BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Social : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers? 

XXXX. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation XXXX. ) They have now chosen to harass and cause me XXXX  not only XXXX XXXX XXXX XXXX XXXXXXXX XXXX but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. 
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? 

Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: GA
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:
The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a holder of both the Venture and Venture X credit cards by Capital One. I am unable to access my credit card transactions online or use the travel portal for the last 2 months despite having an active account. 

I have made numerous calls with Capital One customer support and been passed around to many different teams across Capital One but have not received a resolution. I have had a total of XXXX hours of phone calls with Capital One over the past 30 days. I pay {$490.00} worth of annual fees for both travel credit cards but am unable to use any of the travel benefits. 

Capital One has failed to provide any estimated time of resolution nor can they enable me to book travel using their travel agents. I was told that I am welcome to quit my bank without any refund of credit card fees or miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a cease and desist letter to Bridgecrest on XX/XX/XXXX to which they've disrespectfully ignored my request and sent the entire letter back to me. I stated I wanted them to remove all negligent and embarrassing information, which they did not, nor did they send a check for the punitive damages they've caused. Is Bridgecrest above the law? Why do they get to operate above the law? How will they be reprimanded by the CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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: Credit inquiries on your report that you don't recognize

Complaint:
there are several Hard Inquiries that I don't recognize, they are fraudulent, without my permission. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have attempted 8 times to resolve a payment issue with Flagstar Bank. The problem is the bank keeps taking funds out of a XXXX bank account that is not supposed to be used for payments. We switched to a XXXX bank account for our automatic monthly payment, but Flagstar continues to use XXXX bank, causing overdraft fees, etc. We have a newborn baby and do not have the time to speak with Flagstar Bank over and over again, each time they promise the issue is fixed, each time the problem remains. We have spoke with management and the customer service representatives have been documenting all of this.

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 2022-09-11
Company: CITIBANK, N.A.
State: NY
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:
Unauthorized hard inquiry on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My information has been used to open several accounts I have reported it to local authorities this has caused my credit to be in a horrible atate

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 2022-09-11
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a dispute with a service from XXXX XXXXXXXX XXXX I disputed it with Discover in a timely manner. Discover has gone back and forth on this for several months, and now they say they have information it is a proper charge. I have not received any of the documentation, and also, Regulation E requires disputes to be resolved within two billing cycles. The 2nd billing cycle would have expired on XX/XX/XXXX, and Discover has made this decision on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Some one used my SSN to get services and apply for credit. Now its showing on my credit with Inquiry and Charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of 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 explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 name is XXXX XXXX and I am having some issues with Credit Card department. I had originally applied for a XXXX XXXX XXXX in XXXX of 2022 to help rebuild my credit profile. In late XXXX I received my first statement but never received my card. I reached out to customer service and they advised me that they would send out a replacement card and restart my account so I can make the Annual fee payment after I receive my card. 
I then receive my second statement but did not receive my card again. I contacted customer service and informed them about my card, they agreed to send out a second card and again reset my account. I then receive my third statement and no card. At this point I called customer service and requested that my account be closed. I was told that nothing was reported to my credit due to this discrepancy. 
I recently got a copy of my credit report and not only did they report XXXX lates but they also reported XXXX different accounts. This is very damaging to my credit so I reached out to customer service to get these accounts removed as I never received the credit cards. I was informed that XXXX XXXX is unable to do anything about this and that it should be disputed through the credit bureaus. I advised her the information being reported is correct and is hurting my credit drastically. I requested to speak with a manager but was denied. The representative would rely my concern to the manager and the manager to would advise the representative what response to give me. 
The second time I reached out and was finally about to speak with a supervisor, she informed me that 3 accounts WERE NOT reported and that only 3 cards were issued. I advised that 3 accounts are reported and to please remove them or to transfer me to someone that could help with the situation. She insisted that I should take to the credit bureaus as they can not do anything about it.

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 2023-09-17
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$100.00} XXXX Debit card issued by U.S. Bank National Association from XXXX XXXX XXXX on XX/XX/2023 pursuant to a license from XXXX USA for a gift. As soon as my mom tried to use it, it did not work. I called the number on the card, and the agent indicated that they de-activated the card AFTER I purchased it since their records showed someone else had tried to check the balance of those numbers in XXXX before I ever touched the card as it was in a rack in the store at that time and I was not there. Apparently thieves take large card numbers and keep checking them to see if they have been activated so that they can drain them after someone else purchases them, while the purchaser doesn't know they have the number. The agent at US Bank National Association they said all I could do was send my driver 's license and pictures of the card to a fax number XXXX XXXX XXXX. I asked to verify that fax number or if there was an email or if I could speak to a supervisor, but the two agents did not accommodate the request. I XXXX  that number, and many cases said that it was a scam. People have reported that the bank does that to get your personal information, and many people send that information and never get a new activated card. I have case numbers from my two calls to USB if needed. I asked if there was an email that I could send to verify that my information would be secure, and they said no. I really want my {$100.00} back! I called XXXX where I purchased it also, and they directed me back to the bank phone number on the card so I called the second time for the second case number that I can provide. If they can see that the card has been de-activated and no money has been used, why can't I just send them the card back with my mailing information or receive a digital card. Why do they need my government ID with no proof that they will protect my information? This is not my fault! I did nothing wrong. This should not be allowed as it has happened to many people.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is 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 2023-02-21
Company: Experian Information Solutions Inc.
State: MA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/2021 Please remove it from my credit report.

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 2018-09-11
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Over the course of three years ( XXXX ), Sallie Mae ( now Navient ) loaned me {$130000.00} in private loans while I pursued my doctorate. I was a full time student at this time, so my husband co-signed for me ( although his yearly salary was only about {$65000.00} at the time ). I completed my doctorate in 2013. While I was in school, Navient kept my loans in deferment. Once I graduated, I went into repayment but quickly found that the capitalized interest had increased my loan amounts substantially, and the minimum payments they required were greater than I could afford on a teacher 's salary ( at one point, they were demanding a payment that was about 2/3 of my monthly take-home pay ). I have asked for income-based repayment plans on numerous occasions but have been told repeatedly that they can't help me. They have put two of the five loans on a reduced interest rate that makes the payment more manageable but they have repeatedly refused to work with me to make it feasible for me to pay on ALL my loans. Since I've been in repayment, I've paid a total of {$27000.00}. My loan amounts have increased ( in total ) by {$120000.00} so that I now owe Navient {$260000.00} and can not begin to make the minimum payments they are requiring. I have filed complaints in the past regarding the derogatory and unethical comments and threats Navient representatives have made to me ( one representative told me I was stupid, and another threatened to have my teaching license revoked since I was behind on my payments while another threatened to send the sheriff to my home to arrest me ). I am filing this complaint now because XXXX XXXX, the attorney general for Mississippi, has filed a lawsuit against Navient for fraudulent and deceptive student lending practices. I feel that I have been victimized by Navient since they should never have loaned a college student/teacher {$130000.00} in the first place. Since those loans, they have failed to notify me of the penalties and interest that I am accruing and have made it easier to put my loans in forbearance rather than working with me to make payments in keeping with my actual income and family size. At the rate at which Navient increases my interest rates and piles on penalties, it is going to be impossible for me to earn enough money over the course of my lifetime to pay them off. Ever. I have offered to pay what I can on each loan as a sign of good faith but even that was denied. This company is worse than modern day mobsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, : XXXX  XXXX # 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 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 explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation