BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A call was recieved concerning collecting a debt on behalf of XXXX. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of XXXX. 

I was told I had two hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact XXXX XXXX XXXXNational Credit Adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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:
Capital One has committed Fraud on my Credit Card # XXXX. On XX/XX/XXXX Dr. XXXX charged my card {$140.00} for products I ordered. Then Capital One entered another charge of {$140.00} on XX/XX/XXXX. That same day they removed that charge. I notified Cap One that this product never was received and was not in my possession. On XX/XX/XXXX Capital One notified me that they were putting {$140.00} back on my card since the merchant provided a tracking number. I sent Capital One ( Transaction Support Center ) a two-page letter disputing this amount. No products were received. My dispute letter on XX/XX/XXXX to their Transaction Support Center remains unanswered. My XX/XX/XXXX dispute letter to XXXX XXXX, Chairman & CEO remains unanswered. My XX/XX/XXXX letter to Mr. XXXX also remains unanswered. On XX/XX/XXXX I s/w XXXX # XXXX without any success in getting the {$140.00} removed. On XX/XX/XXXX I s/w XXXX # XXXX still without any success. XX/XX/XXXX @ XXXX XXXX I s/w Val # XXXX & he would not provide me with his supervisors name. So, I requested to be transferred to his Supervisor. At XXXX XXXX XXXXXXXX # XXXX also refused to provide me with her supervisors name. She said it was Cap One Policy. She told me the {$140.00} was still on my card. I asked her to have her Manager call me and she refused. She said it was Cap One policy. I asked to be transferred to the technical department and she refused as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I obta  ined a Chase Credit Card Promotional Balance Transfer with 0 % interest ( 2 % up front lump sum charge charge ).
I inquired via a phone call with questions prior to obtaining the Promo Balance Transfer ( I used a check that was sent to me from Chase to obtain the balance transfer ). The main question was : If I use my credit card for regular purchases, will interest be charged if I pay the purchases, in full, at end of billing cycle. I was advised that I would not be charged any interest on purchases if paid by deadline of the billing cycle. Also, the writing with the Chase checks that were mailed to me did not disclose that any " new purchases '' will be charged interest from initial date of the new purchase, which contradicts my credit card agreement with Chase - m  y credit card agreement states that no interest will be charged for purchases that are paid for during the billing cycle grace period ( paid by the billing cycle " payment due date ''.     Once I took out th e Promo Balance Transfer - Chase h as started to charge interest on " new purchases '' from date of purchase and has eliminate the grace period.     A class action should be initiated aga inst Chase to recover customer interest paid on " new Purchases '' after a Promo Balance Tra nsfer was initiated which interest charges contradicts the consumer credit card billing and payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Self Financial Inc.
State: AL
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:
accounts on autopay. dont know why it has a late payment .... account is paid up in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
accounts on autopay. dont know why it has a late payment .... account is paid up in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX Balance {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance - XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX XXXX Inquiry Date XX/XX/2020 2020

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 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}

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 2016-12-18
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Other

Complaint:
Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
Under Experian My credit was pulled and had a total of 5 hard inquiries by the companies below without my consent. 
XX/XX/2021 & XX/XX/2021 XXXX XXXX  and XX/XX/2021 by 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 2020-03-05
Company: Experian Information Solutions 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:
Fraud accounts and inquires appearing on Experian and XXXX  report. 


XXXX account XXXX XXXX account and several inquires.

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 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America My monthly bill states I owe {$870.00} in big, bold numbers. If I read the small print do I realize my regular mortgage payment is only {$840.00}. The wording on the front page of the bill makes you believe you owe {$870.00} which is really the mortgage only if your mortgage is received after the XXXX of the month. The wording and design of this bill is very deceiving, and if my wife did n't really question why my mortgage had increased I would have paid the higher amount unnecessarily, and I believe, illegally. 
Bank of America needs to redesign the format of the mortgage bill to reflect the regular monthly payment as the TOTAL AMOUNT DUE in the the BOX with large letters.

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 2020-09-26
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
COMPANY CONTINUE TO HARRASMENT DISABLE VETERAN FOR ID FRAUD ACCOUNT NOT MINES AND NEVER HAD ANY " SEARS '' MASTERCARD ACCOUNT, POLICE REPORT FILE, FRAUD AFFIDAVIT FILED VIA MY ATTORNEY WITH " XXXX  AND FTC '', COMPANY REFUSE TO REPLY BACK TO " XXXX  '' ON ABOUT XX/XX/2020, DISPUTE VALIDATION OF DEBT AND NEVER SIGNED ANY APPLICATION FOR CREDIT CARD ... ..NOTE : VETERAN IS XXXX  XXXX  XXXX  AND XXXX  XXXX ... .VETERANS ON SOCIAL SECUIRTY/ VA PENSION ARE EXEMPT FROM JUDGEMENT OF PENSION XXXX  INCOME GARNISHMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In early XXXX I filled a dispute for transactions that were charged to me but not delivered, i stated I had obtained a log from the merchant admitting that the items were not received and stated I was due a refund but was unable to process it. However Chime still chose not to obtain this info and denied the dispute. I attempted to appeal the dispute and provided the information and was still denied. The only defense given to me was that the merchant had the right to not refund my money for any reason they chose regardless of if their own employees steal the items. I feel the bank made a decision in bad faith to protect the merchant without considering any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am a victim of debit card fraud. 1 suspect has been arrested. They stole {$6000.00} from me. The suspects were caught on video at every location using my card. Way 2 Go card company issued by Georgia Department of labor will not refund my money. The Police Department has arrested one suspect. The Police Department wanted the card company to contact them, but they won't. They have stopped answering my calls. How do I get my money back? Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Bank of America will not allow my daughter to be a co-trustee on a checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Medical Data Systems, Inc.
State: GA
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'm seeing a medical bill sent to me XXXX XXXX, XXXX, for a XXXX I had done in the summer of XXXX. This bill was wrongfully billed to me and should have been billed to the organization of the XXXX XXXX XXXX that I was playing for at the time. I also noticed my bank isn't on auto-bill which I'm almost happy about because this isn't supposed to be billed to me. I would like to first, get this removed from my credit report because now I can not get a mortgage on a home. I have a history of close to zero debt and I would like to be helped with this unfair situation that is marking down my credit.

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 2020-09-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with XXXX XXXX credit card, and they are unreasonable, aggressive, and unrespectful. 
I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. 
I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. 
Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MI
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 previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} Unknown XXXX Balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving letters from Thunderbird Collections Specialists Inc in regards to a medical bill that my fianc had with XXXX XXXX XXXX. This company has tried to report this to my credit report and saying that my last name is my fiancs which it is not. I have advise the collections agency that I am not responsible for this account since we are n't married at this time and that they needed to remove it off of my credit. I advise them to not contact me to my cell anymore. A few days goes by and they continue to contact me about this account, advise them again to quit contacting me. It has been weeks since the last call I have received, now I come home from work to get a treating letter that is address to me " who 's not responsible for the debt '' ... .... and the letter state " YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE ABOVE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY .... SINCERELY, THE PERSON NAME '' which is a treat to me and will not be stand for!!!! This account also should had been covered by her insurance from XXXX XXXX XXXX XXXX XXXX XXXX, which had fraud and internet breach around the time that they are saying it was n't paid. I am including XXXX different letters that have been sent from this company and that I view as collections treating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased a car in XXXX from XXXX XXXX XXXX XXXX XXXX and got financed through Nissan Motor Company from XXXX until XX/XX/XXXX I have made on-time payments to my account was never late. I started to look around XX/XX/XXXX to trade in my Nissan XXXX I went to XXXX dealerships and was informed that they can't find my name in the system as having a loan through Nissan motor corps stating I had a loan with their company. I went to XXXX XXXX  XXXX dealership to look at vehicles and was told by a manager that she too could not find me in the system as having an auto loan thorough Nissan at this time I started to feel scammed like I have been paying 6 years for a car that has no links to me so I immediately purchased another car and asked the bank to come to get it it wasn't until this time in XX/XX/XXXX that they ever reported my positive payments or that I ever seen them on my credit report until XXXX of this year with the negative and all the positives from the start of the loan they charged off the account but its showing on my account and I don't think this is fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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 previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX XXXX Balance {$890.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX 2013

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 2016-09-07
Company: U.S. BANCORP
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.

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