over the past two years with PayPal credit. They always have an excuse as well. One time I call they say the excess payment must be included with my minimum payment. The next time they state it must be made in two or more separate payments. .I 've spent hours of the phone with them and they always say they will corrected and they will send it to research to have the payment reallocated... Well in the few instances where it was reallocated it happed they " conveniently '' make the payment adjustment the next day AFTER they have assessed finance charges on the entre promotional period. I've neve dealt with a bank where customer service agents have to send every account adjustment off to another department and take 3-4 weeks for for the actual adjustment to be made and even then they still assess the finance charges for their '' mistake ''. The reason is that it is not a mistake! PayPal Credit intentionally engages in business practices that are akin to loan sharking where it is impossible to pay off promotional balances using the payment system they have in place. This is intentional and deliberate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RE3SULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPOSE

Company response to consumer: Closed with explanation