BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This problems started at the beginning of 2019. I have disputed a phony charge and after requesting some proof the vendor failed to submit proof. So, I did not pay the charge. However, Capital one removed the charge not the interest on the charge. 
Since then, I tried unsuccessfully to resolve this issue with Capital one customer service. Capital One continuously charging interest on any purchase I make since that disputed charge. 
In XX/XX/2019, I have sent two correspondence to XXXX XXXX and XXXX XXXX, who are supposed to be Capital One senior problem Resolution team member. 
No Action, I believe someone sent me an email saying they wanted to talk to me. Here is the problem on phone conversation : When I talk to someone at Capital One, I do not have any record as it happened during the initial stage of my conversation with Capital One. So, it is later denied that such conversation was ever happened. When a consumer talks or writes to Capital One, proper proof or documentation is required. 
So, I have written to XXXX XXXX and XXXX XXXX again on XX/XX/2019. 

Still no action. I have attached the supporting documentation hare. 
I am with Capital One for many years. Since the beginning of my business with Capital One, I have neither missed any payment nor carried a balance over to the next billing cycle. I have always paid my credit card billing cycle balance in full. 
As of today the Interest total charge is equal to {$85.00} including {$34.00} just for this months. 
So, I am writing to you for your help and to stop businesses from the improper practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX said they cant remove it without a letter from the creditors but they want even respond back to my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-09-21
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I originally attempted to settle/discharge with the State of NJ any alleged tax debt. 
They ceased all collection activities. 
Received first letter from XXXX XXXX with Pioneer letter header and responded with conditional notice of acceptance. 
Also received phone calls from XXXX XXXX, who called my son 's phone as well. 
Did not receive authenticated requested info. 
Received second letter with Pioneer letter head from XXXX XXXX which again did not provide verified information and I responded with Opportunity to Cure. 
Did not receive verified info. 
Received 3rd letter from Pioneer with State of New Jersey letterhead. 
Although I'm now confused as to whether or not XXXX XXXX works for Pioneer Credit Recovery or the State of New Jersey.

Either way I responded with letter of default as well as damage amount for the damages I have suffered from her antagonizing and harassing collection tactics. 
These damages are enforced by 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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 Act XXXX 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 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-12-13
Company: Visio Financial Services Inc.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance for several investment properties and XXXX XXXX said I was approved after pulling my credit and taking an application. Now they have stopped returning all calls and emails and refuse to give me a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Approximately two years ago, I purchased the XXXX through XXXX. It has been determined that the product will never ship and was simply a fraudulent way for the XXXX  creator the obtain money from consumers as a scam. I have spoken with the credit card company and with XXXX and the vendor, and nobody seems to want to take responsibility for refunding the scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 capital, one has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 2023-06-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881. 

This is inaccurate. Please remove these errors from XXXX, Equifax, and XXXX that shows we have been late. 

Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX. 


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 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$380.00} XXXX XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX XXXX Opened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$750.00} XXXX XXXX XXXX Opened XXXX {$840.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase Credit Card from XXXX  has sold out to XXXX XXXX as of XX/XX/XXXX However, I contacted Chase regarding a charge from XXXX XXXX in {$50.00} non-requested, they would not accept my dispute. The recent bill shows the {$50.00} has been credit to my account and now there is {$130.00} charge from XXXX XXXX XXXX that I did not by or charge to this card. I have spent 7 days off and on calling Chase, they are not responding, you go around and around Chase has sold out to XXXX and the fraud is that XXXX is not answering either. Chase statement states PAYMENT DUE DATE IS XX/XX/XXXX : XXXX states " Beginning XX/XX/XXXX at XXXX ET you can pay your Credit card bill by visiting XXXX. This is the worst kind of fraud. Plus Chase will charge a late fee if you don't pay on time. I sent Chase ( *Cardmaster Services ) a certified letter mailed today disputing the charges and I would like to FAX these papers to you and you can read them I know that you are very busy. I want to cancel this chase card and never connect with XXXX that is in the XXXX both US and Not US and this connection is fradulent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a check through Bank of Americas app for {$3000.00} at XXXX on Tuesday XXXX. Once I submitted the deposit, it told me that funds will be available on XXXX the next business day and anything that posted overnight will be covered. They credited my account, however, they took all the money back for the deposit on XXXX, so I have a transaction from the bank deducting {$3000.00} from my account, also giving it a new post date of XXXX XXXX. The check I deposited was written from prosperity bank, and a family member had written the check to me and the funds cleared their account the day I put it in XXXX. I had made my rent payment on the XXXX, and now my rent payment has bounced, and my landlord is threatening eviction, plus a {$15.00} per day late fee. I cant do anything, my account is overdrawn {$3000.00} now even if someone were to learn my money, the account is so far negative nothing will help this is absolutely wrong. I know theyre holding the money to collect interest on it to help their market shares, rebound, extremely misleading, and I took screenshots of what it stated under the deposit that I made on the mobile app saying that would it be available on XX/XX/12. I understand larger checks only releasing a certain portion, but the account holder who wrote me the check, their account was in good standing, and their bank paid Bank of America for the check the very next day why dont I have access to these funds? Is Bank of America going to pay for me to move if I get evicted or are they going to pay the late fees per day that I have to pay because my little rent is late? Ive called multiple times and they say theres nothing they can do at all theyliterally my hands are tied. I have no money for anything, and since Bank of America does not do overdraft fees, I have no money for even food or water. Seriously, this is not OK. The money has already been paid to the bank. I dont get why they will not release it to me into 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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/XXXX I called XXXX XXXX to report suspicious activity on my account after I received a password-change notification. XXXX XXXX 's changed my card account numbers and ordered new ones and revoked my online account. 
However, since then, XXXX XXXX has been making false reports to the credit bureau regarding my account : On XX/XX/XXXX, XXXX XXXX reported me as " 30 days late '' even though there was no payment due on my account. 
On XX/XX/XXXX, XXXX XXXX reported a new account under my name even though I did not open a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MIDLAND placed a out dated, no longer valid collection on my credit. I disputed it and my bureaus found that to be true and had it removed. Midland sent it to a law firm after it was removed and now the law firm is calling numbers that are related to the company i work for but dont get to me directly. I called the law firm and they said that its a open account and that ill have to submit my deviance as proof that it was indeed disputed. didnt give me any information or how to do so, so i told them that they would need to get MIDLAND to supply that information since they were the ones who sent the " colleciton '' to them after it was removed and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent however, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$260000.00}

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 2022-12-05
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent however, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: WI
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:
I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act i believe XXXX XXXX auto account XXXX has violated my rights, XXXX XXXX XXXX section XXXX states i have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : a creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation