BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: VA
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX That is a huge difference XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting un-verified accounts on my credit report I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2020-06-23
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/20, I attempted to make a minimum payment of {$35.00}. I was never advised that the payment was returned because of an incorrect number entry. 

When I attempted to make the minimum payment on XX/XX/20, I learned that the minimum payment of {$35.00} attempted on XX/XX/20 did not go through. No notification was made of the failure of the XX/XX/20 payment. 

When I called on XX/XX/20 to have the {$29.00} fee for returned check ( it was an online payment ), I was told that it could be reversed. In addition, I was charged interest of {$0.00}. 

On XX/XX/20, I paid the outstanding balance of {$1000.00}. 

On XX/XX/20, I was charged an additional {$0.00} minimum finance charge. On XX/XX/20, the Customer Service rep reversed the {$0.00} finance charge but not the {$29.00} returned check fee or the {$0.00} interest charge. I also requested that the account be closed. The offer was to give me discounts for future purchases.

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 2020-04-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied to have my cosignor released XX/XX/15. My credit score is XXXX and I have the income and debt ratio to sustain the loan without the cosignor. I can not get a straight answer from Navient. Each time I call and talk to a different person, I get a different answer. All of my payments have been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint is in reference to Transunion Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Transunion Fraud department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Transunion the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX # XXXX ... XXXX XXXX # XXXXI was told by Transunion according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Transunion the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent 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 2019-06-21
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts on my report are not mine. Also some personal information on my credit report is not accurate.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that XXXX is XXXX   people by reporting false information. If this can not be resolved i will take legal action.

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 2020-09-25
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XXXX i submitted a dispute of a collection account that appeared out of nowhere with the name XXXX XXXX XXXX via Equifax with confirmation # XXXX. On images attached you will see that dispute is still categorized as " under investigation '' but it is day 33 already and counting. It is clear that Equifax are in violation of my rights as a consumer and am requesting legal action for this account to be removed immediately from Equifax and all other credit reporting agencies such as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a certified letter, tracking number XXXX, with these concerns on XX/XX/XXXX. I have not received a response back. 

My name is XXXX XXXX - a Capital One customer since XX/XX/2020. I have a current balance of {$420.00}, despite paying, and having posted, four separate payments. I am writing to request the following actions be taken : I am immediately credited for all of my posted payments, totaling {$270.00} USD, including interest and fees. 
Any misinformation is corrected with all three major credit bureaus. 
I am put back in the 5-month program to gain a higher credit line. 

I received four Payment posted confirmation emails between XX/XX/XXXX and XX/XX/2020. These emails are confirmation of Capital One 's successful receipt of these payments. 

Email One | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$25.00} that was posted on XX/XX/2020. 
Email Two | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$190.00} that was posted on XX/XX/2020. 
Email Three | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$25.00} that was posted on XX/XX/2020. 
Email Four | XX/XX/2020, XXXX XXXX to XXXX, talking about a successful payment of {$32.00} that was posted on XX/XX/2020. 

Let me know if you need any further information. I can be contacted at XXXX, or at ( XXXX ) 7XXXX. Stay safe with this COVID-19 stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian removed a freeze on my credit bureau permanently when I requested a temporary lift as I was applying for credit. Experian does not provide a toll free telephone number that allows a person to speak with a human being unlike the other credit reporting agencies. I want a toll free number that allows me to speak with a human being.

