BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis has infringed upon my right to privacy as a consumer. This is my second attempt to rectify this matter.LexisNexis also defaulted by not responding to my affidavit. I have attached it again. I have attached my social and proof of my address. LexisNexis is in violation of the following sections of 15 usc 1681 : 1. 15 usc 1681 ( a ) ( 4 ) 2. 15 usc 1681b. ( a ) ( 2 ) I am invoking my specified remedy as a consumer. I am demanding that this info be removed from my consumer report, and that LexisNexis remove this from every agency they furnished this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a victim of unfair business practices and negligence. SCA Collections is acting against my rights. they are also re-aging the following accounts : SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 
2. SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 

My demand is that they stop collection activities and send a notice to the 3 major credit bureaus for these 2 items to get removed from my report. this situation is making me pay high interest rates and stopping me from getting credit opportunities. 

Please send the attached documentation to the company. 

Thank you.

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 2020-09-16
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a Usbank checking account as the result of a solicited offer of {$300.00} bonus if I met certain criteria within 60 days. I met all requirements but Usbank refuses to honor advertised promotion even though Usbank states they have no doubt that I received the offer. There excuse is that the code wasn't included in the application even though the Usbank website stated the promo code would automatically be entered as I proceeded through application web pages. I contacted Usbank but they refuse to honor their terms even though I said I could provide screenshot of the terms. Correspondence can be provided and also can be posted publicly to provide proof of my claim and Usbank 's refusal to honor their promotion.

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 2018-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of identity theft and 3 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} AND ANOTHER XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.

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 2018-03-20
Company: Ideal Collection Services, Inc.
State: FL
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:
Ideal collections is still not going by the law they are trying to collect a debit that was done by identy theft, i have attached a police report they are asking for a fraud affidavid as the police stated this does not exist please read report. I have now gotten a lawyer and i am not nor will i provide them with my ID my identity was alreadys stolen, this will be the last attempt to have them remove this or the Law offices of XXXX XXXX in XXXX will file suit, i have never gotten a debit collection from these people this has been over 6 years this is now harrasment and extortion again i have a police report. Last chance to remove or XXXX XXXX wil take over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
long time Capital One Visa card holder. Capital one keeps adding to my interest. I talk to a regular representative Friday XXXX XXXX and a supervisor I believe her name was XXXX. I tried to get them to credit my {$340.00} dollars in interest charges. They gave me some mumbo jumbo about not being able to credit the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an employee of XXXX XXXX XXXX. On XX/XX/2019, I thought I was writing a company check drawn on XXXX XXXX XXXX XXXX, for the purposes of purchasing an XXXX computer. I was directed through email to deliver the check to a Chase Branch and deposit it to account # XXXX. 

On XX/XX/2019, it became quite clear that my email had been spoofed and during negotiations these instructions were inserted. I immediately called the XXXX XXXX, CA Police Department and filed case # XXXX. 

XXXX XXXX XXXX XXXX had me sign an affidavit and tried to find anyone in Chase fraud department who would investigate and return the funds. 

During the investigation both XXXX XXXX XXXX XXXX and and the PD stated the funds are still held by Chase.

I am holding copies of the spoofed email, invoice, deposit receipt, police report and insurance claim but can not find anyone at Chase who will investigate my claim and return the funds.

Chase finally gave me a claim # XXXX to which I have a received no follow up. 

Please can someone explain why the funds can not be returned if they are still held by Chase? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: TX
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:
I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had XXXX name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX XXXX APT XXXX, XXXX, XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX  XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX XXXX I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES 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 2020-06-24
Company: Southwest Credit Systems, L.P.
State: TX
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:
I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX APT XXXX, XXXX, XXXX XXXX XXXXXXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX SOUTHWEST CAPITAL SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES NATL CREDIT ADJUSTERS GC SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me. 

I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern. 

XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased. 

I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.

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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of 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 explanation
Consumer complaint received 2018-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I was in XXXX on XX/XX/2017 and had dinner. Later on I noticed that my credit card had been charged twice for two separate transactions at a restaurant I had dined at. One for {$59.00} ( XXXX  euros ) and another for {$590.00} ( XXXX  euros ). I assumed it was an accidental charge and I called my credit card company - bank of america on XX/XX/2017 to dispute the charge. They agreed with me saying it looked like a mistake and provisionally credited me back the {$590.00}. They told me the restaurant would have 60 days to dispute my claim. I thought that was the end of it but come XXXX I received a letter from the bank that said the restaurant had provided them a copy of a signed receipt for {$590.00} so they sided with the restaurant and charged me {$590.00}. I called and tried to dispute that again since I did not see that receipt or sign it. The only receipt I had signed the for was {$59.00} and I asked them to compare the signatures but they told me that they do not/ can not do that. I even mentioned that this same thing happened to another person at that restaurant, which i learned about after I decided to post my review. I was told that they could not use that as proof to show that is what had happened to me. Essentially since I was there and I gave them my card it could not be counted as fraud, even though I told them I never ordered 20 fixed price meals ( I was with only with one other person ) or signed a receipt for that. After a few more calls I stopped trying because they told me that they could not do anything to help me. I have a copy of the receipts which the bank sent to me as proof and the signatures are clearly different. I'm reporting this a year later because someone just contacted me on XXXX saying the same thing has happened to them at that restaurant.

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 2018-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a cash out refinance through XXXX XXXX. They used XXXX  XXXX XXXX agent, XXXX XXXX who was instructed to payoff Wells Fargo loan number XXXX. 

She requested a Payoff from Wells Fargo Home Mortgage and the statement was received on XX/XX/XXXX. The payoff statement indicated wire instructions and that the amount needed to pay off the loan was {$66000.00} and that the payoff amount was good through XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX wired the amount of {$66000.00}. 

I received a collection call in mid XXXX stating that my mortgage payment was late. 

I called but they couldn't seem to figure it out. So I went into a branch. XXXX XXXX XXXX and then XXXX XXXX XXXX of Wells Fargo sat down and reviewed it with Me. 

XXXX then pulled up the mortgage account. He said that it appeared that Wells Fargo received the money but didn't apply it to my account until XX/XX/XXXX resulting in interest and therefore it appears to the system it's not paid off. 

They created a ticket number XXXX and they said it should be fixed in a couple of weeks. 

I got another collections call XX/XX/XXXX. I'm afraid that this is effecting my credit not to mention how much time I've wasted dealing with this. 

They told me I can just pay it and it will be paid off but I don't owe them anything. I don't know what to do! 

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 monetary relief
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them

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 2017-11-28
Company: CITIBANK, N.A.
State: CO
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 used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.

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 2019-05-23
Company: Experian Information Solutions Inc.
State: MN
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 applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit score.

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 2018-03-14
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/18, I received a letter stating that a new address was posted to my equifax credit file. The new address has an extra 2 digits after the first address line, this making it inaccurate. I called XXXX which was the number listed to call with a dispute or questions on XX/XX/18. I spoke with 5 different customer service reps who refused to fix their error until I supplied utility bills, etc. It is absolutely unacceptable to require me to provide documents to correct their error. I refused and they offered me nothing more than 40 minutes of wasted time. Incidentally, I know this is an error on their system and not in my lender 's data because every piece of correspondence from my new lender had my address listed correctly. My rights as a consumer should not be to correct their errors. As a data holder, they have the responsibility to correct their own mistake.

Company response to consumer: Closed with explanation