BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I contacted Capital One 's Spark Business Checking department at XXXX. I wanted to verify whether or not my old Spark Business Checking account was still valid and available for use. I was able to log into the account using my old credentials and saw there was a negative balance of {$280.00} I had since XXXX.The representative I spoke with that day advised me the account was still open and available for use. She offered me an option to order a new debit card, but I thought I had my old one so I declined. I updated my phone number, email, and address from XXXX to XXXX online as well. After confirming the account was in " good standing '' I provided my employer with the account and routing number for my direct deposit. 

On XX/XX/XXXX I couldn't find my old debit card and contacted Capital One 's Spark Business Checking department at XXXX to request another card be sent to me. The young lady politely confirmed my new address in XXXX, sent me a new card, and advised me the new card would arrive in 3-5 business days. 

When I did not have the new card by XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX a third time to see if they were able to activate my old debit card. The young lady politely reactivated my old debit card and changed the PIN number for me. This was very important because I was scheduled to move into my new apartment onXX/XX/XXXX after sleeping in my car for 2 months. 

On XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX to verify my old card was indeed active and was advised I would need to speak with another department to verify information before any incoming deposits. Upon speaking with the department, I was advised this was the collections department. I was advised my direct deposit would go into the account, but that after Capital One was paid their debt I would be sent a check in 2-5 business days with the balance. 

I completely understand the company wanting to collect their debt. I fully intended on paying it. However, I should not have spoken with 3 representatives before being briefed on the true status of the account. The account was by all appearances open, but per the collections department it was actually charged off. 

All I am saying is that I feel the company deceived me into believing I had an active account when in fact the account was not active at all. It was unfair of them to give me the idea that my account was available for use when in fact they were just attempting to collect a debt. The ordeal has caused a great deal of emotional distress. Yes, I will get the funds eventually, but I am hoping they still hold my apartment and I also hope my next direct deposit does not try to go into that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MI
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 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 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 has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This account is paid in full from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was put in a forbearance plan from Covid/19 by ShellPoint and was promised for the loan to continue by them because I am XXXX impaired, and could not answer the phone. I was informed that I would not have to call back till the 18 month would expire and at that point I would do a loan modification. At the 3 month period, after having no knowledge of ShellPoint, they moved me into forclosure without any communication, no letters, no certified letters, but only called me going against the ADA act knowing I am deaf/hearing impared. They are violating the Fair Credit Reporting Rights because I am hearing impaired, my ADA rights have been violated as well because of the inaccurate reporting of Shellpoint on my report. I have not been able to get a loan because they have reported me late on my last XXXX payments. I have spent hours trying to fix this with Shellpoint. My Aunt, who has spoken with ShellPoint multiple times has recorded messages of them admitting their fault and telling that they will fix my credit that they ruined and after speaking to the last ShellPoint manager, they declined fixing the issues they did against my credit so i can move forward to get a loan. ShellPoint sent me proof that I made my payments, but declined to admit that i was in a loan modification and forbearance after all the proof I have. I have recently sold my home, because of the fear of them putting it in foreclosure again. Now because of ShellPoints error, I can not get a loan to get another home due to ShellPoints errors. I DO NOT HAVE A HOME, AND I TAKE CARE OF MY XXXX XXXX XXXX GRANDMOTHER. If you need any proof of letters, bank statements and recorded phone calls proving they apologized for their errors and would fix it and make it right on my credit and proof that I was in a loan modification and forbearance plan feel free to contact me. PLEASE HELP ME! I DON'T WANT TO BE HOMELESS, LIVING ON THE STREETS WITH MY GRANDMOTHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: MI
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:
these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

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 2021-05-04
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2021 I have called the XXXX XXXX XXXX XXXX  about my payment history showing up wrong on my experian credit report. They sent me over my ledger and it shows XXXX and XXXX was paid on time. Only XXXX is reporting correctly. By them not reporting XXXX my score will not increase.

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 2023-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Capital One bank near my home in XXXX XXXX NY. A few years ago, they closed all their branches here. 

My Social Security and US XXXX pension are Direct Deposited to this account. 

I've no checks, no Debit card for this account, I can not access my funds. The bank has a phone number on file for me that has been out of service for close to 10 years. 

I have no Cell phone, and no Internet access. 

