BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019 Experian deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 Experian turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my Experian Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from XXXX as well. XXXX  did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my XXXX  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

XXXX has removed both of the Public Records ( Bankruptcies ), from my XXXX   Credit Report, due to inaccuracies. Thank you XXXX. 

Experian and XXXX has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my 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 2020-03-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is the second time I have had this issue with this Bank. 

The problem is that they keep posting transactions in ways such that I will have an overdraft. 

Just two weeks ago, I paid my phone bill on a Friday when they were funds available to the account. 

The amount was {$170.00}. 

It stayed in the pending status for a couple of days, and then another transaction came through and they hit me with overdraft fees for, I believe two transactions. 

Just this Friday, a credit card payment was scheduled in the amount of {$38.00}. 

That means that the money was supposed to come out of the account at midnight on Thursday. And this payment was scheduled with the credit card company 3 days before the transaction was supposed to happen. 

In practice, what happened is they waited until Friday or Saturday night to post the transaction, at which point the account went into overdraft. 

If the payment had been set up for the proper time, then it would have taken away from the available balance on the account and the issue would have been solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called in to open my account back up with capitol one and pay the card off so I could get back to building my credit. 
I had fallen on a tough time so there was a point in time where I couldn't really make payments. 
When I called in to make the payment, the agent on the phone told me if I did make a payment that day, and paid off most of the balance they would reopen my card. 
It's been a week, and when I called today another representative has told me I would not be able to reopen the acct and I would have to open another credit line. 
I feel the original collector deceived me into a payment at this point and I am out XXXX $ on a XXXX $ credit card!! when I could of just been givin the option to pay it off over time rather than be lied to collect a payment that day. 
Now I have called my bank to file a dispute on the charge on my account since I was lied to into collecting the debt. He was trying really hard to make me make a payment on the phone, however I did not feel right with how persistent he was so I went ahead and made it online. None the less I was still lied to into making a payment, and now I don't know how I'm going to pay my bills right now because I trusted the fact they would reopen my card. 

All this was done on the phone, so the recording would be with the company. It would be the phone call before the last one I made today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: GA
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 reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.

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 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 I went to the bank and deposited checks which added to {$400.00}. I looked in my checking account later and saw that {$200.00} had been subtracted. When I made inquiries at the bank regarding about the {$200.00} I was told that they could only account for {$200.00}. I was asked if I had scanned the checks or knew who had given me the check and I told them I have been banking at BoA for over 20 years and was not ever told I needed to scan the checks. I received the checks while at a conference and I do not know all the persons who gave me the checks. I asked if someone dropped or lost my checks before they scanned them and I was told no. I have a receipt showing what was deposited and I think some numbers had to been put in to show how I got the receipt. I was told that the tellers never put in the numbers and they just enter what ever the customer states on the slip. I put in a complaint and XXXX of the business office told me I me that I needed to go to the Bank where the transaction took place, speak with them about the problem. I returned to the bank and was told by Ms XXXX that the tellers do not enter the checks just the number that person said they were submitting. The bank sent me copies of the checks they could account for from me. I did notice that the deposit slip they sent as what I turned in was not the one I filled out. It was a form someone else submitted showing just the {$400.00}, not the listing of checks that I filled out on the form. I would like to get the return of my money if possible. I still have my receipt and the copy they sent me regarding this issue. I can not understand how I can be held responsible for this problem and no one taking account the bank could have made an error. My missing checks could have been dropped or misplaced. I do not know how to scan the papers to you but I can put them in the mail if it will help. Is there an address and person where I can send the copy of my receipt and the letter I received?

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 2019-06-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Were it not for the colossal failure of data security at Equifax or its inexplicably legal business model of furnishing an enormous trove of personal information without consent, I would not have had to place a security freeze on my credit report in the first place. When I initially placed the freeze over a year ago, the process to unlock the freeze with Equifax was more straightforward. I was given a 10-digit pin that would allow me to lift the freeze should I ever be inclined to apply for credit.

Now Equifax has phased-out this old process in favor of a new product called Lock and Alert, which nullified the PIN I was originally given to lift the freeze. Instead, I was directed to take their ID quiz whose questions had nothing to do with any credit history, public record or tradeline I have ever held. To my amusement, I failed this quiz, because no option applied to me for any question it generated. I actually work for a credit card company in their fraud prevention department, which makes this all terribly ironic, but I've used a similar product with our own customers, and I feel this gives me special credence to say that this product is utter garbage. These ID quizzes frequently fail legitimate customers and perpetrators of fraud often pass, because they know how the questions are generated based on the info in the CBR. 

So the next step is a passcode letter, mailed to my address where I've lived for a couple years now. Upon receipt of the letter, I went back to the website and entered the code, only to be given a message that this request can not be processed at this time, and to call in. I did not call, as I do not wish to speak with some XXXX who will certainly be unable to help me. This is now a weeks-long saga of trying to create an account -- not even to lift the freeze at this time, just to have the ability to lift it if I need to. 

I'm not surprised that Equifax has made this process so difficult. They can provide all their talking points about keeping my information safe, but I know better. Their business model depends on selling access to reports and information to creditors. Security freezes put too much control back into the hands of consumers, so it's in Equifax 's interest to put up roadblocks to enroll in this account, especially given that it's free. It's not a subscription-based service like their overpriced, junk credit monitoring products that rely on scare tactics, and in reality do nothing to prevent credit applications from being instantly approved online. Instead, Equifax only stands to lose by allowing more control to consumers over access to their reports. A security freeze is the only true way to secure your information, but it runs afoul of their business. I think they know this all too well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
dont know why this account is on my credit report. I need it verified.

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 2019-06-20
Company: Westwood Legal
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NC
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:
This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander Consumer USA is the name of the financial institution. I bought a car from XXXX XXXX in XXXX, TN where I reside. It was a 2012 XXXX XXXX. They sold me the car for {$14000.00}. I paid {$2000.00} dollars down on the vehicle. Santander Consumer USA loaned me {$12000.00} at a 24 % interest rate. Theyre saying I still owe them almost {$7000.00}. Ive paid them {$300.00} for 46 months. If I was to pay them any moneys after what I believe to be the last two payments of {$300.00} it would be outside the fair market value of the car and further violative of both federal and state laws governing lending institutions. There principle place of business is located in XXXX XXXX, Texas XXXX, XXXX. XXXX XXXX. ( XXXX ) XXXX. That their lending having me to pay another {$7000.00} should be treated as usury interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2013 I loaned a car, a XXXX XXXX XXXX XXXX, which I was set to pay off over a 72 months period. At the end of the 72 months period while I was preparing to make my final payment, the car dealership, Santander U.S.A, Notified me that they had extended my loan. I've been paying off the balance but it never truly goes down ; I was not in the position to confront this problem before but i refuse to let Santander U.S.A take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I live in XXXX, NC and I bought a car in XXXX XXXX, SC for a new, 2019 XXXX XXXX XXXX. There are a few problems that I have had with this financial contract/ agreement. I financed the car through American Honda Financial. 

The first problem is that I had was the car being repossessed. I struggled to find if the law of SC or the law of NC applied to this contract. The contract said that SC state law was applicable but the finance company said differently. I was not issued a Right to Cure at anytime during the contract, but I also asked the repossession company to leave the car and they told me no. I have been told that this was a possible breach of peace in both states. The car was repossessed on XX/XX/2019. 

The second part of my issues is that the loan was done like a lease, with a balloon payment on it and a purchase option/ exchange option on the agreement. I attempted this prior to the car being taken because I was told by a local dealer that the car had a malfunctioning computer board. 

The third problem is, I called the financial company and was told that even though I made a payment arrangement, I was denied that and the car was repossessed. I was denied even speaking to the employee that made the payment agreement. They told me that I had to make the full purchase price of XXXX dollars to get the car back. I explained to them that I did not feel this was just because of the misleading purchase contract. I told them I was going to file bankruptcy and that it would be better for us both to work something out, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: GA
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:
I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.

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 2019-06-20
Company: First Data Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from XXXX XXXX XXXX and the creditor is XXXX. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for XXXX. I called XXXX and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call XXXX. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in XXXX. I need them to remove this from my record and not have this associated with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

I have had a secured credit card with capital one for several years now. I initially secured the credit card with {$500.00} usd and they have since increased the limit to {$600.00}. I am submitting this complaint because it has come to my attention that this was in fact a consumer credit transaction and Capital One taking a down payment from me in a consumer credit transaction is fraudulent. I have also become aware that the account is in billing error under 15 usc 1666 ( b ) and therefore Capital has forfeited their right to collect. it has also come to my attention that this card is part of an open ended consumer credit plan under 15 USC 1637, but the account has not been balancing out every month using the funds from my trust account as it should. Instead Capital One has been benefiting from unauthorized use of my open ended consumer credit plan while I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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:
EUQIFAX, XXXX AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | 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 INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
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:
On XX/XX/2016, the auto loan with XXXX XXXX XXXX XXXX was opened in the amount of {$3500.00} dollars, this loan was paid in full, I contacted the company to verify that it was paid in full and I was told that it was. I filled for bankruptcy around XX/XX/2016 and for some reason this account with XXXX XXXX XXXX XXXX was included in it, I called Experian and I disputed this account so that they can delete it from my credit report, I received a response from Experian by United States Postal Service and the account has not been deleted from my credit report. I need this account deleted from my credit report because it is affecting my credit score, my question is, how is this account on bankruptcy if I paid the balance in full and when I contacted the company that approved the loan, I was told the same thing by one of their representatives.

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