BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I entered into a promotional balance transfer transaction with my Capital One Credit Card in XX/XX/XXXX where I paid a 2-3 % fee up front and then received 0 % interest on this balance for 18 months. I was going to wait until my credit card statement indicated that my promotional period was coming to an end and therefore I need to pay the balance or be charged interest, but this disclosure never appeared on my statement. Instead I just received a statement with the interest charge once that promotional period ended. My XX/XX/XXXX statement didn't have any indication that my promotional period was ending, including in the section titled " account notifications '', which contained the following statement : " Welcome to your account notifications. Check back here each month for important updated about your account ''. This section should have disclosed the fact that my promotion was ending and if I didn't pay the balance on my statement I would be charged interest ( because that's an important update about my account ). My XX/XX/XXXX statement also didn't disclose anything, but now had a {$110.00} interest charge. Because there is a lag between when you initiate the transaction and the balance actually transfers, I was never aware from the beginning when the promotional period exactly ended ( again I was going to rely on the credit card statement ). 

When I called Capital One to complain and ask that they reverse the interest charge and I'll pay the balance off immediately, they refused and said its not their policy to put this information on the statements ( even though all my other banking relationships do this and this is the very practice the CFPB was created to eliminate ) and that its on the consumer to know when the period ends. They also referenced a confirmation statement that is mailed to consumers when the balance transfer is completed which has the exact period end date, but I never received this. Its not available on my online account documents either. 

This is predatory and Capital One knows that people aren't going to be aware of when this promotional period ends and therefore get hit with at least one interest payment assuming they were planning on paying down the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Credit Systems International, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX send me to collection via this company XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX for a bill of {$970.00} that was not paid. 

I never lived the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XXXX. But this late payment keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that this charge be remove this from my credit file permanent. If not I'm planning to a begin with a legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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 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 an account without my written instructions Accounts : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions 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:
I am a victim 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 2023-10-20
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I did a pre-qualify online It offered me XXXX, I closed out of website, All of my other cards start at XXXX. 
XXXX is worthless to me. 
2 weeks later I get a card, I'm mad but its already done a hard pull I decide ill just wait and ask for a bigger limite I'm stuck with this XXXX card now. 
I pay the {$95.00} fee before the first 30 days so it will be paid in full on XXXX month billing. 
After I pay the {$95.00} they close the account. 
Now I have a hard pull and a closed account from a card who's website didn't work properly .... and they stole {$95.00} from me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, I had a credit card and car insurance from XXXX XXXX XXXX. I barely use the credit card. When I was due to pay my car insurance I sent the money to credit card by mistake. I ask my bank to get the money back, same time I had sent the same amount to insurance. My bank ( XXXX XXXX  ) wrote back to me that ; need more information 's, which I don't have. This happened more than year ago. Since then I'm trying to get this money back. I talked to numerous people on the phone, I went to local XXXX XXXX  office I haven't successful to get my money back. None of them locate my account. What I understand is that when this happening, US Bank took over the XXXX XXXX Credit card division. And neither company can find my account. All of the people I talked, tried to access the account with XXXX, Credit Card number, date of birth, nowhere to find the account. I would like you to help me. I attached the all the documents. Thank you very much.

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 2023-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/23 I tried to log into my bank account app. It showed a screen that said I needed to fill out this review or I would have my account restricted or closed. When I went to fill it out they are asking me very personal questions about my cash flow in and out of the bank. I have banked with them for 20 years and have never been asked these questions. I refused to answer and called them on Monday XX/XX/23. She told me if I don't answer my account will have the debit card frozen and the account will be closed. She refused to tell me why they want such specific information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ive tried multiple times disputing these transactions that i did not authorize in which if you clearly go back on my bank statements this particular card in question that i called about the represenative told me that yes my card and my account was compromised but back to my statements these transactions in questions ive never used these merchants before and when i tried to dispute them with bank of america they denied them the dispute then they sent me a letter saying they will open my case up again and investigate it and my case will be open until XXXX of XXXX but i just received another letter saying again it was denied the first claim in question is for the amount of {$480.00} the claim number for this one is XXXX this has been an ongoing claim for a few months now even when they claim seem to have closed the claim and i couldnt understand why i had left it alone but they were the ones that decided to open up the dispute again just to deny it so thats when i decided thats not fair obviously they seen something was wrong but they just didnt want to give my money back ive received the latest denial letter XX/XX/XXXX for card ending in XXXX the next unauthorized charges i tried disputing was for XXXX XXXX purchas on XX/XX/XXXX $ XXXX a XXXX XXXX purchase on XX/XX/XXXX for - {$170.00} and another charge on XX/XX/XXXX for $ XXXX using card ending in XXXX which again i did not authorize.

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 2019-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received information from XXXX  that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX Account name : NAVY FEDERAL CR UNIONXXXX Account number XXXX Account name : NAVY FEDERAL CR UNION, Account number 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 an 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 item 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good evening I am a consumer by law and this complaint today was not sent in error and I am writing today because on XX/XX/2023 I sent out a dispute letter to Equifax and still till today I have not received correspondence or any indication that the accounts disputed were investigated. I have these false accounts that are not 100 % accurate on my credit report and this is unacceptable. I have attached all the necessary documents along with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: JPMORGAN CHASE & CO.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of this inquiry contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or
indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report.

Fact, nowhere in federal law is it written that a debt collector or consumer reporting agency must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report Please remove this inquiry from my consumer report immediately as it is not only an invasion of my privacy as said so by congress under the FDCPA, and FCRA, but is also causing a substantial amount of harm and inconvenience to me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per FCRA, as a federally protected consumer, I exercise my right to opt out of any and all authorization, I the consumer may have given XXXXXXXX XXXX XXXX XXXXXXXX, Equifax, XXXX, all other credit reporting agencies whether written, unwritten, verbal, and non verbal for the following account : Green Dot Bank Account Number : XXXX XXXX  XXXX XXXX All pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-23
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:
l was in the process of applying for new employment and it was brought to my attention that there is some inaccurate Information reporting on my credit reporLl received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant the following accounts to be updated to the correct amount, date, status, open and closed date. last date of activity and time. 
If you can not complete this request. please delete the accounts Immediately. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CL Holdings LLC
State: TN
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:
XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions 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:
XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.

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 2017-07-30
Company: Advanced Collection Bureau, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Advanced Collections is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They have not sent me valid validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation