BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
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: Account status incorrect

Complaint:
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!! 

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!! 

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CHASE BANK CLOSED MY ACCOUNTS XX/XX/2023 AFTER 9 YEARS OF GOOD RELATION SHIP I NEVER GOT ANY PROBLEMS I CALLED THE NUMBERS AND NO ONE GAVE ME A ANSWER FOR CLOSING MY BUSSINES AND PERSONAL ACCOUNTS. I DONT THINK IS FAIR BECAUSE I BEEN DOING GOOD SO I CAN GET A LOAN FOR A HOUSE. NO ONE HELP ME TO RESOLVE THIS PROBLEM THEY CLOSED MY CREDIT CARDS AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent AmeriFinancial Solutions a letter on XX/XX/2021 by certified mail ( XXXX XXXX XXXX XXXX XXXX ) I did not receive a response from AmeriFinancial so I submitted a second letter to Amerifinancial on XX/XX/2021 allowing AmeriFinancial plenty of time to respond to my request for validation well over 45 days in consideration of the pandemic.

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 2018-07-18
Company: CURO Intermediate Holdings
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: Old information reappears or never goes away

Complaint:
I went to a Speedy Cash in 2011 and defaulted on partial loan Speedy Cash sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CL Holdings LLC
State: TX
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 received a letter on XX/XX/2023 from Jefferson Capital Systems , LLC about an alleged debt from XXXX. This account is in litigation with XXXX XXXX at this time. 

Pursuant 15 USC 1681a ( d ) ( 1 ) -you do not have and written or oral consent to furnish this alleged debt. Jefferson Capital Systems is violating my rights as a consumer and doesn't have permission to furnish this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Problem with fees

Complaint:
I was very pro-active while current on my account and called Capital one in XXXX during he pandamic. They defered my payment, but wasn't clear about calling everymonth again to do this. I didn't call the following month due to the health crisis and was charged late fees and they reported the missed payment to the credit reporting agency. I called them almost a month ago to ask why they would charge me late fees and be so unsupportive unlike other banks. They said a senior manager would call me, she finally called me today on XXXX, and said sorry we will not waive the late fee or contact the credit agencies. I kept explaning that i didn't miss my payment on purpose and thought it was deferred, so i should get the fee waived and fix my credit, she refused. They are very uncooperative and have charged many innocent victims late fees like this during covid times and take advantage of people loosing their jobs. This is a very serious incident that should be followed up more with capital one. I have included their fake website that shows a link for covid, but when you click on it, it opens a general customer service page, nothing related to covid, where customers can't respond quickly on a form to email a specific address to email. All other companies have a form to fill and send online, they make it very hard to do this and charge you fees very fast.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE.

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!

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 2023-07-25
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I very first got the vehicle the car dealer did it electronically the car was worth XXXX and some odd dollars I paid a XXXX dollars down. Once I got the contract they was charge me XXXX dollars for a 63 month period the car had XXXX miles when purchased they ripping me off monthly payment is XXXX monthly this ridiculous on a used car with high mileage. I have the lady on record who I talked with

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 2023-02-12
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account in my name stolen identity XXXX XXXX  /XXXX XXXXOpen XX/XX/18Amount 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 2018-10-01
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mid XX/XX/XXXX : I spoke w/ a rep. of Zwicker and Associates , regarding alleged debt to XXXX XXXX. I was told that I could settle for $ XXXX/month with a 3 year payoff or, a single lump payment of {$7900.00}. I told them that I couldn't afford that. I never confirmed that I actually owed the amount they stated. Out of good faith, I sent them a check for {$100.00} on XX/XX/XXXX and {$75.00} on XX/XX/XXXX. On XX/XX/XXXX, I was served with a summons. I was also informed by the summoner that I didn't have to appear in court and had 20 days to file an answer. On XX/XX/XXXX, I spoke with the Zwicker representative again. My friend, XXXX XXXX participated in the conversation over speaker phone as she did in the mid- XXXX conversation. She asked if I had to pay any of the costs to bring this to court if I settled this now. The woman said, there would be no fees. I agreed to pay $ XXXX/month for 36 months beginning on XX/XX/XXXX, although I couldn't afford it and had no proof that the debt was mine, because I was afraid of going to court. There was never mention of more payments after the $ XXXX/36-month agreement. Since I had no idea what charges were mine on the account since my wife of 12 years abandoned me a year ago, and took all paperwork, XXXX and I asked for a breakdown of all the charges to review. I received the balance summary of each month, which we spoke of, but never the breakdown that we explained I needed, to see the charges and review if there were fraudulent charges listed.I was told if I had a problem paying the {$300.00} just to call. We also called back the next day, XX/XX/XXXX, to confirm the arrangement. The $ XXXX/36 month payment was quoted due on XX/XX/XXXX. No other fees or amounts due was mentioned in that conversation either. I filed an answer with the court on XX/XX/XXXX with the verbal agreement included in the answer.The stipulation arrived via email on XX/XX/XXXX The stipulation states {$300.00} for 36 months, plus an additional {$320.00} each month on or before XX/XX/XXXX until the principal some of {$12000.00} is paid to settle the case in full. Additional attorney 's fees of {$420.00} is now also added to the amount owed for a total sum of {$12000.00}. Also in the stipulation that I could go into default if I couldn't meet the payment arrangement that was made. That was never divulged to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian and filed a previous complaint XXXX explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX {$470.00} & XXXX XXXX  XXXX {$420.00} does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! Experian deleted the account for XXXX XXXXXXXX XXXX but not the XXXX XXXX {$470.00}. Please delete this account previous documentation has been faxed.

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 2022-09-12
Company: Chime Financial Inc
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2022 i gotten a text notification from chime that XXXX store was trying to get XXXX from my checking card but it was canceled due to insufflate funds. I didn't recall that so i called chime to inform them. spoke to XXXX from chimeXXXX pm on that set date above. I canceled that card ( checking ) on above date and time with set agent XXXX shortly later i gotten notification via chime of my new temp ending in ( XXXX ) you wont see it on new temp card because it was paid for from a canceled card with insufficient funds card ended in ( XXXX ) Just short of XXXX hours later chime authorized a transition against my authority. Without my consent i do not have XXXX me nor overdraft. Chime paid out XXXX on a canceled card with insufficient funds ending in ( XXXX } that has been canceled due to a declined charge of XXXX. I disputed it with the dispute dept where the dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unauthorized atm withdrawals, refuse to pay back unauthorized merchant transactions, returned pension funds for insufficient check service, closed account before promise to pay on check hold that was verified by issuing bank, theft of check made payable to account holder, refuse to cash pension fund checks from XXXX XXXX XXXX gave me false information regarding account balance and refused to return endorsed checks payable resulting in threats of fraud made to Dept of Financial and Professional Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I am trying to get a loan that they offer for flight school at XXXX XXXX in XXXX, Texas. XXXX XXXX works with my school and offers loans to complete flight training. I am 2/3rds of the way done and am trying to get my first loan with XXXX XXXX to complete my training and start my career as a pilot. I have tried numerous times to get the reasons for why my application is being denied and they are not able to explain or give me any reasons. They have told me twice now that they will send a letter of disapproval and they have not and they told me that they would have a supervisor call me back to explain which they have not. I feel discriminated because I feel this company thinks that since I am just young and dont understand how all of this works that I just will not be able to receive a loan from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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, XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, BK OF AMER # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX, 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file 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 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
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 asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX Experian is showing ACC. XXXX XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX Experian is showing ACC. # XXXX from XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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