BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom this may concern, I've been making on time payments for the last four years that i've been crediting with Capital One. I happened to have my credit set to monthly deductions and somewhere down the line I got hit with fees and interest charges during the time of XXXX, XXXX and XXXX of XXXX  that I wasn't aware of. I still made payments on time for those months and it shows that. The monthly due payments was originally set to {$25.00} a month and I made a financial strategy to at-least pay double the amount ( sometimes even more ) down, but Capital One changed the monthly rate without me being aware and that caused an unfair financial crisis for my situation during that time with the unexpected increase in fees and lost of job. I've still made an effort to pay " on time '' for those months and I've paid over the original {$25.00} a month fee that was originally set from Capital One. I've been neglected a place to live for this unexpected situation and increase in fees even till today. I truly believe that this is not a great indicator of my actual credit worthiness and shouldn't be the reason why I might be homeless when I've still been making payments " on time '' from that time till now. To be considered an " Late Payment '' isn't a fair statement towards my credit report due to the unexpected increase and with me making payments before 30 days past due mark and according to the FCRA anything thats not fair or 100 % accurate has to be deleted off my credit report and I've been making payments every month especially in XXXX of XXXX. 
I actually like Capital One and refer many family and friends.I hope that you will deeply take this into consideration, make some adjustment towards my credit report and your reporting to get these late payments removed and prove once again, why Capital One is heads above the rest!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
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 explanation
Consumer complaint received 2023-04-25
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: 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. Equifax 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 them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.SXXXX 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 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 2023-04-11
Company: Aequitas Capital Opportunities Fund, LP
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently visited XXXX XXXX  XXXX XXXX ( XXXX ) and owed some small medical debt to them. XXXX partners with a company called CarePayment ( CP ). Through CarePayment, XXXX offers their customers a 0 % line of credit. They advertise that all a customer has to do to opt-in to this line of credit is to not pay their bill for XXXX  days and they'll receive further communication from CP. " If you can not pay the entire balance within XXXX  days, our partner, CarePayment, will notify you regarding a XXXX interest monthly payment plan. You will receive a welcome kit from CarePayment in the mail that includes your first statement with the due date and the amount of your monthly payment. '' This process worked perfectly for my bills dated XXXX and XXXX. However, I also had a bill dated for XXXX that, instead of being sent to CP and applied to my 0 % line of credit, is being forwarded to collections. XXXX sent me a bill that has contradictory information on it, leaving me unsure of what's going to happen with my bill. For the statement for XXXX, the most recent bill they sent me still says I can not pay the bill and XXXX  days later they'll add it to my CP account, but they also say that I only have XXXX  days left to pay the bill or they're going to send me to collections. I received no such threatening letters regarding my XXXX and XXXX bills as they were properly applied to my CP account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Please reference complaint XXXX. The reply from the company was a lie. I have proof that they called. I will provide a screen capture of my phone record from that day. They broke the law, harassed the other person who answered my phone, and proceeded to give that person personal information about me without verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
In XX/XX/XXXX/XX/XX/XXXX I applied for online offer ( see attachment # 1 ) from American Express for an AMEX SPG credit card that would reward you with XXXX SPG ( Starwod Preferred Guest ) ponts, if you spent {$3000.00} within the first 3 months and an additional XXXX SPG points if you spent an additional {$2000.00} within the first 6 months. My application was approved and I was issued an SPG AMEX card ending in # XXXX. I did spend {$5000.00} within the first 6 months as advertised and I called AMEX to find out when I would receive my XXXX SPG bonus points? The AMEX rep advised that I needed to wait another 1-2 billing periods. I called back again in XX/XX/XXXX and was advised that I did not qualify for the promotion because I had an AMEX card 3 years before. On XX/XX/XXXX, I sent an email to the CEO of AMEX, XXXX XXXX, ( attachment # 2 ), explaining my disappointment with the marketing of the AMEX SPG card, as AMEX had all the information on my prior AMEX cards before approving my application for this offer, so I assumed I was approved for the AMEX card and the offer. If I had not been approved for this card, I could have applied for an AMEX SPG Business card or to a competitor 's promotional offer, rather than spending {$5000.00} with AMEX. I received a response from XXXX XXXX 's office ( attachment # 4 ) echoing the explanation given by the AMEX rep. On XX/XX/XXXX ( attachment # 3 ), I sent another email to XXXX XXXX ( Assistant to XXXX XXXX ) of AMEX, detailing why I felt that offer was deceptive or misleading and deprived me of fulfilling a promotional offer from another credit card company and AMEX 's email repeated the same response as their prior email ( Att. # 4 ) I then forwarded my complaint to the Consumer Protection Bureau of the PA Attorney General 's Office ( attachment # 5 ) .and in XX/XX/XXXX I was advised they could not resolve my complaint with AMEX ( attachment # 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
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:
A credit enquiry appeared on my report that was fraudulent. The enquiry was from XXXX XXXXXXXX XXXX whom I have never had any dealing with. I contacted XXXX XXXX who told me that I had to contact the credit bureau. I contacted the credit bureau, Experian, and filed a dispute. Earlier in the year I had several enquiries that I needed to have reversed due to fraud, and therefore I had frozen my account. Subsequently I have had nearly 100 'soft ' enquiries. 
I filed the dispute, and this was rejected within a couple of hours. The fraudulent enquiry remains on my report. 
No-one from Experian or XXXX XXXX reached out to me for any further information.

