BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Good morning, Capital One was given a pay-off in full on both of my credit cards on XX/XX/2019. Both balances were at XXXX. On XX/XX/2019 Capital One changed interest on a XXXX  balance. After calling I was told that they charge interest on the previous month if there is a balance. I asked to speak to a supervisor and was hung up on. After calling back I was told a different story as to why the interest was charged. After asking again to speak to a supervisor after being transferred a second time, again I was hung up on. After a third phone call and much frustration, I paid the bills in full to make it stop. 
How can a credit card company get away with treatment like this? 
I also refinanced my auto loan and the payment was sent by XXXX  XXXX XXXX on XX/XX/2019. By XX/XX/2019 Capital One had not posted the pay-off. I called the Credit Union and they called Capital One. Capital One stated they did not have the funds. When I checked on XX/XX/2019 the balance was at XXXX for the car loan. Had XXXX XXXX not made the call, Capital One would have continued to charge me. 
How can such a supposed reputable company have such ugly practices? Especially for what was a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is trying to collect an old debit that I had settled with the original company. They have used phone calls repeatedly to try and get the money that I do n't owe to them. Please help me solve this problem. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I called Louisiana Recovery Services @ ( XXXX ) XXXX. So that I could settle what collections that I had with them. XXXX Card Purchase XX/XX/2019 Louisiana Recovery Service XXXX and cleared my account on XX/XX/2019. The company representative I spoke too said that for an additional XXXX dollar fee, they would send me a receipt and remove the debt like it had never been on my history. They sent me an email with the form attached. ( I'm attaching the form to this dispute ). I did not pay the extra XXXX dollar fee. It felt, to me like something that could fall under UDAAP, as an abusive act. The elderly and people who have sub par credit would more feel obliged to pay that amount over the debt I checked my credit-wise account once a week until XX/XX/2019 and when it still was showing owed, I called the company back.The company representative that I spoke too was adamant that it was not on my credit report. And said that the only way I could get a receipt was to pay the additional XXXX dollars using the emailed form. I told him that it may be a possible UDAAP violation, " Oh no, we offer it to everyone. '' I paid two other outstanding debts with two other companies that same day. One emailed me a receipt and the other sent me a receipt through the XXXX XXXX, with no additional charges. And those paid debts have been noted on my credit. 
This morning, XX/XX/2019 I pulled my free annual credit report and they are still there.

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 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 credit card from Bank of America which i have paid fully already long time ago but this account is not being deleted from my credit reports, i kindly ask BoFA memebrs to remove this account from all credit reporting agencies. 

Account number is 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 2019-05-31
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CrossCountry Mortgage recruiting mortgage loan officers advertising tne loan officer can make more money per product. Ie fha/va/conventional. This is an anti consumer promotion. Lenders have been restricted from selling this way.

I do not believe their policies of compensation are in compliance based upon their leading ads. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Bread Financial Holdings, Inc.
State: MA
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:
There are a few inquiries that were placed on my credit report on Different dates by Comenity bank from COMENITYCAPITAL/XXXX  that has an inquiry date of XX/XX/XXXX and COMENITYCAPITAL/HSN that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: ALLY FINANCIAL INC.
State: LA
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:
Re : Ally Financial This is now part of a Chapter XXXX Bankruptcy ( Wage Earner Plan ) ... .They consistenty report this as a collection. My attorney and the Trustee have informed me that this should have been converted to the WEP. Ally has refused to change after multiple attempts thru the cedit bureaus, most recently XXXXn.

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 2021-08-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
So I was in a payment plan. But every time I tried to contact them about the payment they would tell me my account could not be found. I was under the impression that I was making a payment but when asked for a statement they would say that there was no such thing of a payment from a third party. I was making payments threw money management international. This company was distributing money individual to all the cards including Target. I called Target and they said that i needed to call the collection company. But when i did they said that account doesn't exist. So were did all my payments go. My account should of dropped because I gave about {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On or about XX/XX/2020, I refinanced an auto loan with USAA in order to get a better interest rate. The original loan was with them also. I received a new loan rate of 9.25. When I looked at the refinance documents, it showed a credit score of XXXX from XXXX. I have an XXXX account and knew that my credit score was XXXX. 

