BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/XXXX I began a consumer credit transaction at XXXX XXXX XXXX. Upon my consumer credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission. On XX/XX/XXXX when I initially made a cash down payment of {$4000.00} and also on XXXX of {$4200.00}. XXXX XXXX ( sales rep ) that I work with advertise to me on XXXX and XXXX that I had to make a down payment in order to obtain my XXXX XXXX ram XXXX. All those subsection 15 USC 1662 states, advertising of a down payment in installments says, no advertisement to aid, promote, or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. which my consumer rights were clearly violated and therefore being defrauded. In regards to subsection 15 US C 6802 a. A notice of requirement obligations with respect to disclosures of personal information. I was not made aware that I could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction furnished on my report yet it has been furnished without my consent which is technically identity fraud. Ive been stressed and struggling to provide for my family due to this unfair consumer credit transaction. I fell behind on my rent and have been evicted twice this year from being the fraud it in this transaction. Furthermore, every month that the bill comes in the mail or I receive a call from Capital one I get migraines and have nightmares due to this unlawful transaction. Ive been harassed every month XXXX Capital One calling at least XXXX or XXXX times a month telling me to pay a debt even after Ive communicated with them to stop calling. 15 USC 1692D clearly states harassment or abuse that a debt collector may not engage in any conduct to the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have experience Ive seen in profane language, harassment by getting calls every month and being told to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX/XXXX/XXXX I got a letter in the mail from Citibank stating that my account ending in XXXX has insufficient funds and was overdrawn. 
I checked all my accounts with Citibank and did n't find any account ending in XXXX. I called the customer service at XXXX XXXX/XXXX/XXXX to find out what happened and I was told I had an account which was opened on XXXX/XXXX/XXXX and it was overdrawn by XXXX for monthly fee and overdraft fees. I told them I never opened an account on that date and I requested to get a copy of my signature card and the branch the account was opened. 
They agent refused to tell me this information and was extremely rude on the phone, she said her name was XXXX and she was the supervisor. I asked her to open a case, escalate this issue and give me a case number but she vehemently refused to do that and asked me to go to the nearest branch. 
This is absurd that Citibank would open an account without the client 's knowledge, access fees on the account which overdrew the account! If I had not gotten this letter, I would not have known I 'd an account that was overdrawn. They would have continued charging a monthly fee on the account which would overdraw it by a lot of $ and then send it to collections and ruin my credit I worked so hard to build. I am livid to state the least.

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 2017-10-22
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over XXXX XXXX XXXX, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my XXXX XXXX tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Report # XXXX Please remove false information from 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 2017-10-22
Company: EQUIFAX, INC.
State: MS
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:
XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, XXXX XXXX 
Report # XXXX Please remove false information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, 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 have already sent documents to all credit bureaus to remove unverifiable accounts from my credit report and still have yet to be remove please remove now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: GA
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 was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted

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 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX College, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, MS . 
Report # XXXX Please remove false information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?

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 2022-05-02
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/XXXX, I paid the balance of my Chase credit card in full. On XX/XX/XXXX, I discovered that Chase had charged me {$5.00} in interest on part of the balance that I paid in full back in XXXX. I was unaware of this, which resulted in my account being reported to the credit bureaus as late. My credit report was adversely impacted because of this. 

I have never been assessed a residual interest rate on any of my credit cards after I pay them in full. This has never been an issue for me. I have never been late on a payment. But because of this {$5.00} interest charge, my credit report has been damaged. Chase did not make significant efforts to contact me about this problem. I received no letters in the mail requesting payment. I received no text message notifications. I have been a Chase customer for years, and this is the first time I've experienced a problem like this. I requested that they remove the late payment notification from my credit report and they said this would not be possible. Chase 's practice of charging customers interest on balances paid in full is questionable at the very least and dishonest at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NY
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:
I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over XXXX XXXX I contacted my credit card company XXXX to see what is my best options. And the XXXX Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your Equifax credit report regarding your XXXX XXXX XXXX My score decreased XXXX XXXX because I contacted XXXX about the purchase I made for a service I never received and I wasnt reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My PayPal account was hacked. My wife 's paypal account was also hacked on XXXX. There are unauthorized transactions from PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Auto Finance is reporting false information to my credit report and is attempting to collect a debt which is not owed. Capital One Auto Finance is claiming that I owe {$250.00} for a vehicle which I paid for in full. I have disputed this account and requested Capital One Auto Finance send me full payment history of this account to prove that this account is accurate and complete. Capital One Auto Finance refuses to comply with the FDCPA. I do not owe {$250.00} and this account has been paid in full yet Capital One will not update the file. Capital One 's negligence is harming my credit worthiness and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: MN
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 a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: NCB Management Services 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: Reporting company used your report improperly

Complaint:
1. This is the company involved- XXXX and XXXX XXXX ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. NCB MANAGEMENT SERVICE ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 1666B - a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Started in XXXX of 2012. Applied for a modification. Told must be 3 months behind. So in Late XXXX of 2012 we applied after meeting their instructed requirements.Several months later we were told we didn't qualify ( made to much money ). However we were encouraged to reapply. So we did. Several months later we then were told we now don't make enough money. However again were encouraged to re reapply. So we did. This time all seemed well. 2 days before the Mod was to be in affect they informed us they have sold the note an we must start fresh. This behavior as we have explained above has taken place 3 more times an continuing during this time period ( some 30 or so months ) each mortgage service co. wanted the full amount owed on the mortgage to be paid in full and would not except any monthly payments.The note service r currently ( Nation star Aka. Mr. Cooper ) Has weekly and intentionally harassed, Lied, played confused, delayed, any an all our efforts to resolve this major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a bank loan being held up for the last 2 months due to a {$160.00} charge off about 18 months ago that showed up on Equifax report. I contacted Equifax and requested a print out of the item in question and when I received it 2 weeks later ( told it had to come by mail ), it had no more info than what I already knew which was that some commercial card vendor wrote off {$160.00}. I called back and was then told I had to fax a form in requesting who the vendor was. I did that and was told that I would get an email response within a few days. That was on XXXX and I still have not received a response. I called just now and after 15 minutes on hold I was passed to two different departments and then was told that I would have to call again tomorrow since it was now XXXX and the person I was speaking to could not get me the vendor info. This has been extremely frustrating and very poor service all along, and I still don't have a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Pre-paid rebate card issued by Citi in conjunction with a promotion with XXXX expired after only 2 years when it appears that both Federal and NY State law prohibit expiration and/or abandonment of such funds in no less than 3 years in some instances and 5 years in others. <P/>Citi offered no explanation or information about the funds that are " gone. '' Amount lost is {$470.00} I requested either a replacement card or check in the amount lost and was denied.

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 2017-10-22
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report : Unauthorized inquiries & Wrong status in open 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 non-monetary relief