BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i used to have a credit card with XXXX XXXX XXXX, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company MIDLAND CREDIT MANAGEMENT, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with GE Capital, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.

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 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Bank of America - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these 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 2017-06-06
Company: Continental Finance Company, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by  XXXX   XXXX  (  XXXX  )  XXXX    XXXX   XXXX  , NV a  XXXX   XXXX   XXXX  for  XXXX   XXXX  and  XXXX   XXXX  Fl. I had called the office and spoke with  XXXX  and was set to call her back Tomorrow.  XXXX   XXXX  from  XXXX   XXXX  proceeded to call my elderly  XXXX   year old  mother in law and was verbally abusive and threatening. When I called  XXXX   XXXX  and  XXXX  with this information they told me he went " off script '' and was not reading the script provided to him.  XXXX   XXXX  threatened to be on MY door step here in Massachusetts on  XXXX   XXXX . What his intentions are I do not know. I am on social security  XXXX  and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called  XXXX   XXXX  back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year  Continental Finance Company had so meone call and personally threaten me. They were reported to the  XXXX  Police Department and were called while I was present in the room. This is not the first time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am an XXXX XXXX military member who signed up for Barclaycard 's XXXX XXXX which is known to carry an {$990.00} annual fee only because Barclays promised to waive the annual fee until my XXXX XXXX  XXXX commitment ended. I am a career military member with 15 years left of XXXX XXXX XXXX. All of a sudden Barclaycard 's XXXX XXXX sent me a letter saying that I would no longer receive the waived annual fees of {$990.00} and for my dependent 's additional card. I understand they are trying to get in align with the Servicemen Civil Reliefs Act ( SCRA ) but you can not above and beyond the SCRA to lure new applicants and then switch on those same customers. I understand not waiving them for new customers but they should honor those who applied before the changes. You can not mislead servicemembers with empty promises and affect their FICO scores by forcing to close their credit cards if they do not wish to pay the {$990.00} annual fee. Barclayscard is not honoring their original terms of the agreement. Barclayscard 's XXXX XXXX made the changes to their SCRA policy in XXXX XXXX, 2016 and I applied for the card well before and activate my card on XXXX XXXX, 2016 and my dependent 's on XXXX XXXX, 2016.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
some time on or about XX/XX/2018 I lost my XXXX and fall on a hardship and lost XXXX credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX  agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with XXXX and TransUnion and they refuse to delete for my credit file.

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 2020-08-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My wife and I applied for a Chase Freedom Unlimited card back in XX/XX/2020 after receiving a prescreened offer. After applying for the card, we were denied due to too many recent requests for credit or reviews of your credit. The day that we received the denial letter, I called in and explained to Chase Lending Services ( I believe the person I spoke to was XXXX ) that we had just purchased a brand new 2020 XXXXXXXX XXXX from a local XXXX dealership and we decided to shop for a better interest rate. Please note that our credit score was a XXXX out of XXXX per Chase credit pull and the only negative thing on our report was the recent inquiries. She stated that this was what led us to being denied. I then asked for her to review the file and with her knowing this background information, please reconsider the application. Fortunately she was able to review the application and she was able to get us approved with a $ XXXX credit line. I thought we were good to go. 

XXXX never mentioned to us the interest rate on the card. My assumption was that it would match the rate that we received on the prescreened offer of 14.99 % which would begin 15 months after the account opening as the card has a 0 % introductory rate. To our surprise, the card pricing information stated the rate would be 23.74 % after 0 % for 15 months ends. 

