BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX    XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-05-25
Company: CARD Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I paid for transcations by other means and my prepaid card with Card.com was still charged. I orginally contacted the companies and was told I needed to file a dispute with my bank. I filed the dispute with card.com and even provided proof that I paid by other means. The company didn't look at the receipts or properly investigate, they just denied the claim. I know they didn't contact the companies because I was advised by the companies that they were never contacted. They do this every time and this time I'm contacting a lawyer. I've attached the receipts showing I paid by other means. My card.com ends in XXXX and the card that was used for the transactions which were also charged on the Card.com car do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka D. Scott carruthers. I, my sister in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/XXXX XXXX female states I will be at your place of employment and residence. 
XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/XXXX ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XX/XX/XXXX from D. Scott carruthers. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: FL
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score.  CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise..XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX/XXXX XXXX, ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account reported duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: FL
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise. CHILD SUPPORT 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 2018-11-01
Company: EQUIFAX, 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:
On XX/XX/2018 I file a police report with the XXXX XXXX Police Department ( Case # XXXX ). I reported that I was a victom of identity theft and some one was clearly using my identity for personal gain. What brought this to my attention was I continued to get alerts constantly on my XXXX XXXX account that a new account has been open in my name, or a new inquiry has posted to your account. So I investigated and found out that I had over 30 inquries along with some accounts and collection on my credit reports with all three Major Credit Bureau that I did not authorize or recognize. So I sent all three Bureaus a letter explaining the situation along with the police report and number to the police department. About a week or so later XXXX and XXXX both deleted these items off my credit but Equifax did not. I recently called Equifax to make sure they received my letter. Equifax answers and claims they did receive the letter but could not make out my drivers license and social, I told Equifax that I sent them the same information I sent the other two bureaus and they did not have a problem reading the information, so I resent them the information they needed and they continue to report the same information I submitted to them, the police and the other two bureaus. This company is refusing to follow the law of reporting 100 % accurate information and its my understanding against the law to report false information of a person who is a victom of Identity theft. Equifax needs to remove this information at once or I will have no choice but to seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: BARCLAYS BANK DELAWARE
State: GA
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:
I tried several times to call them, write them letters stating that account was open without my knowlegde provided policy report and followed identity theft recovery steps. 
They reported me to collection department.

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 2018-11-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a " XXXX XXXX XXXX '' through Synchrony. Recently I was checking my statements and noticed that they have been charging me a {$38.00} late fee nearly every single month for the last couple of years. 

I always make my payments to them online, and normally well over the minimum ammount ( sometimes 3 to 4 times the minimum ammount ). I pay twice a month to split evenly between paychecks. 

Synchrony Bank is using deliberate and deceptive business practices to scam their customers out of more money. I am one such example, where I often pay more than once a month, well exceeding my minimum payment. They use loopholes like moving closing dates between payments to make it appear as though payments are late. I called customer service and was told that they have a hidden date that they prepare the statements, and this date changes month-to-month. Depending on how your multiple payments fall around this hidden date, they may only apply one of your month 's payments towards the balance, and then hit you with a late charge. 

Here is a recent example from XXXX 2018. On XX/XX/2018 I made a {$250.00} early payment. Then, on XX/XX/2018 I made another {$150.00} payment. When I read my statement for XXXX, I get hit with a {$38.00} late payment fee. Upon investigating, they have been doing this every single month to me. I am a good customer that makes well over the minimum payment, and even sends in multiple payments per month, and it's an absolute shame that a company will pull such dirty tricks to rob their customers of money. They have robbed me of nearly {$1000.00} this way already!

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 2018-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, XXXX AND EXPERIAN ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!

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 2021-02-24
Company: EQUIFAX, INC.
State: IL
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:
DEAR Equifax : Thank you for sending me your internal records of the debt XXXX XXXX XXXX , Credit Card account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ). You stated by mail that you verified that these items are being reported correctly so how could this happen? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED ONCE AGAIN FOR THE 3rd TIME : MY UTILITY BILL FOR ADDRESS VERIFICATION, ID AND SOCIAL SECURITY #, POLICE REPORT, ID AFFIDAVIT via UNITED STATES POSTAL OFFICE CERTIFIED MAIL TRACKING # : XXXX mailed out todayXX/XX/XXXX.You deleted this once XX/XX/2020. I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I am keeping phone recordings and paper trail with all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Coastal Credit, LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a XXXX XXXX with Coastall Credit LLC in XX/XX/XXXX. I got out of the military on XX/XX/XXXX on an XXXX XXXX XXXX quickly and unexpectedly. I made the XX/XX/XXXX payment. For XX/XX/XXXX, I informed the company that my va XXXX from the military would be later than usual due to the circumstances. The lady told me that it would n't be an issue. I got notified that I would receive my money XX/XX/XXXX. I informed the lady at the company that it would be in on XX/XX/XXXX. On the morning of XX/XX/XXXX at XXXX, a repo company, came and repossessed the vehicle. When I called the company, the lady told me that I violated my contract with coastal credit by getting out of the military and that 's why she was repossessing the vehicle. None if the paperwork I signed said that I had to be in the military to keep the car loan. The car was sold at an auction and the remaining balance placed on my credit report. I have filed multiple disputes and the company continues to hold the account on my credit. Recently as of XX/XX/XXXX. Coastal credit union changed the amount owed from XXXX roughly to 13,000+. The car was unfairly repossessed. And the balance is remaining on my credit report destroying all possibility of getting a, new car. On top of all that, the company continues to sporadically conduct inquiries to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX   XXXX  ( reported multiple times on my credit report )XXXX XXXX XXXX ( reported multiple times on my credit report ), XXXX   XXXX ( reported duplicate on my credit report ) 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 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to have my credit pulled ASAP for an application with my bank. 

I attempted to unfreeze my credit XXXX online XXXX by an automated phone call and XXXX by speaking with a representative. 

The representative told me I was unable to do so currently and would not provide me with a timeframe in which I could do so. I paid a service fee to freeze my credit in the first place and am also willing to pay the service fee to unfreeze it, but I would like to be provided with the ability to do so urgently so that my application can be processed. 

Furthermore, when I inquired if they could provide me further information or contact me when I would be able to, the representative on the phone hung up on me.

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 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2017, Bank of America had closed the company business checking account and the remaining balance of {$7500.00} was not returned to account holder.

I had called Bank of America Customer Services many times, long waiting on the phone, no specific reason given why account closed and finally hang up customer calls. Even sent to a couple written letters directly to Bank of America by U.S. Postal Certified Mail. Months had passed, Bank of America did not reply. Land line calling many times, customer service put me on hold for hours and later disconnect the line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is regarding Capital One 's recent decision to not allow data sharing with third-party companies, even though the consumer/account holder has authorized the third parties to access said data. This new " policy '' has literally cost me financially. I as a consumer and Capital One account holder, insist that Capital One return to it's previous practice of sharing data with AUTHORIZED third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Loan at Last XX/XX/2017 for {$470.00}. Since this time I have made all my payments which are {$100.00} twice a month totalling {$520.00}. After making my most recent payment I was informed my payoff amount was {$600.00}! I was not expecting that after paying more than the cost of the loan the payoff amount would still be more than the cost of the loan. I feel these are predatory lending practices. I need help getting out of this payday cycle with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank Of America Credit Card Opened XX/XX/2011 That Doesnt Belong To Me Now Its A Charge Off Account On 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 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On my hard inquiry on my credit report they are 3 capital one credit card hard inquiry that I did not open myself. I do believe that someone got them in my name.. I think someone got my identity and ordered them cause I never had a capital one credit card. Thanks alot and I look forward in hearing from you. Thanks

Company response to consumer: Closed with explanation