BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
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: Unexpected increase in interest rate

Complaint:
I opened a credit card account with a 0 % intro rate in XXXX, XXXX. On my first statement ( dated XX/XX/XXXX ) was the following information : " Enjoy your 0.0 % intro APR on all purchases and, if included in your offer, balance transfers, made until XX/XX/XXXX. After that, your balance will be charged the variable APR noted in your account terms. '' On my XX/XX/XXXX statement, the interest rate disclosed was 0.0 %. The balance was {$18000.00}. I had been carrying a balance throughout the introductory period. The point of getting the card was the introductory period. I completely paid off the old balance on the account by XX/XX/XXXX and made an additional payment on XX/XX/XXXX to pay off all the new charges made on the account since the XX/XX/XXXX statement. My XX/XX/XXXX statement showed a {$0.00} balance. Except for {$280.00} in interest charges. I tried, in vain, to get Capital One to reverse the interest charge. They explained that to avoid interest, I would have had to have had a {$0.00} balance on XX/XX/XXXX. To me, I felt like the information my first statement meant that whatever balance I had on XX/XX/XXXX would be treated as if I had made a purchase on XX/XX/XXXX for the balance. Interest charges would then accrue IF I did not pay off the entire balance. But I did. 

Since I completely paid off not just my XX/XX/XXXX balance by the XX/XX/XXXX due date, but also all new charges before the XX/XX/XXXX cut-off date, I expected there to be no interest charges. 

I have paid the interest charges to avoid further complications. And closed the account out of frustration and the feeling of being deceptively cheated out of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: CA
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:
I have reached out to XXXX many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-10-25
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
In Accordance with the fair credit reporting act XXXXt account number 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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:
I mailed Equifax a dispute letter via Priority Mail on XX/XX/2020 and they picked up the letter from the post office on XX/XX/2020. It has been more than 30 days since they received my dispute and they have NOT completed the investigation. 

I have proof they received my letter and I have proof they are still investigation. The investigation should be completed within 30 days from hen they received my dispute, according to the FCRA. I have attached proof of my original letter with tracking number, the tracking confirmation of delivery from USPS, and the follow up letter I sent on XX/XX/2020 Please note : I DID NOT SUBMIT ANY ADDITIONAL information to grant them an additional 15 days. 

They are in violation if the FCRA and I plan to file legal action if the items I disputed are not deleted immediately from my credit report. 

I'm also demanding a updated copy of my credit report reflecting the deleted accounts I disputed. 

I demand all accounts I disputed in my XX/XX/2020 letter be deleted from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
To whom this may concern, Please remove the following accounts from my credit report. Ive been a victim of identity theft and fraud. I hired a credit repair company paid them and havent received anything so Im trying this on my own please help Ive been trying to refi my house and this has been stopping it from moving forward can you send me an email confirmation please I dont have anymore time to waist thank you Chase XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX chase was open XXXX, 2018 the rest opened XX/XX/2018 TOTAL = {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Mortgage Loan OfficeXXXX can't access credit report

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 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
I sent a dispute in writing to Experian, XXXX and XXXX asking for an investigation into an inaccurate debt collection account. 
( I have attached details of the account in question. ) The 3 bureaus have not only failed to respond within 30 days, they are also continuing to report inaccurate information on my report regarding this account. I demand that this account be removed immediately.

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 2020-09-14
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We have both lost our jobs in XXXX, yet we were able to pay our XXXX payment with our savings. Our payment was due on XX/XX/2020. On XX/XX/2020, Flagship began calling us. We explained one of us would begin a position XX/XX/2020 and the other on XX/XX/2020. We did not know at this time what our first checks would be on XX/XX/2020 ; however, we would have rent due and would do our best to make a payment on XX/XX/2020. Flagship has been calling EVERY DAY since XX/XX/2020 to both of us. The one who began their job on XX/XX/2020, lost her job due to her phone constantly buzzing at her desk due to the harassment from Flagship. I have been receiving phone calls from Flagship when the other borrower would not answer. I kept explaining to them that we do not have the money at this time, we do not know how much we will have on the XXXX, please to quit calling as it will cost us our jobs. On Sunday, XX/XX/2020, XXXX from Flagship called once again. I advised him that the other borrower has lost her job thanks to them constantly calling her and I start my new job on  Monday, XX/XX/XXXX. I am turning off my phone during my work hours since I can not afford to lose my job. I do not know how much we will have now since we will not have a full check from the other borrower. I was hanging up now since I was very upset with the treatment from Flagship. XXXX threatened me with " don't you dare hang up on me - I have control over your vehicle and can stop you from going to work ''. I disconnected the call.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fruad Account reporting on my credit reports. 


1. XXXX XXXX {$2600.00}

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 2022-11-29
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls from Aldous and Associates. They keep calling me with the same message of " This is XXXX XXXX calling from Aldous and Associates - either reach out to him or XXXX XXXX. '' I looked up Aldous and discovered it relates to a health club debt. 

I have NO record of health club debt. I do not know why they regularly call me. They have provided ZERO proof of debt owed. I am practicing XXXX- please show me where the proof is of debt owed and cease calling me once and for all. I already canceled my membership with XXXX many months ago and paid off my outstanding debt to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Convergent Resources, Inc.
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2019-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a phone call from Portfolio Recovery Associates about the debt that is no longer on my credit and it is has been removed. They continue to call me and harass me at work and on my cell. They need to update their information and stop harassing people for no reason. My credit is clear and I do not owe anything to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance XXXX {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Sezzle Inc.
State: KY
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:
I paid my account in full with Sezzle, INC. on XX/XX/XXXX and closed it. Since then, this company is continuing to report a balance owed. I have called them numerous times and sent XXXX certified letters asking them to correct this issue. They sent me an email on XX/XX/10, stating the issue has been resolved, yet theyre still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase failed to protect me as a consumer and gave incorrect information in how it relates to filing a claim for a purchase on my account. I made a purchase which I was told by the company had not gone thru due to a verification issue on the bank 's end. They indicated that the initial charge was just temporary and would be released in a few days and that my order was cancelled. After a few days I called back and was told that it needed a few more days for fall off the system and that it was based on the issuing bank for specific time frame. When i contacted my bank I was told by chase that I was required to wait until the merchant issued a credit for a cancelled order which was according to XXXX guidelines. I explained that information is only correct when the cancellation is requested by the customer, when the merchant cancels the order the consumer is NOT required to wait any period of time to file a claim and all that of information can be found in XXXX guidelines. Regardless of this Chase was adamant that I had to wait, per XXXX guidelines, I asked them to send me this documentation that said this which they refused to do. I was forced to wait weeks beyond what I already waited to have the claim filed. When the claim was filed I asked if I needed to provide any documentation or any affidavit/statement of facts to which they said they would contact me if any additional info was required. Many weeks later i checked my account to find that it was over drawn the amount that was credited back for the order I never got and when I called chase they said that they sent me two letters once stipulating that the merchant disputed the claim saying that they showed it was delivered and also that they sent a letter saying the credit would be reversed. I have the letter that they sent about the reversal but nothing about the merchant response. The letter about the reversal came AFTER they had already overdrawn my account despite notice is required to be given at least 10 business days prior to debit account, thus another violation. I asked the rep to check my signature that is on file and easily compared to the one that i supposedly signed and she indicated that they did n't match. This is utter nonsense. Chase failed to comply with the guidelines set in place for handling claims and I am not out almost {$3500.00} because of it. I want this rectified immediately and my funds returned otherwise a legal suit will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2021-03-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX XXXX of IL. XXXX XXXX XXXX XXXX XXXX XXXX of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX XXXX of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup. 

In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX. 

In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: TN
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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