BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: GVA Holdings, LLC
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Company list report stating the information was verified. Recived verification original creditor does not match.

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 2020-08-21
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer of XXXX for a total of 23 years. I moved to a subdivision that doesn't allow a dish. I called XXXX to explain and they said I had to buy out my contract. Again I was with 23 years, I paid my contract. I talked to a manager and he would not drop the buy out. It has been two years and they keep turning it over to a collection agency and it is still affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXXXXXX 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 explanation
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto Finance has, in error, reported derogatory and erroneous information to the credit bureaus for an account that not only has a perfect payment history, but is paid ahead. They have transferred my account to an outsourced department, XXXX XXXX, that is not responsible for these errors. That said, this department can not assist me. In addition, after uncounted attempts, I have been unable to reach an associate at Capital One to assist me. I am repeatedly transferred to XXXX XXXX. I have opened a dispute with the credit bureaus and confident that the matter will be resolved from that end. Regardless, it is unacceptable that I can not get in contact with a Capital One representative to address this matter and should have to wait for the credit bureaus to handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello i have a XXXX credit card and i check my monthly reports on Credit Karma I've never been late on payment and my score went down 30 points and i don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I found the weird transaction in my checking account ( Chase bank ). I never used my account for XXXX, but there were a lot of transaction in my statement. It started from last XXXX until XXXX. But in XXXX to XXXX, those were small amount of money, so I didn't notice these frauds, but in XXXX, there were several weird transaction with big amount of money. I visited Chase bank right after I noticed these frauds ( XXXX ). I reported the claim for these transactions and I waited for 3 weeks for it. Then they said they could only pay back for 60days transaction from the initial transaction. So they only paid back for XXXX and XXXX 's transactions. It means they knew all of those are frauds, but they want to pay for only initial 60 days ones. The first banker said we could get money back within latest 60 days. But the third banker said, from their regulation E (? ) policy, they can investigate within 60 days issue, however, they can cover only initial 60 days transactions. I think it doesn't make sense, because at first they said they can cover within 60 days transactions and it was because of their security, not my fault. Also I checked with XXXX and they said my account is under different person 's name. But this fraud person can use my checking account and Chase bank allowed this transactions, even they used different name. The bank said they can't do anything, but it doesn't make sense to me. They should cover everything or recent 60 days transactions. 
Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
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:
Since XX/XX/XXXX I have notified Equifax that there are several inquiries on my credit report with them that do n't belong to me. The first asked that I contact companies directly which did and never received any responses. Just recently as XX/XX/XXXX I reached out to Equifax again and was told the information was factual but they are refusing to show me proof that I have applied for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. XXXX XXXX representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EMCC Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX services appears to be aging my " debt '' by making payments or claiming that my wife and I are making payments on the account in which we do not have business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit card
Issue: Other

Complaint:
I recently received an incorrect XXXX listing an ( improper year - XX/XX/XXXX ) from Midland Funding, LLC. Their XXXX should have been listed for the ( prior year - XX/XX/XXXX ), due to the fact that the settlement was made and completed and also reported on my XX/XX/XXXX income tax return. I contacted Midland Funding, LLC on XX/XX/XXXX regarding this error and they are refusing to issue me a corrected XXXX for the proper year of XX/XX/XXXX and I do n't know what to do. I 'm hoping you can help me with resolving this matter. Attached are scanned documents verfiying my information relating to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
What is going on? American Express told me my accounts will be reopened after payment. They closed my accounts down for financial review during the most difficult time of my parents XXXX. Then I was told if I make the payments in full for the Charge cards my cards would be reopened. After now a couple weeks it has yet to have a status change. Please reopen my cards as I had responsible timely payments in full for 5 years+ with American Express and I feel I am being bullied into submission here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.

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 2015-10-09
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express has my cellular phone number entered into their robocall system. They call multiple times a day 7 days a week, all from random phone number. This is annoying and I consider it harassment. They need to stop. I have no desire to speak with them and I 'm filing bankruptcy soon. 

