BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
I have submitted disputes to you and i didn't get a response within 30 days and you all are required by law to do so please investigate my disputes. Please thank you

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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED MUILPLY TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT XXXX. XXXX 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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.

Transunion is govern by 15 USC 1681.And they violated my rights numerous times.

I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish this account. XXXX XXXX XXXXXXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

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 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX, a natural person/consumer. On XX/XX/2022 I called into Capital One and spoke with an associate by the name of XXXX in reference to the two disputes I have with Capital One. 

XXXX ) XXXX in the amount of {$660.00} XXXX ) XXXX in the amount of {$120.00} The prior representative stated on a recorded line that if the transactions were unauthorized electronic funds transfers as a result of fraud I will need to cancel my current debit card and have a new one issued to me in order to have the funds returned and the case closed out. Per the agent 's request I closed my old card and was sent a new one due to the fraud that has taken place. I informed XXXX that I filed these disputes 72 hours prior to speaking with him and I still have not received my provisional credit pursuant to 15 USC 1693. XXXX stated he would place me on hold while he got to the bottom of the issue. While on hold for 10 minutes XXXX came back to the line and simultaneously I received an email stating my dispute had been denied. I then asked XXXX why was this the case? Also, how was the case reviewed so quickly based off of my call if the charges were over a span of 2 years? XXXX had no clear answers and he was also uneducated in the area of law so I decided to speak with a XXXX. I then spoke with XXXX who was pretty much at the same knowledge level as XXXX as it pertains to the laws that were violated by Capital One to me the consumer. Below are a list of violations that Capital One has damaged me with : 15 USC 1693f ( c ) - Provisional recredit of consumers account 15 USC 1693f ( e ) ( XXXX ) ( XXXX ) - Treble damages 15 USC 1693f ( f ) ( XXXX ) - an unauthorized electronic fund transfer 15 USC 1692h- Multiple Debts 15 USC 1602p- Unauthorized use I advised all of the agents that I have spoken with that this has been completely damaging to me and my family and no one in that company cared to look into the facts to help with the scenario. It seems as though there is a conspiracy to use my identity for fraud and that the company is allowing such to take place on my behalf. I want this matter rectified IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my account.

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 2022-08-02
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-08-23
Company: Experian Information Solutions Inc.
State: TN
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:
There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to 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 2022-08-02
Company: JPMORGAN CHASE & CO.
State: FL
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:
This relates to the Amazon Chase credit card. I ordered a camera on XXXX through an 18 month interest free purchase period. This is a feature available to card holders, either this or 5 % back on the purchase value. After the first month my autopay on the account paid the full balance that was owed 18 months from now listed on the Chase credit card statement, over drafting my checking account.

When I called Chase they told me they could refund the payment, but I would owe the 20.74 % on the purchase as they could not reapply the interest free promotion to the amount. They told me it was my fault for not switching my auto pay to Interest Free Balance. The problem is, the Interest Free Balance option was not available when setting up autopay. It was only available after making the 18 month interest free purchase. The only options available prior to this were Statement Balance ( which it was set to ) or Minimum Payment. So someone would just need to know to go into their account and change it on their own after making an deferred interest purchase. 

Also, when I tried to update it after this interaction, clicking Done does not actually update the selection. So if a user updates the selection and clicks Done then backs out, they did not update their selection. They have to select Done after changing their interest payment option, then scroll down and check an acknowledgement box, then press submit at the bottom of the page. I work as a XXXX XXXX XXXX  and consider this to be a confusing interface. Given how I was being forced to fulfill the payment or owe 20.74 % of the purchase value, I would argue it is intentionally confusing to trick users into thinking they did update their settings. Even then, they would have to know it needs to be updated in the first place. 

Well, I didnt want to pay 20.74 %, so I moved money around to my checking account to avoid the overdraft fee before the end of the day. I then called Chase back and asked if I could at least get the 5 % back on the purchase since the 18 month promotion was not honored. They told me no and said I would have had to request it within 3 days of making the purchase.

I find the entire interaction intentionally predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Bridgecrest Acceptance Corporation
State: WA
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:
I have been making payments from my bank account for over 18 months on autopay. This month the company had difficulty taking funds, as detailed to me from the employee. I called multiple times to verify my funds were being processed and all was secure. Continually got the clear. Then they call today to tell me they no longer work with my bank and Im past due/marked my credit. Ive had the money in my account, Ive made the payments through their system, Ive been assured by their employees, now they hit me with a delinquency when they stopped working with my bank. Additionally charged me fees! This company is corrupt and sick.

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 2022-08-23
Company: SUNRISE CREDIT SERVICES, INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This bill was never mine. XXXX XXXX i do not know anything regarding to this bill that was mail to my name. Please fix this matter.

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 2022-09-29
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau did not notify my in time of the status of the reinvestigation that was received XX/XX/2022. Instead Equifax/Equifax credit bureau replied to my CFPB complaint XXXX with the status, XX/XX/2022, after 30 days. Equifax/Equifax credit bureau had ample amount of time to do the re-investigation and notify me of the status but instead they failed to notify me of the status. They are in violation of 15 usc 1681i because Equifax/Equifax did not provide me with the status of the reinvestigation. Therefore Equifax are to delete/remove the remaining accounts I wrote in about listed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On are around XXXX I saw a lot of pre-approval on Credit Karma . At first I didn't pay it any attention, but Credit Karma keep sending me all sorts of different Pre-Approval telling me that I was pre-approved for credit card and personal and that I refinance my car. Everyday I would see these offers every time I logged into Credit Karma to check my credit score. After a few month of being told that I was approved, I thought I was now in a perfect place to apply. I got so many offers thru Credit Karma, I started telling my whole family about vacation and investments. We were going to use these pre-appovals for. I finally applied on or around XXXX and got denied for several credit cards and a personal loan.I was very distraught, I was very very angry and I felt deceived.I was marketed for months. Credit Karma telling me I was pre-approved. This was a Lie.I was severely stress out. I was nauseous, I had migraines so bad I became anti-social, my XXXX  went from XXXX. Now every time I see a pre-approval I immediately close my phone and shut my computer off.This has made me so uneasy and XXXX  that I haven't check my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at XXXX XXXX XXXX XXXX, from XX/XX/XXXX-XX/XX/XXXX for their XXXX XXXX XXXX. 
I was force into taking out loans that I could not afford and I was promised high paying XXXX XXXX position once I graduate. Which did not happen at all. Once I was done with the program. I begin to struggle to pay back the loans due to working XXXX  and making {$9.00} per hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a payment request through PayPal from a fraudulent source. I contacted Paypal and they refuse to investigate it as fraud or remove the request from my account. Their automated resolution center also rejects reports of fraud for this " type '' of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

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 2021-11-19
Company: Self Financial Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I opened a SELF credit builder account XX/XX/2021. My monthly payments have added up to {$250.00}. I closed my account XX/XX/2021 due to SELF not assisting me in building my credit. In fact, it has nothing. SELF is not refunding me my money. Also, they have stated the additional fees that were not made clear that they are taking out. When I closed the account, I received an email stating the account would close at XXXX XXXX. on XX/XX/2021 and that my money would be refunded to my bank. SELF is now taking out additional fees and procrastinating with my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
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:
Currently in repayment agreement with Weltman , Weinberg & Reis Co., LPA XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, MI XXXX. Agreement for Weltman, Weinberg & Reis collection for XXXX XXXX account, started XX/XX/XXXX, {$100.00} per month. I have paid each month with the exception of 1 or 2 months in XXXX, called to reported unable to pay. I was allowed to skip 1 payment in XXXX, the other time I had to make a {$200.00} payment to make up for beign unable to pay. This summer, my money was difficult to make payment due to increase in gas adn groceries. XXXX XXXX for work and in XXXX I was paying {$330.00} a week for gas due to prices hike and was unable to pay several old debts just to make it. I talked with agent from lawyer firm in XXXX, she was suppose to get back to me to see if they could lower payment for six months. I received a call from agen in XXXX stating they were not able to decrease payment and wanted to know when I would pay. I agreed to pay {$100.00} the end of XXXX and was not able to just yet because of finance and increase in groceries and bills. I called on XX/XX/XXXX, spoke with agent assigned to my account, She informed me that she allowed my to miss one month and this bill will take too long to pay off so options has changed. I was told my option was to pay the remaining balance of {$7000.00}, or the monthly payment will increase to {$300.00} to pay off in 2 years. I told her I would not be able to do that as I have 8 other old debtors, rent, groceries, and food to pay. I was told my account is pending and as of today it is processing to garnishment. I asked how could my account go from pending to garnishment during this call. The agent tried to correct herself by saying I am not familiar with the process, it takes time to garnish, and I need to pay the new amount of {$300.00} to get back on a monthly payment. I again told the agent, I can not pay that and that I was not understanding I am trying to pay {$100.00} today and you will not take my payment. The agent said there is a good faith payment and this may not stop the garnishment. I informed the agent, I will be contacting the lawyer firm from my employer to find out how you can protect youself from debt collectors where you have made payments each month over 2 -1/2 years except for 2 or 3 payments and being threaten for garnishement. I was provided CFPB to complain against this lawyer firm.

Company response to consumer: Closed with explanation