I have attempted to get this corrected by Chase multiple times. Tonight was the last straw as I spoke to three different individuals and was treated very rudely. One even suggested I keep the card for the 15 months and then immediately cancel. No one seems to want to help correct the interest rate issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have underwent a home loan modification with CitiMortgage. The agent explain to me as long as I make the XXXX payment ontime they will not report me negative to the credit bureau 's. But overall, I have been trying to get this matter cleared up since the long modification went through on my home. I made all payments on time and have not been late on payments since this modification. I have yet to get Citi Mortgage to hold their end of the agreement to make a correction to my credit report. Please help in this matter. I have been hung up on by several rep 's with no showing of concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a used auto loan with Capital One Finance that was given to me on XX/XX/XXXX. 
I was never late on the loan nor delinquent, On XX/XX/XXXX the vehicle was totaled by a drunk driver overnight and deemed a total loss. My insurance expedited the payment to the lender along with left over funds from a extended warranty plan to the lender. Upon receiving the lump sum, the lender decided to apply XXXX dollars of the loan towards interest, then the remaining amount towards the principal balance which left me with a balance due on the loan. I agreed to pay the remaining balance with was around {$870.00} dollars until it needed to be paid off no later than XX/XX/XXXX. I was then told that I would be able to get another car loan despite having a balance left although it may or may not be with Capital One Auto Finance. As I applied for loans next month I could not get any offers from other lenders because Capital One was still reporting to the other lenders that I had a collateral out for the whole loan amount of {$27000.00} instead of the remaining balance. When I called to ask the representative, I was told that until the full balance is paid off, capital one has the right to report the original loan amount to the credit bureaus as they see fit! Had I known this I would've just paid the whole balance off completely! It is now XX/XX/XXXX and I have had the account paid in full since XX/XX/XXXX And this lender still hasn't reported nor updated any information since XX/XX/XXXX. I am still unable to get a loan or the anything rolled over to another car loan because of incorrect reporting. I do believe that this lender is being spiteful of my situation because they were suppose to make a lot of money from me but it was not my fault that the vehicle got destroyed. When the Corona Virus hit the country at a full pace and things started to get shut down, I didn't know my future with employment so i took advantage of the hardship that was being offered at the time! I was still able to work and keep my payments going but since I applied for a hardship, capital also reported that when i applied for another auto loan through them and also to other lenders! This is unfair, and as a consumer I will never take another product from Capital One if they are the last bank on earth. This is the worst Ive been treated by any financial institution in my life, and Ive made all my payments on time and never gave Capital One any issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. 
A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XX/XX/XXXX These are not my hard inquiries. I did not inquire about any credit from these companies on these dates please delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020 my son XXXX and I saw an online add for a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Utah in the amount of {$9900.00} with their advertised " Forever Warranty '' ( see Exhibit 1 ). We made an appointment to see the car the evening of XX/XX/2020. Despite the appointment, the car was not available. It was at the detail shop which was closed. We went back the morning of XX/XX/2020 to test drive the car. We liked the car very much and started discussing a sale. We were informed that the base purchase price would be {$10000.00} because of additional shop fees. We were also informed there would be an additional {$290.00} for " Key Replacement '' service, an additional {$190.00} for brake light enhancement, and {$700.00} for " DrivePur 2 yr '' interior disinfectant spraying service to be applied four times over two years ( see Exhibits 2 and 3 ). We told them we didn't want these, but they said they add these to every used car. They refused to remove these items from the sale, even though they weren't even installed yet. We were also told the car didn't qualify for the Forever Warranty because it was over 75,000 miles - despite it being advertised. We ended up purchasing an extended warranty for {$1100.00} ( undisputed ). 

We should have walked away but we were caught up in the car and trying to figure out what they were telling us about these nonsensical add-ons. 

My first complaint is about XXXX XXXX 's unfair and deceptive advertising. The car was listed at {$9900.00} XXXX plus tax and dealer fees of course ). They added so much on that the sales price went up by {$1600.00} ( plus tax and dealer fees ). 

Also deceptively advertised was the Forever Warranty. While this may have been a sloppy oversight and not intentional, the fact is, the dealer knew the mileage and thus had knowledge that it would not be warranted. Even if it was an oversight, it became a factor in looking at and purchasing this particular car and weren't informed there was no warranty until we asked, well into the sale. 

My third complaint is regarding the financing. The dealerships credit dept ran our credit reports, then sent our request to at least two other finance companies ( XXXX XXXX XXXX ( Exhibit 5 ), XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit 6 ). We only agreed to one financier, but we acknowledge XXXX needed to make an inquiry to determine a suitable lender. So each of our credit reports has four inquiries now which harms our credit scores. These were unauthorized credit pulls as these lenders had no " permissible purpose '' under the Fair Credit Reporting Act. 

I have worked in the heavily regulated financial industry for 35 years and I'm well aware of unfair, deceptive, and abusive acts or practices when I see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I 've asked Navient ( formerly XXXX XXXX ) for XXXX things : 1. ) to have my cosigner released from my loans, and 2. ) to be provided with amortization information on my loans. Navient has denied both requests, for reasons that have not been made clear. There is no reason why my cosigner should not be released. I have paid as agreed on my loans for the entire time I 've been paying my loans, and I 've never defaulted. I formally applied to Navient to have my cosigner released and they denied my request, in writing, but with no reason explained. Also, there is no way to obtain amortization information for my loans. I 've asked Navient through their message center and was told that the information " is not available at this time. '' These practices are wrong. I 'm looking for information on the terms of my loan, which they refuse to provide. I 'm not looking to lower my payment, I 'm not looking to get out of my payments, and I 'm not looking to change the terms of my payment plan in any way. I 'm simply asking Navient to release my cosigner because there 's no reason for her to continue to receive correspondence from them or be bound to my loans, because I 've paid as agreed for the entire term of the loan thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX IN with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not 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 2020-01-08
Company: Avant Credit Corporation
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 status incorrect

Complaint:
My XXXX account was issued by AVANT. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to AVANT to update my credit report accordingly. The AVANT XXXX account still shows Derogatory on my credit reports and was paid over two years  ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is incorrect on my credit report. My employer name is incorrect. The addresses listed on my credit report is false and must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is incorrect on my credit report. My employer name is incorrect. The addresses listed on my credit report is false and must be deleted.

Company response to consumer: Closed with explanation