BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NY
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 Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
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:
information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX/17 I made what I thought was my final payment on my Best Buy Credit Card ( Citibank issuer ) promotional deferred interest purchase. On XXXX XXXX I received a call from Citibank notifying me of a past due account. In reviewing my account documents, I discovered that {$27.00} of my {$120.00} was credited to a purchase during that billing cycle leaving my XXXX/XXXX/17 payment of {$120.00} {$27.00} short of paying off the promotional balance and yielding punitive interest charges of {$270.00}. I had my payments set on auto deduct to pay in full by the end of the 12 month deferred interest period. Each payment was made in an amount sufficient to pay the balance in full but I had forgotten about the purchase I made during my billing cycle ended X/26/17 from which {$27.00} was diverted from the promotional balance. I was also late for my XXXX statement thinking that I had paid the balance in full. Although several representatives I spoke with acknowledged the error, one of whom said " yeah, that {$27.00} should have been credited to the deferred balance '' the final disposition was that they would waive my late fee of {$27.00} plus interest of {$7.00} I was responsible for deferred interest of {$270.00}. Apparently they only allow 20 days to correct errors on deferred interest charges according to the Escalation department. My offer was to pay the balance of my forgotten purchase, late charge, and interest since it was my fault that I missed the error and was, in fact, past due for the payment I missed. That offer was declined so, to bring an immediate end, I paid {$330.00}, which included {$270.00} in deferred interest, in spite of timely payments in an amount nearly 5x the required minimum for each month and that left my {$27.00} short of a final payment amount. I also told the company I received numerous auto-dialer calls over the past 2 weeks from Citi that left no message or when I answered no one ever came to the line. Had those calls reached me, I would have been within the 20 " grace period. '' I believe that Citi 's handling of this situation is extremely inequitable and that it warrants this report to the CFPB for review and documentation of Citi 's 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 monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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:
The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-03-22
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:
The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called American Express at XXXX to apply for a credit card to help with my credit, being a victim of ID Theft, XXXX XXXX, XXXX with IRS and XXXX with a XXXX XXXX credit card. I called them in XXXX of XXXX sent all my police reports to them ( faxed ), when calling today and to see what the update was spoke to a gentlemen who transferred to me XXXX, who could not find the application on file nor the letter sent. When I spoke to the gentlemen in XXXX his name was XXXX had a different accent. Said that application would be investigated, never heard a word.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Overlimit fee

Complaint:
I opening up an American Express card account with my husband as an additional card holder. He was the only one who used the account. He handles our finances and when he logged on to the account, he checked the amount due and paid the entire balance as was noted. The next month, we found that Amex had charged us an interest fee of {$29.00} because there was an annual fee of {$190.00} and a credit of {$100.00} that was charged to my card. These charges did not appear on the account when my husband checked and paid the balance a month earlier. I called Amex and asked why these charges did not appear when my husband checked the account balance and was told that only the charges to his card were reflected when he checked - though that information was not noted when the account balance was displayed. I told Amex that that was a very poor policy and it resulted our being charged {$20.00} on a {$95.00} inadvertant underpayment - an effective interest rate of over 250 %. I asked that Amex waive the interest fee. They refused. I then asked them to cancel the card and refund the prorated portion of the {$190.00} annual fee. They canceled the card but refused to refund the fee though it had only been charged a month earlier. I have two complaints : 1. I would like a refund of the {$29.00} interest rate charge since the Amex account balance website was misleading and failed to advise my husband that not all account charges are reflected in the balance due which resulted in an underpayment of {$95.00} on the {$1400.00} bill that was paid. 
2. I would like a pro-rated refund of the {$190.00} annual fee that was charged XXXX/XXXX/2016 ( the card was cancelled on XXXX/XXXX/2016 ). Since it is an annual fee, and the amount is significant, I should have a refunds since I will not be given any access to any of the benefits from this fee once the card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I notified the correction agency and provided written proof, admission of guilt and screenshots from the person admitting she was the one who signed my name electronically without my consent. I disputed this twice with transunion with the same back up documentation and they still refuse to remove it

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 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an account with Capital one account # XXXX Routing number XXXX On XX/XX/XXXX I issued a check for rent that was apparently stolen and falsified by someone that Capital one told me was in Pennsylvania by the last name XXXX and was cashed at a personal account and bank in PA. I reported this a month after in XX/XX/XXXX when my landlord reported not receiving the payment. An investigation was open and all the information sent and confirm by the bank and every other report done. I was told that I had to wait until the bank that released the funds return it. This is terribly unfair because the bank should have some type of credit given while the investigation takes place. In a subsequent call the representative was laughing saying that she would hear me vent but there was nothing I Can do and If i wanted I could just close my accounts with Capital one. Someone in the fraud department. This is still unfair because that will not return my money and if I am good to put my money in their accounts If something happens and I prove this then my money should have some guarantee. 
Please help I feel hopeless and don't know what to do anymore to get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I AM IN DIVORCE PROCESS, FOR THAT REASON MY CK ACCOUNT IS FROZEN. 
DURING THIS PROCESS WE HAVE ANOTHER TEMPORARY LEGAL ORDER FOR THE JUDGE WHERE ESTABLISHED WITHDRAW THE MONEY ONCE A MONTH FOR FOR {$6500.00} ( ATTORNEY FEES ) ( ONLY ONE TIME ) AND {$2000.00} FOR MY LIVING EXPENSES EVERY MONTH COMMENCING ON XX/XX/2019. ( THAT LEGAL ORDER XXXX. XXXX MY ATTORNEY SENT TO BANK ). 
THE PROBLEM WITH THE BANK WELLS FARGO IS THEY WONT GIVE MY {$2000.00} FOR XXXX. ( SEE PAGE 10 OF THE TEMPORARY ORDER ) I CLAIM MANY TIMES BY PHONE BUY THE LEGAL DEPARTMENT WONT RECOGNIZES THE LEGAL INSTRUCTIONS FOR THE JUGDE, WITHOUT ANY EXPLANATION ANOTHER COMPLAIN WITH THIS WELLS FARGO BANK IS THE FIRST TEMPORARY ORDER EMITED BY COURT IS FOR ALL MY PERSONAL ACCOUNT. IN THIS CASE THIS ACCOUNT IS A BUSINESS ACCOUNT, NOT A PERSONAL, SO WHY THEY DECIDED FROZEN AND AFFECTED IN MY BUSINESS?

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 2022-03-22
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management , LLC ( XXXX, Texas ) placed a collection on my credit report for a debt that was not mine. No attempt to notify in writing, to do basic validation of a debt clearly in another state. I have contacted Credence, the original company XXXX, credit bureaus, the CEO of Credence, and have filed a police report and still am not satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Well this happened 2 years ago but I contacted them a soon as I seen the transaction had posted since I had my security alerts sent to my phone, so every time I made a purchase it would send me an alert straight to my phone, well anyway I was at work when I had received an alert that someone had withdrawn {$60.00} then {$200.00} not including the {$1.00} fee for trying to see my balance but it's weird how they managed to take my funds from my account If I had my debit card with me. Long story short like I said I contacted them and i told them what had happened they supposedly they submitted a dispute and i was supposed to receive some letters in the mail regarding the incident but I never received anything and I've tried to contact them almost every day but couldn't get thru to them now it's been like I said 2 years and now they're telling me that they can due anything about it but see thats not fair cause I told them a soon as it had happened. Is there any possible chance for me to still get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 status incorrect

Complaint:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a credit card via XXXXXXXX XXXX website. I was denied for credit. 
12 CFR 1002.7 - Rules concerning extensions of credit. 
CFR 1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

12 CFR 1002.6 - Rules concerning evaluation of applications. 
CFR 1002.6 Rules concerning evaluation of applications. 
( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010, XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been getting charged for credit debt protection services since my account was converted to Citi Bank Best Buy Visa card from a store card. I did not authorize this service and had noticed on my credit card statement I have been getting charged varying amounts since this conversion. Per month I have been getting charged around 50 dollars for this debt protection I did not sign up for and this has been going on for longer than the last 2 years. I was denied a refund but they did cancel the debt protection. Again I did not authorize this and view this product as very predatory.

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