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 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital one has caused all kinds of problems since Ive had this credit card, really bad customer service, lied to constantly treated very badly, disrespectful employees, constantly transferred from departments to departments, Ive had this credit card for over a 1 and half not one time have they move this over to a unsecured credit card but I have made every payment on time and Im advance I have paid off purchases every time I used my credit card, no one wants to help, every time I call I get hung up on I want the company to reach out to me because there customer service is just that bad, I ask for help I get wrong information Im tired of it and Im just about to close my account with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank is PNC bank over the course from XXXX of this year to XXXX they have reversed credits they gave me while doing investigations on fraudulent activities. Upon further investigation of my own looking at my bank statements.The bank has deducted over {$900.00} worth of fees ( their wording reversals ) too many! Some of the charges were duplicated and even tripled! When I asked for proof of documentation by a representative of how these fees are valid I was told they would get back to me and they have yet to do so! My phone wont let me download more pictures but I have more evidence to support my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Monterey Financial Services LLC
State: NJ
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:
In early XXXX XXXX XXXX called me in hopes of recruiting me into their company. I spoke to XXXX for 2 hours and he asked me about the reason I attended a business seminar called XXXX XXXX which is how he got my number. XXXX explained to me that this mentorship offered by XXXX today would help me elevate my business and told me that I was purchasing a business mentorship. They initially changed me for {$19.00} as an initiation fee. On XX/XX/XXXX was the day i had my first meeting with my mentor XXXX. After talking with XXXX, I realized that this was not a business mentorship as promised, however is was a class based on the law of attraction On XX/XX/XXXX I called to talk to XXXX cancel because this was a bait and switch. I called to have the mentorship cancelled. I spoke to a customer service representative and explained to them that I was promised a business mentorship, however I received a laws of attraction class. They opened an investigation and promised to get back to me.I continued to follow up weekly with various representatives with no conclusion. Finally, I spoke to a representative, XXXX about 3 weeks later and he confirmed that I was in fact misled by my sales rep, however they said it was too late for me to cancel. As an alternative they offered to reassign me to someone else. I explained to them that I felt scammed and would not like to continue with the program and would just like my money back or to simply have them cancel the mentorship and future billing. They refused and say I am out of the 3 day cancellation window. I believe this is never unfair because I didn't even have my first session within those 3 days to know whether I wanted to continue the program or not. 

The Class was for 1 year {$4400.00} which I could not afford the one time payment so they offered me a payment plan. I accepted and am now paying {$160.00} for the next 36 months totaling {$5800.00} On XX/XX/XXXX I received a phone call from Monterey Financial Services saying that if I do not make a payment there will be a negative credit report reflecting on my credit record. I have tried to call them numerous times today on XX/XX/XXXX to try to dispute the billing but was fortunate enough to get a hold of someone. What " XXXX XXXX '' is doing is fraud and I would like help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been diagnosed with XXXX XXXX at age XXXX. This last year I had XXXX XXXX of my XXXX  removed and had XXXX XXXX XXXX. I was and continue to make the payments on my credit cards, but the interest is now ~26 percent and the monthly bill is {$370.00}. I have three Chase credit cards. I paid one off completely and explained to Chase via phone call and through their website email service that I intend to pay off {$12000.00} by XX/XX/2019 when I receive my bonus check from my employer. This amount is guaranteed, not fictitious or contrived. Despite sending medical proof from XXXX XXXX XXXX Hospital that I am recovering from an aggressive XXXX /XXXX and making a promise to pay, they will not assist me. Moreover, my most recent payment, despite being paid on time was not deducted from my balance. Rather, new interest was added at the same time the payment was made, making my account still over the {$12000.00} credit limit. Not only will Chase not help, but they are hedging against me. I am requesting, as a single mother of XXXX children, a citizen, born in the United States, with no criminal or motor vehicle record of any kind, for the help of this federal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, Transunion, and XXXX  is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning 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 2020-04-30
Company: EQUIFAX, INC.
State: PA
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan in the amount of XXXX from spotloan on XX/XX/2019. Since then I have been making biweekly payments in the amount of XXXX. To date I have already paid them around 1000.00, and In checking their website is says my payoff amount is XXXX. That would be almost 2000.00 I paid to recieve XXXX. I have contacted them to see if there is some type of settlement that they would accept, but havent heard from them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Researched balance transfer card offers. Read terms and conditions of AMEX Everyday Credit Card. Available terms online, regarding balance transfers specifically, are 12 months 0 % APR, {$0.00} balance transfer fee. Agreed to terms. Applied for card. Was approved for card. Called AMEX to transfer balance. Was notified that card has a balance transfer cap of {$7500.00}. No Terms & Conditions available online or presented during application process indicate a cap exists. Two ( 2 ) AMEX customer services representatives ( call center + supervisor ) admit that this term is not provided online. Also admitted term applies to all AMEX cards. This particular term is presented in the T & C that are mailed with the card. I would never have applied for the card if I was notified of this cap before applying. Now my credit score has taken a hit and I have to go find another card that does not have a balance transfer cap. I have canceled the AMEX. I have no use for this card.

Company response to consumer: Closed with explanation