BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), moreover I was never 90 days late ( XX/XX/XXXX, XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any itrms or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXXV XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 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
Consumer complaint received 2023-01-16
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2021-01-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I log into the Chase.com website to make a payment and I dont have a payment due yet, it will not let me make a payment on one account at all. On the other account it would only let me make the minimum payment amount and not more so I end up paying more interest. I have 2 different accounts with Chase. One is closed and I am making payments to pay it off. The other one is open and it wont let me make a payment. I spoke to 2 different people today and the second one said that she knows that lots of people are having this problem and the solution is to make the minimum payment and then pay more a second time. But I dont have a minimum payment due so I cant make any payments at all. So if I have to wait until a minimum payment is due then it costs me more interest. The woman said that she will file a complaint with Chase but she also said that she has seen this problem for the last several months. Is this a scheme of Chases to get more interest out of their customers? They dont seem to interested in solving the problem since the woman I spoke to said she has been having this complaint for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Fraudulent charges were made using my Edd card information the end of XX/XX/XXXX. As soon as I was aware of the fraud I contacted Bank of America to deactivate the card and ask for a new one to be reissued. Bank of America is saying that my account was closed or frozen on accident and that Edd needs to notify them first before they can reopen or unfreeze account. I have made numerous calls to both Edd and Bank of America with no help from either. I need to access the remaining balance that was on the card. It is now XX/XX/XXXX and I am still trying to access my money.

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 monetary relief
Consumer complaint received 2021-01-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
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:
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit -  Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments

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 2021-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have spoken with numerous people at Chase to try and obtain a cash back credit card. I am clearly being discriminated against. Any source of income I offer to provide they simply say it's not good enough. I have offered screen shots of all my activity in my investment accounts, I have offered to send screen shots of all my bank accounts. I have offered everything I can but they are declining my application until I can provide tax returns that won't be available for months. This is clear discrimination against people that work for themselves. I was also told that I could not record the phone call while they could. It's not fair to hard working Americans when they don't have access to tools to help save money. It's not fair to people that have legitimate income that have to jump through hundreds of hoops to get a basic credit card. They are asking for screen shots of information when this should be done electrically. I have offered them all my account numbers but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} CAVALRY PORTFOLIO SERV - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is XXXX XXXX. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was called this morning, and an IVR told me that they've tried to reach me several times about a " critical issue '' pertaining to the interest rate on my credit card. I pressed 1 to find out what this was all about, because this was the first I was hearing of it. I was then transferred to an individual who started speaking in such a hushed monotone ( and quiet volume ) that I had to ask him to repeat himself. He then did, at which point he said this was a line to call about lowering my interest rate on my Visa credit card. I said no, I'm not interested, but I was wondering if there was an issue that needed to be amended because the IVR made it sound like I was not attending to an issue and that I was going to be charged with some sort of penalty. Before I could finish speaking though, the representative hung up on me! I was being courteous as well, so now I'm very confused as to whether or not I'm still in the doghouse and why the representative was so rude in hanging up one me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The original Federal loans taken out were before XXXX at the XXXX XXXX XXXX At some time the loans were consolidated without my knowledge and/or deceptively to extend the loans amount. I have over paid Navient by several thousands of dollars, the exact amount I am attempting to determine. I have been paying these loans for more than 20 years and, according to the federal government correspondence, these loans should have been forgiven in XXXX. Navient will not provide any specific details on the history of the loans or the total amount paid. I only have received general information and they are also harassing after only pausing my payments because I have no confidence that these loans are legal or are being handled properly, to date I have only missing the monthly payment for XXXX resulting in harassing phone calls on every day, including Sunday and as late as XXXX. I did open a previous case, but I believe this case needs to be addressed with a greater attention to detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Markoff Law LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue an I want my state tax return to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Amsher Collection Services, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a call from AMSHER COLLECTION AGENCY on XX/XX/2023 about a debt from XXXX that I owe from 2 years ago. Which I didnt realize that I owe. They said I owe {$180.00} and I was sure I just owed {$80.00}. I told them I only owed {$80.00} and that its only {$80.00} Im gon na pay. Which they agency agreed for me to pay. 

Money was taken from my account twice to a total of {$80.00}. And I thought it was over after that. Only for me to receive a notification a month later that a had a negative collection on my credit report. I had a negative collection of {$100.00} on my credit report. Out of fear for my credit report I paid the {$100.00} with the hope that the collection would be removed from my credit report but it wasnt. 

I called the collection agency and asked why they kept a negative collection on my credit report and they said I didnt pay the remaining {$100.00} and I didnt dispute the {$100.00} within 30 days. 

First of all I wasnt even told nor neither did I agree I was going to dispute the reaming {$100.00}. I didnt even know I could dispute the remaining {$100.00}. 

I recently read the Fair Debt Collection Pratcies Act and it says the collection agency after 5 days of contacting me had to write me a written note about the debt. But I never got any written letter to my mail. 

This I feel is a breach of the fair debt collection practice Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2800.00}

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 2023-05-14
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
Today, Credit Karma listed all accounts closed, and Consumer Deceased remarks on my XXXX reports. I am very much alive, and wish to know that was complete and accurate information sent to Credit Karma directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-05
Company: Frontline Asset Strategies, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Frontline Asset Strategies is attempting to collect a debt from me by XXXX. In early XXXX, I returned a newly purchased phone ( phone purchased within one week ) to XXXX due to issues with the new phone plan. I contacted XXXX, who stated I was able to return the device. I was then sent a return label by XXXX XXXXo have the phone shipped through XXXX. I delivered the phone to XXXX, who then accepted the package and shipped it to the XXXX headquarters in Texas. After several months, I was contacted by a debt collection agency stating that XXXX never received the device, and I now owe them {$790.00}. I was never contacted by XXXX  stating the device was not received. I then contacted XXXX  and received an email confirmation from XXXX stating the device was dropped off & received at the XXXX Texas location XXXX I was then continued to be contacted by the initial debt collector XXXX XXXX regarding the debt, even though I provided them with written confirmation that XXXX had received the device. I finally disputed the debt through the credit companies, and it was determined that the debt was invalid due to fraudulent charges. I am now being contacted by another debt company, Frontline Asset Strategies, that is stating XXXX states debt is still valid. I am now being told that it was not only the device but additional charges on my account ( my account was cleared before I stopped service with XXXX XXXX I was not sent a billing breakdown of the {$790.00}, only a statement showing I owed that amount ( no information or itemization of what constitutes the debt amounts ). When I have tried to speak with Frontline asset management, I am told various reasons as to why the debt is valid, including I was with XXXX  since XXXX and I was not allowed to return devices, that it was from a past bill, that XXXX did receive the phone, but they can not find it in their warehouse so it is my responsibility, etc. I continue to be harassed by XXXX  regarding this debt, although I returned the device and have confirmation from the shipping company it was returned. XXXX and the debt companies refuse to give me a breakdown of why I owe this debt, and I continue to get random reasons as to why the debt is valid every time I speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 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 2020-08-18
Company: EQUIFAX, INC.
State: OH
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:
This account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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.

The letters are stated with items and issues.

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 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