When I contacted USAA to see if they used additional or different scoring from XXXX, they said they did not. They took it directly from XXXX. I checked XXXX XXXX credit reporting, and the score was XXXX. 

Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX XXXX, I want to know what factored into this score and this interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: WI
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:
XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: NC
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 letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, 2017, my husband and I applied for a car loan. We were very surprised that XXXX XXXX, a previous lender with whom we have had an excellent payment record, denied our request for credit. After having accepted an auto loan with XXXX XXXX at a higher interest rate, we perused the letter of rejection from XXXX and realized that there was a large disparity between the major credit reporting companies and XXXX, XXXX. Their low credit score of XXXX compared to XXXX XXXX XXXXXXXX explained the higher interest rate. 

We attempted to contact XXXX XXXX XXXX but they have no online access and only a toll free number which promises to return your call. Once reached, they request hard copies of social security identification numbers and other identifying information. 

It appears that we are not alone as the internet is full of complaints from other consumers who believe that this organization is purposely lowering credit scores in an effort to justify higher interest rates. 

Judging from the complaints on the internet, it appears that the majority of complaints are related to new car loans. 

We seek your help in researching this organization as they reflect a three hundred point difference from XXXX XXXX and XXXX 

We are not familiar with this company and will not provide any identifying information to a totally unknown entity. 

Could this be a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempting to access Experian account and unfreeze the credit reporting in order to open up a new line of credit Experian does NOT allow one to speak to a live operator on ANY of there numbers provided They also do NOT allow one to access their file on line There is NO WAY to contact them at all.

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 2020-11-18
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: Account status incorrect

Complaint:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2023-01-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hyundai Motor Finance has illegally withdrawn a payment from my personal checking account when no payment was due. They are refusing to reverse this fraud, which means it is now a theft. Attached is the XXXX Statement showing no payment due for XXXX and a screenshot from my checking account showing they took money without authorization.

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 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have always paid this account on time

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 2023-10-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed there is a hard inquiry on my XXXX credit report from COMENITYCAPITAL/XXXX on XX/XX/2023 that I did not recognize. I have never applied for anything at Comenity capital nor authorized them to access my credit file. I called Comenity capital. According to them, they could not find anything related to my SSN in their system and asked me to dispute it with XXXX. 

I submitted a dispute to XXXX, but they got back to me saying the inquiry is factual and can not be removed. 

Even though Comenity bank claimed that they do not have any application or account under my SSN, XXXX insisted that after investigation they believe it is legitimate inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank hasnt closed my account yet but still wont let me access my money XXXX I came in with my if and everything I just want my money n they wont give it to me they said they have to mail me A check once they close it in 7 to 10 days I need my money to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a call 10 to 12 years ago from Protfolio Recovery Associate, LLC that I owed something about {$5200.00} including late fees I told them I dont have credit card from XXXX XXXX XXXX and i hadnt live riverside since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems PRA didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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: Reporting company used your report improperly

Complaint:
I have an unauthorized credit inquiry on my credit report. I contacted the company and they told me they could not remove it and to contact Equifax. I contacted Equifax and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: General Motors Financial Company, Inc.
State: ME
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:
Americredit Financial DBA GM Financial commit a fraud by reporting a debt that I did not sign with them. They Should stop reporting their name and account in my credit report I don't owe GM Financial anything. As a XXXX individual with long History of XXXX, and XXXX, not to mention my race, and age. I would like to ask GM Financial to stop using my credit for their own benefit. And stop violation of my privacy. I am XXXXXXXX XXXX father XXXX  and GM Financial can not take advantage of my country of origin to violate my civil rights and human rights. This harassment and persecution have to stop. My credit is taking an enormous toll.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.

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 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The issue has been ongoing sense XXXX. I was re-call to XXXX XXXX after XXXX and XXXX until XXXX. During this time frame I requested from Bank of America to reduce my interest to 6 % vs 6.5 % which was never done ; in exchange they credit me back once a month what they figure to equal an .5 %. From day one of this account I have always paid bi-weekly this was taken into consideration nor do I believe the calculation over the year equate to change the interest rate as stated in the Soldier 's and Sailors Civil Relief Act. 

I have researched to find that Bank of America was involved with an class action law suite regarding the SSRA during this time frame ; which I was not inform of at that time. 

Please help me receive the credit to my account that I have service to country for! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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