BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was struck with financial insecurity in late XXXX  due to the coronavirus pandemic, I had a Capital one Quicksilver credit card active that was {$3600.00} ( {$600.00} over my credit limit ), so I reached out to Capital one who SEEMED happy to enroll me in a plan on XX/XX/XXXX to make XXXX {$220.00} payments which would bring my {$3600.00} account balance down to {$3000.00}, and also would cover my minimum payments for those two months. The important part is, I was told these terms MULTIPLE times by the rep over the phone. 

Fast forward to now, I held up my end of the offer, and after I completed the {$450.00} of payments, my account still rests at nearly the same {$3600.00} balance and according to the Account manager they dont offer plans with these terms and that I must have been lied to when I was enrolled. She also informed me There is absolutely NOTHING she can offer to fix it and my account will stay over the limit unless I pay it down ANOTHER {$500.00}. I asked if they can please pull the call logs from XX/XX/XXXX to review and figure out why I was enrolled in a plan making payments under false terms. The request was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name LVNV Funding Acc # XXXX Balance showing : {$2600.00} What balance should be : XXXX Case Type ID THEFT Which bureaus is the error on? All XXXX Bureaus Account name LVNV FUNDING LLC Acc # XXXX Balance showing : {$610.00} What balance should be:XXXX  Case Type ID Theft Which bureaus is the error on? All XXXX Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Express is refusing to delete inaccurate information from my credit reports which is going to affect me being able to purchase a home. I made a large payment in the amount of {$270.00} in XX/XX/XXXX & didnt see an additional amount of {$31.00} until the month of XX/XX/XXXX. I was under the impression that I paid the entire card off with the last payment & wasnt aware that I even had a past due balance. Soon as I received the email I took care of the past due amount & also never received a billing statement showing that the account had a balance on it. I shouldnt have a 30 day late on my account due to a mistake by Comenity Bank & when I called in XXXX I was told that once the late charge was removed that the credit department would remove the 30 day late upon writing them a letter. I received this letter from Comenity of them not doing a thing that they said they would do. Honestly, this credit account isnt really even helping my credit because of the low limit. Ive been consistent on the payments & shouldve gotten a credit limit increase by now but if Comenity is going to do business like this then I really should cut this card up because I refuse to deal with devious & dishonest customer service practices of a company that isnt willing to help me build credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a debt collection listed in my credit report from XXXX XXXX through Mercantile Adjustment Bur. I have no knowledge of this account and it is from XXXX, which is a state I have never lived in. It shows that it was opened in XX/XX/2022 for the amount is {$460.00}. I had it removed before from my credit report before but it appeared again and has lowered my credit score a lot. I had to also remove incorrect addresses and a name from my credit report. Someone must have used my SSN/information to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: U.S. BANCORP
State: VA
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:
Elan Financial Services is another creditor reporting inaccurate credit information. I had a scam against my credit card which put me over my limit. I paid the credit card bill as normal not knowing the creditor had increased my payment to cover the over the limit fee. The creditor accepted the payment for two months without notifying me what had happened. The money was recovered, but I was still held to not paying the over the limit even though I continued to make my monthly payments. I had never been past due before. I really feel I was treated unfairly. This was during Covid, and I realized many companies were understaffed. However, I dont think I should have this report against my credit without even notifying me until two months later. I have disputed the matter a couple of times, but I did not receive a response. The creditor put me in hardship per my request, and I continued to make payment less than I was making prior to this. However, they kept reporting that I was not making payment even though I was making the payment and they were accepting the payments. I also thought I read that a dispute response is supposed to be in writing. This account has been closed by creditior and I would like to OPT OUT of it being reported on my credit report. ( Please see attachment bottom of second page )

