BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
My account is in deferment due to COVID 19. I am XXXX. The credit card company is still charging interest on my balance. this is not helping me. by doing this, they are forcing my account to go over its limit, and will accrue penalties for this. I can not pay my bills. This needs to stop, the accrued interest. These companies are making a profit. 
I asked to have the apr reduced, they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX 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 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 explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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 am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Genesis FS Card Services, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently made a payment on XX/XX/2022 for the past due amount of {$80.00}. I received a notification that the payment was processing and will be applied in two business days. I checked my account on their website and the payment was processed. I checked my email yesterday and was told that my payment was reversed was not told why as to why it was reversed. I dont have extra to pay this if Im trying to get my credit in order so I can purchase a home in the new year. I felt this company is doing something fraudulent or reversing my payments once they are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a wells Fargo business and personal checking account. I called at XXXX XXXX central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? 

This female was not at all in a mood to do the work? 
When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
Hello, Equifax and XXXX provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank one has reported me to the credit bureaus for a credit I didnt open. I call twice and was told they have closed the account but its still being report to credit bureaus. I never received a card from Bank one. They will not disclose transactions on the card. 

I am requesting a copy of the credit application and all transactions and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: TN
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:
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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, XXXX, and Experian. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.

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 2023-05-12
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for credit with XXXX XXXX. They said they needed me to come in person and bring my government i.d . and my social security card. When I did, they said the information from their underwriting indicated that my social security number was associated with a deceased person. Upon further research, I found out the source of this significantly incorrect information was Lexis Nexis and that they had been reporting this since XXXX of XXXX. I reached out to Lexis Nexis on XX/XX/XXXX and was told to submit my issue and upload my driver 's license and social security card on their site, which I did on XX/XX/XXXX. I phoned Lexis Nexis on XX/XX/XXXX and was told this was still being researched. 

This is a HUGE issue for me and is creating problems over which I have no control. The fact it happened is disturbing and their lack of response time to correct it is unacceptable. I am now trying to renew my XXXX XXXX and it is still pending. My husband 's was renewed within a few days. I am now two weeks in and we submitted our renewal requests the same day. This is incredibly stressful and distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Trident Asset Management, L.L.C.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company has accessed and misused personal information and attempted to collect a debt. According to the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry ) Trident Asset Management is not licensed in the state of Texas as a valid entity. Therefore, In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Buy Now Pay Later loan would Prove to be Unmanageable. 

Was approved for an Affirm, buy now pay later loan through XXXX 's checkout as a option to pay for {$100.00} order successfully placed on XX/XX/22. 

I was welcomed into the Affirm family of products and service where transparency, flexibility, and fairness is key to their brand and mission. https : //www.affirm.com/how-it-works/why-affirm. 

Received a friendly reminder notice in my inbox on XX/XX/22 informing me of my first payment date. 

Displayed in the body of message was the current payment amount, due date, and the only time I would see a remaining balance associated with this loan. 

To accomplish most if not all tasks on Affirms products and services online will require logging into an established account to manage your loan, request documentation, or respond to support request. 

I was not able to setup my account due to complication in Affirm 's account records. 

A call to Customer Support at XXXX XXXX ( the only number that is available to contact Affirm ) on XX/XX/22. 
I was told that the account connected to my loan was under the name and number of a different party. They would not offer details on the account beyond that. 

Customer service would only offer to escalate my request to the next level and make a promise to me a for a call back within 3-5 business days once a solution was found. I would never received that or any call from Affirm ( for anything ).

I made my next 4 payments on time and in full over the phone with Customer Service. Each time spending hours on the phone with customer service getting nowhere. 

I made a request for help setting up an account to manage my loans, asked for receipts, loan balances and due dates to be sent to my addresses at each conversation. 

I never received a call, statement, payment receipt, loan balance or payment schedule for this loan. I was never granted access to an account to manage my loan or offered a resolution for my many support request. 

Affirm failed to be transparent, fixable and fair on all matters associated with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX. I began payments XX/XX/XXXX of {$1400.00} with a fixed rate of 3.5 % for the term of the loan. The principal was {$1000.00} with {$460.00} going into eccrow. After closing outta pocket cost that included taxes and insurance my escrow balance was {$1.00}, XXXX starting in XXXX of XXXX, with {$4400.00} being added into that escrow account for the remaining four month left in the year. From XX/XX/XXXX till XX/XX/XXXX with {$460.00} being paid into escrow those months totaled {$3200.00}. The combined four months in XXXX and the seven month in XXXX equal the sum of {$5100.00} just in escrow for that loan account, that I paid monthly, this does not include the remains balance leftover from closing cost after taxes and insurance were paid. In XXXX of XXXX I received a notice from PennyMac saying they were raising my mortgage payments from {$1400.00} to XXXX. I Filed a dispute because I never signed or agreed to any type of Loan from PennyMac or XXXX  XXXX XXXX so I sent out and Affidavit to PennyMac requesting proof of contract in XXXX of XXXX with tracking number XXXX. PennyMac did not provide any proof of contract all they responded with was that my mortgage went up due to increase in my homeowners insurance. Which could not be true because I paid for my home owners insurance outta pocket in full for the year directly to the insurance company on XX/XX/XXXX. PennyMac and XXXX  XXXX XXXX has failed to show where this escrow money went and explain why they sent my escrow insurance money back to cause my increase in my mortgage. I was never late or missed any payments until PennyMac XXXX  XXXX XXXX conducted this fraudulent action. Which appears to be a form of loan flipping. they are attempting to get me to refinance my loan so I can go further into debt and they cause a foreclosure. By them raising my mortgage under the disguise of a insurance increase. Because I had the insurance paid in full and in escrow and they returned it and then repaid the insurance on a Loan that are debt collectors on. I did not take out a Loan from PennyMac or XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called XXXX XXXX  ( operated by XXXX ) after I received an invoice for a missed toll payment on XXXX XXXX. I did not realize that my transponder was not working at the time, so toll charge of {$4.00} was not charged. I called ( XXXX ) and paid this particular toll, then learned that this was actually the second time that I had a missed toll charge. The first missed toll invoice was sent in an invoice back in XXXX, amounting to $ XXXX. I never received this invoice. It was sent to Nationwide Credit Corporation ( XXXX ) for collections. I never received a bill or debt notice from either XXXX XXXX  or Nationwide Credit Corporation about this particular debt. When I called NCC to pay the charge, they told me that the debt is now over $ XXXX, because of their administrative fee. They told me the administrative fee goes up incrementally over time, now amounting to {$120.00}. If I had known about the bill, or even the debt, I would have addressed it sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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