BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Bread Financial Holdings, Inc.
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:
I am writing to express my concern and submit a complaint to COMENITY BANK/JARED regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, COMENITY BANK/JARED will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, VA ZIP Code Re : ; {$17000.00} I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is a contractual obligation that is binding on me to pay this debt.

I disputed this debt because I don't recognize this debt. I made an agreement to settle for XXXX and paid in full to the NFCU representative over 7 months. I requested confirmation and have yet to receive confirmation of debt resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Capital One, Has not send me a payment back in the amonut of {$270.00} by a XXXX order that was incorrect. Instead capital one had plenty of proof from XXXX and myself for the item sent was incorrect. Capital One sent me an email to contact the seller and mention that the item was wrong. I reached out to the seller and I was blocked from there wats apps account. XXXX XXXX knew it was impossible for me to get this letter from the seller which I called them to let them know. They said that my dispute was not granted in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: NC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an autopay set up for the minimum payment to avoid late fees in case I am unable to access my phone. Typically I manually pay the full balance of my card so the issue I am going to describe has not occurred previously. 

On XX/XX/XXXX I made a manual payment via the Capital One app. I selected the " Remaining statement balance '' option for the amount in order to avoid interest, the amount paid was {$1100.00}. After submitting the manual payment the app prompts me to cancel my automatic payment for the month. I do as the app suggests and cancel the payment as I've just presumably paid the statement balance and won't be charged interest. 

I then received an interest charge of {$73.00} on XX/XX/XXXX. I received a second interest charge in the amount of {$80.00} on XX/XX/XXXX. I believe this second charge is a residual/trailing interest charge. 

On XX/XX/XXXX I called Capital One for an explanation of how I was charged interest when I paid my statement balance. A Capital One representative informed me that because the autopay had been scheduled, the amount in the " Remaining statement balance '' did not include the amount scheduled for autopay. Therefore when I cancelled the autopay, as the app prompted me to do, it resulted in carrying a balance on my card and interest being charged. I viewed this as an app issue and felt I was being penalized for proactively paying my statement balance despite being unemployed at the time of the payment. The representative offered to waive only {$50.00} of the total interest I had been charged. I called back during daytime hours on the same day so I could be escalated, but the representative I was escalated to gave the same offer. I was denied further escalation and told it was the best I was going to get.

In summary, I was charged interest on my account due to an issue with the app, and customer service was unwilling to make it right. I simply wanted to pay my statement balance but was prevented from paying the full amount by the design of the app. I would not have canceled the automatic payment if I had not been prompted to and would have avoided interest entirely. I feel the app prompting to cancel and leading to this issue may be a disingenuous and anticonsumer deliberate design decision. I don't have this problem with other major credit card apps. Specifically, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX 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 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I submitted a request for a transfer in the amount of {$1000.00} from a Capital One checking account to an external savings account with XXXX XXXX. On XX/XX/XXXX the amount was credited from my account and my balance was {$500.00} following the transaction. On XX/XX/XXXX I received an email from Capital One that the transfer was not successful. I did not receive a debit into my XXXX XXXX  account for the {$1000.00}, and the temporary debit that I received from XXXX pending the transfer was reversed. Upon calling Capital One for the first time, the agent assured me that the ACH transfer was successful and it would take up to 5 business days to post ; Friday  was a federal holiday and so it would be deposited by Tuesday  XX/XX/XXXX. He also stated that the transfer failed because I had insufficient funds for the transfer ; however, this being a pre-authorized debit, the money was already withdrawn. On Thursday XX/XX/XXXX I called Capital One to submit a dispute complaint for the amount. On Monday XX/XX/XXXX I called Capital One a third time to request an update and was transferred to a supervisor in the Dispute department who verbally promised that the review was completed and the amount would post to my checking account by Friday XX/XX/24 by the latest. On Friday XX/XX/24 I called Capital One a fourth time and was told the case is still under review because Capital One attempted to contact XXXX XXXX  and did not receive a response. As of the time of writing this complaint, I have been out of {$1000.00} for XXXX calendar days and deprived of the commensurate amount of interest I would have earned from the savings account, currently at 4.92 % APR, due to Capital One 's mistake in handling my funds and inability to return them in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a certified letter to Midland Credit Management. The letter requested validation pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c.

The following information was required to be filled out in its entirety as well and failure to provide this information forfeited any and all alleged rights.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Midland Credit Management the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

o Yes o No Have any Judgements been obtained by any creditor regarding this account?

o Yes o No Please provide me the Name, Phone Number and address of the bonding agent for Midland Credit Management, in case legal action becomes necessary : Is your business license to collect debts in my state, Virginia? 
Provide your business license Number : Midland Credit Management responded with a letter dated XX/XX/XXXX but did not provided all the requested information. I was only provided one billing statement from the original creditor XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX, XXXX letter dated XX/XX/XXXX from XXXX  XXXX stating the account had been charged off and sold to Midland Credit Management, and one cover letter from Midland Credit. Therefore insufficient information was provided and there is not enough evidence to prove debt validation. Midland Credit was not able to provide proper debt validation to establish a right to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I apologize for having to reach out to you but I have encountered a problem that I was unable to resolve through your normal customer service channels. Moments ago I hung up from a four hour long phone call with one of your agents who was unwilling to assist me. She made it very clear that she could help me but did not feel my concerns were worthy of Chase 's consideration beyond telling me to book directly with the airline or to select a different flight. Considering the circumstances of the situation, I can not believe that a company operating in good faith would view my request as anything but reasonable and would take the appropriate steps to remedy my concerns. I am sure you and your team deal with incredibly complex and nuanced problems but my issue is very simple. I am trying to book this flight itinerary from the Chase Travel website : XXXX XXXX XXXX When presented with this information your agent confirmed what the Chase Travel Website was ( and still is ) offering but she was unable to book this itinerary. When she attempted to use your internal tools to book the flight she was also unable and presented me with alternative options which were roughly {$720.00} more expensive. When questioned about why the Chase Travel website was displaying something that Chase is unable to fulfill she proceeded to have the most illogical, circular, contradictory, and oftentimes confusing position as to why this is permissible and of no concern whatsoever to Chase. Not only does this itinerary still present from the Chase Travel site, each leg of the trip at the fare class advertised is available directly from the airlines. I would take her up on her suggestion to not use Chase and book directly with the airlines at the same cost but I would prefer to use my XXXX Ultimate Rewards points for this trip. 

I do not believe my request is unreasonable - I simply want to use my points to book the flights that are displayed and take my wife to XXXX XXXX for our XXXX. Flights that are advertised directly on Chase and are confirmed available from the airlines at the exact same pricing.

If you ultimately feel my request is unreasonable or if you feel that some subsection buried deep in some travel disclosures document means that this is not something Chase is interested in considering I will take your response, or the response of your team, as final and book directly with the airlines. 

I appreciate your consideration on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Professional Collectors Corp.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Professional collector corporation is at it again. Professional collector corporation is reporting on my XXXX and XXXX. Pcc  is reporting to XXXX they are reporting a bill that is from XXXX in the amount {$4000.00}. They are also reporting the same bill for XXXX on XXXX for {$1100.00}. Funny thing is I talked to XXXX XXXX and he said that they are not reporting this bill to XXXX. I didnt realize these sneaky people were reporting on my credit bureau on XXXX XXXX well. XXXX has bills that they put on my credit bureau which is XXXX twice. Which is XXXX, XXXX which is on XXXX and XXXX XXXX as 2 different amounts. They also have on XXXX bills that are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All of these bills I just listed are not owed to pcc which they are representing XXXX XXXX XXXX These bills are actual fraudulent since these bills dont exist. If the Wisconsin department of financial institutions would had done there jobs and took away professional collector corporation license this would not be going on. Pcc/ XXXX XXXX XXXX gave all of the bills that are not due to them since my health insurance picked up all of my medical bills with a contractual agreement. Nobody should have the power like these people do and try to ruin someones credit to get money that is not due to them. I truly believe that pcc is not a true collection agency because nobody would put so much on the line unless there is some serious fraud going on. Where did these bills come from that you are reporting on my XXXX and XXXX? Everything that pcc sent to the XXXX department of financial institutions doesnt add up to what I received and what they are reporting on my credit bureau . According the the records that pcc sent to XXXX and then made copies and sent me these bills are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to view my report on line so i can dispute online, and i have never been able to get my report online, it's ridiculous. EVER! They always have some kind of excuse. The system is down call back in an hour, this excuse was given on XX/XX/23. I called and talked to someone and requested a new password and i got it, and it still didn't work. I tried the, " forgot password '' online and it asks me my security question and i answer it and it still states, " we are unable to provide the information you are requesting ''. 
Years, years... I have tried to review my report online with them and i have never had the trouble i have with transunion with either of the other credit bureaus. I want to dispute online an i want to see my info online. I do not want a mailed report! This is the XXXX  century! I do not want to dispute in writing!

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 2023-11-28
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE accountS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/24 I was guiding to a website XXXX XXXX XXXX from a XXXX XXXX for marketing for animal lamps. I purchased 3 animal lamps using the website and my CashApp visa issued card at that time. After the charge was made I never received a confirmation email or number regarding this issue. I reached out to support listed as XXXX to get my confirmation number and details for shipping. I was told that as soon as the product ships from the warehouse I would be updated with the confirmation number and order shipping details. This continued for XXXX weeks. In the meantime others had also realized the avid scam and were beginning to tell their stories and the need to dispute with their financial institutions. So after week XXXX of no information or communication I asked for my order to be cancelled. I was advised that 'monies would return to the card on file '. There still was no confirmation or cancellation email with card numbers or a product that was ever shipped to me. This was an avid scam that only stole monies from me and is pretty clear to see. 

I have submitted 2 disputes including emails sent from this scam and XXXXXXXX XXXX or cash app continues to deny my disputes without giving any valid reason for not honoring a chargeback as this is a scam. Upon sending a documentation they detail that the case number is closed and there is no support for this issue any further. Upon submitting a dispute cash app also threatens to shut down a members account. The company will not dispute this scam and will not follow through with compliance on FDIC insured products, the dispute process and the explanation of reasons that it was denied. I have tried to escalate the issue and yet continue to receive no new understanding for this problem. The institution should protect me from scams, fraud and stolen monies with a visa backed card however they are not in compliance to my problems.

Company response to consumer: Closed with explanation