BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I called CapitalOne concerning an XXXX charge that was on my card that i did not know about. I also told them that a XXXX charge was ok one time but it was not ok going forward because it is my X-Wife and she is no longer with me. The charge is for {$140.00} and is on my account twice without my permission. I can not stop the payments myself because i do not have the account information and this company never sends anything to this address in the mail. When i called they told me it's all done via email and if I don't have the account verification information then no account changes can be made. So i have these changes that will not stop. I told them to cancel the card and stop all payments to the account and they told me that all payments will be transferred to the new card per the agreement they have with Visa and Mastercard. So i can't stop the charges unless i close the account. Closing the account will have a negative impact on my credit because i just opened the account less than a year ago. All that i asked them is to stop the charges they tell me they can't. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: DAIMLER TRUCK FINANCIAL SERVICES USA LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from Daimler Truck Financial, I never contacted or contracted with this company. I contacted Daimler Truck Financial by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote requesting an investigation into items I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. I also sent a second request to follow up on my first request. 

I demand the listed accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card. 

Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card. 

Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build. 

I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ). 

I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly. 

However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}. 

They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation. 

The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.

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 2021-09-05
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX ( XXXX XXXX ) XXXX FOR {$720.00} WAS REMOVED FROM EXPERIAN ON XX/XX/21 AND WAS REINSERTED ON XX/XX/21. I NEVER RECEIVED A NOTIFICATION THAT IT WAS REINSERTED ON MY REFPORT. ACCORDING TO MY RESEARCH, BY LAW, THEY SHOULD NOTIFY ME WITHIN 5 DAYS AFTER THEY PUT IT BACK ON MY REPORT. I SENT COUPLE OF LETTERS REGARDING THAT BUT THEY NEVER RESPONDED

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 2018-06-11
Company: EQUIFAX, 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:
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name XXXX XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXXk on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage to Chase in the branch on XX/XX/2021. I received an email on XX/XX/2021 that my mortgage payment was due. I went to the branch that I always use and was told that the payment was applied to a car loan that we paid off around a year ago. I was then told that I have to call the chase mortgage number to fix the issue because they couldn't fix it. I called chase mortgage and was told I have to call chase auto finance since the payment was applied to an auto loan. The first time I spoke with chase auto they told me that after 10 business days I would get the check back. It's been 11 business days. I called chase auto again and was told it should have been returned after 3 business day. The representative told me they would " escalate the issue ''. It's been more than 2 weeks and the payment has not been put back in my checking account and they are having trouble locating it. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Cedars Business Services, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In XXXX of 2020, I tried to apply for a home loan because myself and my kids were displaced because of Covid19.Upon pulling my credit report, I was denied because I was informed of information in my report that was either misreported or didn't belong to me. I have been writing XXXX over and over to let them know that they have been reporting inaccurate information on my credit profile. Every time I have submitted a dispute, XXXX has either not responded to my letter or they have sent me a " cookie cut '' letter with basic information saying that my dispute has been received. The accounts in question were closed accounts that belong to someone else or either was reporting the wrong information. I also called in to their company and was told that I could not investigate a " closed account '' by one of their rude representatives. I have enclosed a copy of each letter I wrote to them and also a copy of my report were the misinformation is being reported.

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 2018-03-27
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A law suit was filed by an attorney for a bulk debt buyer in XX/XX/2017, however, this was the first notification from the debt buyer that I owed the amount stating on the form. I previously disputed the unauthorized charges of {$5000.00} on my credit card when I received the bill with the original creditor and was told that it was under investigation with the fraud department. I followed up with a letter to dispute it with the bank, and continued to wait for a resolution, spoke on numerous occasions with customer service reps who told me it was being worked on. The bank also hiked up the interest rate while I thought the debt was being disputed to 26.99 % from its 17.49 % which increased the interest due to approximately {$4000.00},. The interest due plus the {$5000.00} unauthorized charge amount, and the actual amount owed of {$8000.00} brought the amount to {$18000.00}. I am liable for only {$8000.00}, plus the standard interest of 17.49 %. The bank did not investigate the fraud charges on my credit card account, but sold the debt to a junk debt buyer. I was not notified by the original creditor that the debt was sold, neither was I ever notified by the debt buyer that I owed the amount they claim. I was not given the opportunity to dispute this debt by the debt buyer, but received a complaint for a lawsuit for the full amount of {$18000.00} which I do not owe. This lawsuit should not be used to trigger a dispute with the debt buyer and it appears that there is a violation of the FDCPA. I do not owe the amount of the debt and I am again disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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: Account status incorrect

Complaint:
Problems with transUnion issue : THE XXXX  XXXX XXXX/ XXXX  - account closed. never used.- 10 point down. 

Between XX/XX/XXXX and XX/XX/XXXX, your XXXX   XXXX XXXX  automotive account balance decreased by {$390.00} from {$2500.00} to {$2100.00}. no increase in points XXXX XXXX XXXX- hard inquiry. 21 pts DOWN to XXXX To accounts closed and credit keeps going down because TransUnion notifies the bad but not the good! 

Please update the payments history and closed accounts How much will credit inquiries affect my score? 
The impact from applying for credit will vary from person to person based on their unique credit histories. In general, credit inquiries have a small impact on your FICO Scores. For most people, one additional credit inquiry will take less than five points off their FICO Scores. 

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 2018-02-15
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/XXXX I FILED A DISPUTE WITH EXPERIAN IN REGARDS TO A CHAPTER XXXX FILING XXXX THIS DISPUTE AFTER 1 YEAR WENT ALL THE WAY TO CONSUMER AFFAIRS ON XX/XX/2018 I SPOKE WITH A WORKER AT EXPERIAN THAT WENT BY XXXX HE SAID THAT THEY CALL THE CLERK OF THE COURT AND FOUND THAT THIS CHATER XXXX FILING WAS ACCURATE WHICH IS FOUND TO BE UN TRUE BECAUSE I FOLLOWED UP WITH THE US BANKRUPTCY COURT CLERKS  OFFICA AND THEY SAID THEY DO NOT TALK OVER THE PHONE WITH ANY ONE EVER CREDIT REPORTING AGENCIES WITHOUT PERMISSION FROM A JUDGE. THEN I PUT THIS ITEM IN DISPUTE AGAIN THE NEXT AGENT SAID THAT IT WAS VERFIED BY A 3 PARTY VENDOR ... ACCORDING TO THE FCRA ANY INFORMATION VERFIED BY A 3 PARTY VENDOR THE CONSUMER IS ENNTITLED TO THE NAME OF VENTOR AND DATE AND TIME IT WAS VERFIED.. FURTHMORE THIS CHAPTER XXXX WAS ORDER REMOVED BY THE JUDGE FROM ALL PUBLIC RECORDS ... THIS ITEM AS BEEN IN DISPUT 8 TIMES ...

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 2021-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: National Credit Adjusters, LLC
State: NV
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Resurgent Capital Services L.P.
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:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
We had a 42 month lease which was due to terminate in XXXX of XXXX. We paid off the balance remaining in order to fulfill our financial responsibility to the lease. The car was under the allowed mileage and in good shape. The lease was terminated on XX/XX/XXXX. On XX/XX/XXXX we received the attached letter ( dated XX/XX/XXXX ) which indicates a Gross Early Termination Amount of {$13000.00} and also indicates that the amount may be more. My husband and I called Chase immediately and spoke with XXXX ( XXXX at XXXX EST  XX/XX/XXXX ). XXXX was unable to explain why we received the letter and or explain the gross early termination amount. At one point she admitted the letter must have been sent in error but was still unsure of why we received the letter. We then asked to speak with a manager, XXXX ( XXXX at XXXX EST XX/XX/XXXX ) who was also unable to explain the charges or why we received the letter. This is concerning when no one at Chase can explain why we received a termination letter in the amount of {$13000.00} with the chance that it could be even more. The letter attached is deceptive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection notice from XXXX XXXX on XX/XX/XXXX, I've contacted them multiple times and explained to them this is not my account. I've contacted the Credit Bureaus as well and they continue to report this fraudulent collection on my XXXX  and XXXX XXXX Credit Reports.

I've been dealing with Identity Theft matters since XXXX and on XX/XX/XXXX I received multiple voicemail messages and emails, my bank accounts, credit card accounts and personal email accounts were compromised without my knowledge and/or consent. I called my bank ; I called all my credit card accounts and auto loan account. A person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account. They applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my credit card accounts, bank accounts and my email accounts. They also created fake email accounts in my name. Im confident that I know who did this to me, because this has happened before, and it was my mother and my brother. My moms name is XXXX XXXX XXXX and my brothers name is XXXX XXXX XXXX. My mother and brother have all my personal information and I believe they are trying to destroy my life. 

I had fraud alerts on my credit profile, but they were still able to access my credit profile. Ive had an on-going battle with the credit bureaus and creditors trying to clear my name from this fraudulent activity. I continue to write to the credit bureaus and Creditors Bureaus USA Collection Company ; however, I continuously receive responses from the credit bureaus and creditors that this account is verify as accurate and correct. This has got to stop ; the credit bureaus and creditors need to immediately clear my name from this fraudulent activity. I will continue to fight and clear my name and I will utilize every legal resource to clear my name from this continued fraudulent activity. I will be filing additional complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission. I will also take legal action against the credit bureaus and creditors if they do not clear my name from this fraudulent activity.

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 2019-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have tried numerous times to create and online account to be able to make my payments easier and they will not allow me. I have tried calling numerous times and still they will not allow me. I have called them and last time verified all my information and still they said it wasnt me and would not allow me to speak about anything on the account, were very rude toned etc toward me. With my hours at work its hard to have to call and pay and now they wont even allow me to use an automated system to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: World Acceptance Corporation
State: IN
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:
World Finance keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX World Finance no longer owns the debt and should not be reporting the debt.

Company response to consumer: Closed with explanation