They 've called from the following XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I used my American Express Blue Cash card and bought a new membership for {$45.00} at XXXX XXXX # XXXX because they had a deal ( Amex Offer ) for new membership purchases. I was told yesterday by XXXX ( XXXX ext XXXX ) that they 're not honoring the deal because it was n't a new membership purchase. So I got written proof from XXXX that it was indeed a new membership. Amex, please honor your promotion ( {$45.00} ) credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: FC HoldCo LLC
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2018-08-03
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in frustration against a company which has placed me for collection, HARRIS & HARRIS , LTD. they have refused to understand the fact that I am a fully insured patient and I have been incorrectly billed for an ambulance ride which is covered under my MEDICAL 100 %. I have fought long and with XXXX XXXX Hospital and this collection agency. I have submitted and resubmitted my insurance to them many many times and still they harass me with unending phone calls, letters and threading letters in red! I am also going to hire a lawyer and sue this company for ignoring my please for them and the Hospital to contact my Medical. I about had a XXXX XXXX and this is how we are treated? I am lucky to be alive and this is 100 % covered and this company is lying tremendously to collect and recollect the same debt hoping I don't find out. I am sure and I suspect that my insurance was billed and thy are just double billing me because they are a disgusting company! 

I am going to sue them and the hospital for damages to my mental health and to my credit report! after submitting my insurance information and disputing their collection they refused to follow FDCPA laws and cease and desist calling and harassing me. They made matter worse by placing collections on my credit reports and dropping my score over 80 pints! I was not able to get a car because of them and I am going to definitely pursue this in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to opening an checking account and was not able to open the XXXX account at Washington Federal.

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 2020-08-21
Company: Experian Information Solutions 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:
After submitting my dispute to both experian and XXXX XXXX XXXX XXXX claims they did a fraud investigation and verified a fraudulent item as mine. 

8/2020They sent me a HUGE envelope from their legal counsel XXXX and XXXX XXXX possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

XXXX XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my XXXX FCRA request to block this fraudulent information from my report. XXXX Equifax and Transunion have complied already XXXX. XXXX XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA. THey are in strict violation of the FCRA and this must be fixed.

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 2019-03-29
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I do not have dates because they are not showing up on anything the Credit card company has given me but I got an ASPIRE Mastercard and its not accepted most places that Mastercards are accepted. This has been going on since I got the card, I called todayNd they said I had a {$7.00} available credit when there automated service and app says I have {$140.00}, they told me I must be buying it from insecure places but unless every shop in XXXX County is unsecured I thing the security issue is more likely on their end. They are charging me fees for a card I can barely use. This has been happening since I first got the card and knew it had to the full amount approved by the credit card company available. I hope you will look into their practices because I have never had issues like this before with any credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint from XXXX XXXX against Diversified Consultants for Diversifieds failure to cease reporting on a dept that has been paid. On XX/XX/XXXX, Consumer paid the original creditor in full ( see attached statement ). On XX/XX/XXXX, consumer ( through legal counsel ) disputed the open account with Diversified on her credit reports. 

It has been 30 days since this dispute, and we have received no response, and the account is still being reported on Consumer 's credit report. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged, and continuing to report an account that has been paid by the Consumer negatively impacts her credit score. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am being sued in a local district justice court by Midland funding on credit card debt that is way past the statute of limitations to collect and they are in violation of the Fair Debt Collection Practices Act. They have already filed a lawsuit against me. There are XXXX different credit card accounts they are suing me for. XXXX had NO payments made on it at all since XXXX. Therefore this debt is over XXXX years old and is not enforceable to collect in the state of Pennsylvania. The XXXX credit card has not been payed on since XXXX which makes this over XXXX years old and again in violation and is not enforceable to collect. The third credit card has not seen a payment since XXXX. This information came directly from the Midland Funding website with my accounts listed so this information is accurate and correct. They are in violation of XXXX of these XXXX credit card accounts. I want the lawsuit dropped immediately and all fees and costs associated to be dropped or I will contact an attorney and I will let him pursue legal action against Midland Funding for violating the statute law in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TD BANK US HOLDING COMPANY
State: NY
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:
The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.

Company response to consumer: Closed with monetary relief