BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I, an XXXX XXXX, cardmember with Discover Card. I just discovered that the interest on my Discover card was very high. I had noticed this awhile back but, did not have the time to check into why it was so high. I contacted DiscoverXX/XX/XXXX to discuss several issues, and the one I could not get a good answer for was being charged two interest rates since XXXX. I discovered that I have be charged since XXXX, and extra interest rate for missing a payment. I when I stated I have not missed a payment, I was then told it could be charged for a late payment. I have had s few late payments, however I have not missed a payment. 

This situation upsets me because I was not notified that this had happened at a time that I could have disputed it sooner. Also, how do I know as a consumer that the person that put this on my account was not having a bad day and decided to take it out on me. I should have been notified that this was happening so that I could dispute it right away.. At, the present time, no one seems to be able to tell me what or who decided this so that I could speak to them to correct it. No one should be able to add charges to your account without you knowledge, I have been spending a lot on interest and was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
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:
this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted regions Bank on XXXX to dispute transactions on my account that I didnt make or recognize, I spoke with several agents that continued to forward me to other agents repeatedly and finally I got to an agent who told me she would be helping me file the dispute, She ask me some questions about if my card had been misplaced or stolen which I explained to her that I still had posession of my card and had not misplaced it she then ask me to give her the merchant names and amounts for the transactions I needed to dispute so I provided her with those and after asking me a few other questions, canceling my debit card and ordering a new one she told me the dispute was successfully filed and informed me that " Check card claims '' are completed after 10 days ... XXXX XXXX I contacted Regions to ask about the status of my claim and was told by the agent that she didn't see a active claim on my account I explained I filed the claim on XXXX but she still said she seen no active claim and she couldn't help me since she didn't see the claim so I contacted Regions again on XXXX to ask about my claim status and was told by this agent that she also didn't see an active claim on my account I kept insisting the claim was filed and told her the name of the agent who assisted me in filing it and she then said she did see a claim in my account and it was denied she told me I would receive a letter explaining why it was denied, which i did finally receive and it stated that my claim was denied based on " No report of card loss, theft or comproise were reported and transactions passed fraud analysis ''. I have contacted regions again several times since the denial and was told diffrent things everytime by each agent, i spoke with one agent who told me to contact the fraud department, others just transfer my call again and again or place me on hold for endless amounts of time and one agent even said that I had to provide a police report to reopen my denied claim I explained that I had no police report since my card was never stolen to my knowledge I had no reason for a police report and once again I informed the agent that I was admitted in to the hospital on XX/XX/2022 and was not XXXX until XX/XX/2022 which was during the time the fradulant transactions occured I also faxed my XXXX XXXX papers to the fax number provided in my denial letter that show the date I was admitted and date I was XXXX ... .The date of the fraudulent transactions that I disputed were made on XX/XX/2022, XX/XX/2022 and XX/XX/2022 which were during the dates of my 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 2017-04-12
Company: Bliksum, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX from XXXX XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact XXXX owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with XXXX, her employer. The phone number she gave was XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly contacted this company in an attempt to get this debt verified as it does not belong to me. Perfection Collection is not the original debt holder and refuses to give me any information about who they purchased the debt from. They simply make snarky, rude comments and then hang up the phone. On my credit report it says this debt originates from a XXXX XXXX Credit Card. I have never owned a XXXX XXXX Credit Card and no one at XXXX XXXX can find any information about any account ever being opened in my name. In addition to refusing to give me any information about the origin of the debt, Perfection Collection refuses to investigate its validity as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-29
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Seterus, Inc.
State: SC
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 occurred from XX/XX/XXXX-XX/XX/XXXX The company is Seterus INC of XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. Seterus has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( Seterus ), and even had a credit helping agency work on our behalf, but Seterus will not remove it, and it is false and erroneous.