I am XXXX years old and do not have a Driver 's license or transportation. 

We ( I called, and also had my son call them ) contacted them by phone earlier this year, in XXXX and again in XXXX. 

Due to their security concerns ( which we understand ), the situation remains the same : I have no way to access my funds locally. 

I am requesting a book of checks and a Debit card for my account to be mailed to me at my address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted since XXXX of this year to rectify a payment/ property tax issue. I paid my property tax on my current lease and the money was put onto an old lease that I hadn't had for two and half years. In XXXX Kia Finance showed I owed the property tax on my current lease. I tried to get them to transfer the funds from the old closed out account to the new one. They have not done it. And also, it showed on one of my statements that the amount owed was past due, which is was not because it was paid and put on the wrong account. For fear of the " past due '' amount going to collections I paid it. So, I've paid my property tax twice. They continue to tell me I will be getting a refund for the overpayment but will not send the money. This has gone on for months with them telling me I will get a refund.

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 2018-10-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have repeatedly received false invoices via PayPal. The latest is from XXXX for {$540.00} for XXXX XXXX XXXX from XXXX. These are from people I have never had contact with for services I have never used. 

PayPal refuses to block these transactions. If they are refusing to close my account due to alleged open disputes, they have to at least stop allowing new activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, and thank you for taking the opportunity to help out with my concern. 

I wanted to please reach out regarding an incident where Discover potentially may have mistakenly reported me late by accident. 

When I logged in to make a payment on my Discover card, I was offered a payment plan that I would lower my interest rate and decided to naturally take advantage of it to lower my payments. 

A promise to lower my payments, as well as give me a lower interest rate plus allowing me to still have the card open an active allowing me to spend if needed. 

When I set up the installment plan, it would not allow me to modify anything beyond that. I was unable to add the payments that I am familiar with to update it to the correct checking account. 

I attempted to rectify the situation by modifying the bank account however because it was a schedule payment under that special financial plan it did not allow me to modify the banking details. 

Instead, when the payment was rejected, I had already processed the payment the same day to bring the account current as I have never been late before. 

When Discover proposed the payment plan, I was trying to make a payment earlier on to bring the account current. However, when the payment plan was set up, Discover did not allow me to make modifications, and instead bundled both the past due, and the bundled payment for the plan together, and when that payment was rejected, I was reported late, which is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took out a Barclay 's Ring Master Card in XX/XX/2019. I used an invitation which I received in the mail which had a 0 % APR for the first 12 months. I used the card to help my son pay for auto collision repairs which came to {$2600.00}. I also set up {$250.00} monthly payments automatically from my XXXX   XXXX XXXX checking account. I enrolled in paperless billing and never looked any further until today. Just went online and checked my account and noticed that I have been charged interest every month since it was opened. There was an issue with the first payment not being on time. I do not remember exactly why but I did call Barclays to discuss the issue which was fixed and they told me it would not effect my promotional rate. Barclays response to my phone call after speaking to two reps was that they never offered a 0 % promotion. They are sending me the agreement when the card was approved. I did check online and found the promotion which is now expired but proof that it was offered. I would never have taken out a card with interest. I would have paid cash in full.

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 2021-12-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: AMERICAN EXPRESS COMPANY
State: MA
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 rewards from credit card

Complaint:
I signed up for an American Express Platinum Delta SkyMiles card. 

The offer on the card was the following " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. A {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership ''. 

I completed the spend requirement in the required time period. I never received the {$70000.00} bonus miles, XXXX MQM Miles or the {$100.00} statement credit after purchase. 

I contacted AMEX ( 4 ) four times with no resolution. I first contacted them on XX/XX/XXXX. I then contacted them again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, AMEX told me there " is a know issue and there is a delay in posting of the miles on your account ''. They told me I should wait an additional time period. I believe that contacting AMEX ( 4 ) four times and waiting at least 5 months is more than enough time for AMEX to have resolved this issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Synergetic Communication Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original I'm asking for them to prove 100 % verified or validation. This collection agency has not proved that with this account. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The FCRAs Rules for Credit Reporting Agencies The FCRA grants you certain rights and protections from CRAs. Under the FCRA, CRAs are obligated to : Grant you free access to your credit report Limit other companies access to your credit report Control how long items can stay on your report Give you the right to dispute items listed on your credit report

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