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 2020-07-17
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
My credit file shows late payments on my Discover Bank credit card. I contacted the company and they advised that they have not reported any late payments and that I would have to contact the credit bureaus. I contacted the credit bureaus and they advised that I would have to contact discover. Discover is still unable to assist me on a mistake that they made. I was not late on my credit card payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
phfa informed me that i will receive monetary assistance with my mortgage and utlities. it took more than 8 months to receive the first payment and have yet to receive the second payment or payment for any utilities. i have tried to contact plenty of people their employees change monthly, their site and program was put on hold. Never received an update from customer service reps as the keep informing me they cant see the status. my mortgage has increased from XXXX XXXX XXXX without my knowledge and i don't know next steps as i have yet to here from phfa and it has been 8 months since last contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$25000.00}

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 2023-05-03
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$25000.00}

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 2023-08-28
Company: Arivo Acceptance, LLC
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:
I want to file this please as my formal complaint to ARIVO ACCEPTANCE for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a US Bank XXXX XXXX account with promotion XXXX, which states as long as I deposit {$3000.00} of new money into the account, keep in the account until 60 days after account opening ( XX/XX/XXXX Opening ). As the attachments show, I opened the account on XX/XX/XXXX and deposited {$200.00} via credit card upon account opening ( new money ). I then transferred over {$2800.00} from my XXXX checking account. This totaled over {$3000.00} new money. I kept the money in the account until XX/XX/XXXX, which was well over the 60 days ( XX/XX/XXXX ). I called US Bank on XXXX, where I was told I would get the bonus within 10 days. I waited until XX/XX/XXXX and contacted again as 10 days had passed. I was told a case would be opened. This case has been opened since XX/XX/XXXX, or 19 days ago ( XX/XX/XXXX ). I met all the requirements, made multiple attempts to contact US Bank and no results. 

Furthermore, created the first CFPB claim on XX/XX/XXXX and US Bank states this will not offer the credit because I didn't register through their business login. As I shared with them I already had a personal login where the account showed up and wasn't told that I needed nor how to create a new business login for the account. I met all the financial requirements, but due to this poorly labeled requirement I was told I would not get the bonus. This is a mere technicality. I reached out to the person who responded to the complaint and she never got back to me. 

Therefore I am submitted another claim for the {$500.00} US Bank should be providing. I ask that they honor the bonus and allow this XXXX exception to a technicality that isnt very clear. 

Thank you

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 2023-02-10
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through XXXX XXXX  and with zelle. From XX/XX/XXXX through XX/XX/XXXX there was a total of XXXX in transactions on Zelle. And during that same time frame there was a total of XXXX. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: U.S. BANCORP
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX XXXX secured credit card with US Bank with a deposit of {$300.00}. 
They took my deposit from my checking account right away and it took them 2 months to mail me the credit card, which was ok somehow. 
Today XX/XX/XXXX I received a statement from you asking me to pay {$110.00} including past due {$43.00} I was charged late fees and other fees and interest : XXXX Total : XXXX On XX/XX/XXXX I asked your CS to close my account via email, and I got some messages from you. 
I also asked if I have to pay the balance and I was told that I don't have to. Now you charged me to pay late fees for past due amount. 
At the beginning of XXXX I received ta letter from you stating that my remaining balance will be send to me via check on XX/XX/XXXX, but I have never received such check. Instead you charged me all kind of fees. 
You need to issue a refund for all those fees I was charged and stop charging me fees and send me a check for the remaining balance. 
This message will be send to CFPB too. 
Unbelievable.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
For over six years the lease is still showing late. XXXX XXXX has not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against XXXX XXXX ( debt collector ), P.A, Attorney for Plaintiff, American Express National Bank in conspiracy with American Express National Bank witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to American Express National Bank. The notice included an affidavit signed by Assistant Custodian or Records for American Express National Bank, XXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Source Receivables Management LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Notarized letters were sent via USPS XX/XX/2023 to have account removed due to no knowledge of it to be removed. 
I have not supplied proof under the doctrine of estopped by silence, Engelhardt Gravens ( mo. ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

SOURCE RECEIVABLES MANAG : AMOUNT : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions Inc.
State: MS
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : 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

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