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 2022-08-29
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection company NATIONAL CREDIT AUDIT CO ( " NCAC '' ) reported to the three major of credit bureaus that me and my husband XXXX XXXX owe their customer {$7600.00}. That is inaccurate and made my credit score got damage very much. Below are some information about how this collection company violated the law : - I dont own the creditor anything regarding to the fact that I signed up for the first year leasing and renewed for the second year. I moved out and the end of the renewed lease with a proper notice as they requested, I did not request and didnt agreed on any renewal for the third year. And of course, the last rent was paid fully, on time and accurate ( see in the report that I extracted from their database ) - I did NOT receive any notice from Creditor ( XXXX XXXX ) about my debt. It was a surprise and shock when the debt collector contacts me about the debt that I never own. Therefore, the creditor also violated the law by not sending the written notice as debt validation letter within five days of the collectors initial attempt to contact me as the consumer. 
- I disputed the alleged debt and requested the debt collector company to provide the proof and validation. The collector company did not provide the validation proof. So the alleged debt is invalid too. Please see the timeline and details that I recap below : * XX/XX/2022, we got an email from XXXX XXXX, said he/she is the debt collector and asked us to pay {$7600.00}. At first, we thought that was a scam, because in the email that they sent, we don't know where the debt came from, it was just saying that XXXX XXXX, the leasing office that after 01 year since we moved out, weve never heard anything from XXXX XXXX and we owe them anything. 
* XX/XX/2022 : we replied by sending an email to XXXX XXXX, the debt collector to dispute the alleged debt and requested the debt collector company to provide the proof and validation, and I also provided them my mailing address ( see attached email for details ) and we havent never ever heard anything from this collector, not even a reply email or any letter in mailbox. 
* XX/XX/2022 : the credit score report showed that debt and the score is damaged. 
* XX/XX/2022 : I received the FIRST and the ONLY one letter from NATIONAL CREDIT AUDIT CO. In the letter, the prepare date was XX/XX/2022, but in the US Postage envelop is XX/XX/2022. The letter said that I have been offered a variety of payment but I didnt take advantage of it. That is not true, I did not receive any letter from them before this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed my auto loan account, Santander Consumer USA ( XXXX ) with XXXX, XXXX, and XXXX due to the fact that the status updated is reporting inaccurately ( XX/XX/2016 ). I have also reached out to Santander in regards to this matter. Santander has failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have 5 capitol one credit cards. They closed all 5 accounts because they do not like the way I 'm using them. I have had one for 9 years and it accumulates points to purchase a new XXXX XXXX  product. I have accumulated thousands of dollars to be taken off a GM product. They closed all accounts without giving me time to cash in the dollar amount for a GM product or I can cash in for a monetary dollar amount. I have never been late on any of these accounts and they will not tell me what I did wrong. I owe over {$6000.00} on the main GM capitol one credit card. They also closed my wife 's capitol one credit card account. No good reason has been given to me except I have accumulated Thousands of dollars off a new GM product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22 I noticed something called credit balance refund debit in the amount of {$1400.00} on my account. I called and was told I had overpaid my credit card and a check was being sent to me. It was only overpaid due to pending charges. They said they would put a stop payment on the check and refund the money to my account. This has not happened despite speaking to at least 15 different people and hours on the phone. Yesterday we received a call from someone who identified themselves as a supervisor from BOA corporate. He had Inframation on the amount of credit I was waiting on as well as other personal information. I confirmed certain information and was told my account would be credited in a few hours. Didnt happen. Several hours later I get a fraud alert on my phone that someone is trying to use that account number to buy about {$2000.00} at an XXXX store. Because of this my account is now locked. I called again this morning and was told because the account is now locked they cant discuss this with me and I need to go to a branch. Im in Montana for a few months and the nearest branch is in Michigan. To top it off, the number that called me and said it was corporate, somehow hacked my phone. Ive had to purchase XXXX today to ensure my information is secure. I feel someone from BOA may have provided info to a scammer as my account was so messed up. So now I cant get to a branch. I cant get my money back and worse I have to pay the balance again to BOA because its due and I dont want it to effect my credit. Im XXXX miles from home and have a budget to get home. They have put me in an awful position. Their customer service is terrible. Spoke to 15 people and got 15 different explanations, none of which has ever been true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
Company: AmeriCollect
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am enrolled in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX coverage. XXXX  covers all deductibles, copayments and coinsurance on services covered by XXXX. I have sent all the information needed to Americollect, XXXX XXXX XXXX, XXXX, WI XXXX, phone : XXXX ( my XXXX   enrollment information and the information they need to collect payment ) but they keep on sending me a form asking for the same information. 
This is for a bill of {$45.00} for services rendered by XXXX XXXX XXXX on XX/XX/19 at XXXX XXXX in XXXX XXXX, Florida. 
I contacted the XXXX XXXX XXXX XXXX   billing company on XX/XX/19 with my XXXX  information. I contacted them again on XX/XX/19 and I was told to disregard the bill. I then received an invoice from Americollect and sent all the requested information on XX/XX/19. I have since received the same forms in XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Seattle Service Bureau, Inc
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
National Service Bureau, Debt collection agency contacted me to state that they are going to sue me ( the first time I spoke with them ) and that I took out a debt and continues to call and hang up on me. After notifying the agency that I would be contacting my civil attorney in regards to disputing this debt, XXXX, the debt collector continued to hang up on me after I tried several times to have a conversation with him in regards to this account. He then called my home phone number leaving a message asking for another person who is not my spouse to talk about my debt.

Company response to consumer: Closed
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Walmart CapitalOne Credit Card. 
Transaction Date : XX/XX/2022 Transaction Amount : {$68.00} I have submitted to make payment on XX/XX/2022 and I thought it was successful. I did not receive any email communication if the transaction was not successful. 

XXXX Month : Interest with late fees. 
XXXX Month : Interest with late fees. 

I have not received the emails to my Inbox, CapitalOne email notifications go to my scam email box. Interestingly. their advertisement emails are being received in Inbox though. 

In between, I have not received any mail communication. On XXXX month, I received the last mail where I called the CapitalOne Bank. They waived month interest and late fees and we agreed to pay {$96.00} and close the account. 

When I paid {$96.00} for a transaction of {$68.00}, it is fraud that they have impacted my credit report. There is a XXXX point drop in my credit report reported by XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a XXXX TV at Best Buy. The salesperson offered me a store credit card with " 24  MONTHS ZERO INTEREST ''. I did not need the credit but it was such an attractive offer I decided to take it. This happened in XX/XX/XXXX. In early XX/XX/XXXX I noticed I was being charged interest. I contacted the company. It's customer service representative told me he would rescind the interest. THIS CONFIRMED TO ME I WAS CORRECT ABOUT MY UNDERSTANDING OF THE PARAMETERS ASSOCIATED WITH THIS CREDIT CARD. 

I always pay more than the minimum amount and pay off my balances before the zero percent offer expires. It wasn't until XX/XX/XXXX I noticed Citi was charging me interest again. I spoke with a manager this time. I told him I had zero percent interest and he corrected me : it was only with regard to items purchased at Best Buy. I closed my account immediately and paid off the complete balance ( except for the interest ) immediately. 

Unfortunately, I had set up an auto pay for the minimum and Citi continued to take the money from my account for 5 more months!! I contacted the XXXX   and California Attorney General. Citi has told me to pound sand!!! They sent me a form letter without acknowledging any of the specifics or even mentioning their fraudulent practices.

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