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 2023-03-13
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 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 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 2021-07-01
Company: UMB FINANCIAL CORPORATION
State: TX
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 customer service

Complaint:
Discrimination of honoring my Promotion and refusal of a Management complaint! 
All is recorded! 
On XX/XX/XXXX I called 3 times to speak with 3 different customer service representatives that were available and ready to assist me with my Balance Transfers in regards to the statement I received. With the XXXXrd representative she took all of my information over 17 minute call and stated allow up to two weeks for the banks to receive the checks, that was it!!!! Whats disgusting and disturbing after to speaking with 3 customer service representatives about my offer 0 % interest rate with a 3 % balance transfer one time fee, ready to process stating its still available with no problems on XX/XX/XXXX XXXX XXXX Employee ID # XXXX calls me. I have two voicemails and we both have recorded conversations between her and I on today! Its unprofessional for her to call me to inform that XXXX XXXX her manager states, he will not accommodating my Balance Transfer after the representatives stated, it was available on XX/XX/XXXX the only problems that could occur is if I gave them the wrong credit card number & address information ( thats it thats all ). Nothing in the recordings from the representatives state the promotion has ended or will be a issue if it has ended!!! This is the second time UMB has stated something is offered to me and I was lied to. Its unprofessional and deceiving that Ms. XXXX and XXXX XXXX did not honor the transfer I am exhausted and disturbed by this whole unprofessional/unorganized staff! I dont work for UMB and should not spend hours of my day going back and forth with a deceitful management team that lacks leadership, empathy, training and honesty! I asked several times on the recorded calls for higher management where I can have a conversation with this matter and was deceived that one would call me and didnt! I have on recording where MsXXXX XXXX states I can waive the 3 % balance transfer fee with a high APR rate, but not give you the 3 % balance transfer fee 0 % interest rate to XX/XX/XXXX, but earlier in the conversation you cant offer me anything again the lies/deceit! Dont insult me with ignorance I am requesting my promotion again the full promotion. Nothing less or they close my card without any negativity coming against my credit ( I know that a customer can be penalized for just closing their own credit card ; therefore UMB staff can close with ANY negativity reflecting a impact to my credit card they can close it )! I will never ever refer anyone to using or applying for this card because these people discriminate and take no accountability with their lack of customer service or promotions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-12-23
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Now mid Atlantic doesnt want to give me a location where the car is and they are constantly hanging up on me on purpose. 
They are charging XXXX repossession fee plus they said there is a administrative fee that the repossession place will charge and separate storage fee ontop of the past due amount. They changed the fees from XXXX. Online to XXXX then they said the full amount is XXXX because XXXX to pay over the phone then the book value of this car XXXX right now and I want to pay it off and have my title but they refuse to negotiate. The car has been in accident on the rear panel of the right side the panel alone cost XXXX the rear fender is about XXXX the car has XXXX miles the car is old XXXX XXXXXXXXXXXX XXXX and they are asking for {$7100.00} and the credit bureaus all three have incorrect reports of the balance and the car tag price initially XXXX deceptive practices XXXX XXXX XXXX never gave me all the documents complete of this transaction lied to me about the price of this car. I would be willing to negotiate XXXX to buy this car remove the repossessions from my credit and give me the title. They will not get anything for this car at an auction they are also threatening me to pay the XXXX in XXXX days or it will be auctioned without sending me a letter at all just verbally over the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported account as late XX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( XXXX, XXXX and Experian ).

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 2020-03-13
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX ( XXXX XXXX XXXX ) sold my loan to Specialized Loan Servicing ( SLS ) without my knowledge in XX/XX/2019. I was not informed by either company that this had occurred. The only reason I found out it happened was by going to a XXXX  XXXX XXXX branch office. Although XXXX  XXXX XXXX has my current mailing address, both of these companies claim they mailed this notification to the address where the loan was taken out, which I haven't lived at for 13 years. Not only that, SLS filed a complaint against my credit report saying I was delinquent in XXXX when, as I said before, I didn't even know they had my loan so how could I make a payment? They placed an insurance policy on my house without my knowledge. I have informed them that I have insurance ( sent copy and had my insurance company FAX them the policy ( XX/XX/XXXX ) ) and pay my own property taxes and yet they still have an escrow account for me they want me to pay into. I paid them {$1300.00} on XX/XX/XXXX to bring my account current. My payments were {$460.00} per month with XXXX XXXX XXXX ( fixed rate ) and yet my payment for XXXX was {$740.00} on XX/XX/XXXX. A representative of this company informed my payments were to go up to {$810.00} in XXXX. According to a lawyer my payments should remain the same. I have no access to my account online and have been given the run around as to why this is so. They send no paper documentation to show what is happening with my account. I believe Specialized Loan Servicing is run by criminals who use fraud to steal people 's homes.

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 2023-04-11
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My initial complaint, XXXX, was withdrawn because I need to attach documents that include communication from Equifax providing XXXX that this company is contacting me directly instead of through the Consumer Financial Protection Bureau XXXX I was told to do this by a representative from CFPB. My initial complaint still stands, which is : Equifax is refusing to update my credit report with the current address as well as other information, and it has decreased my score significantly with the new information it does receive. However, it doesn't use the new information to actually update my credit report profile. I have sent in as well as tried to upload my documents, and Equifax still refuses to update my information. Someone else is receiving copies of my credit report because it goes to a previous address located in a different state. I have called, and Equifax will not correct the issue unless I send out even more copies of my persoal information. No one should ever ask for a copy of your social security card, ID, Birth certificate, and Lease Agreement documents al at once. This is like handing over everything about yourself. This is how this company misuses personal information. 

Equifax is currently stating that my credit file can not be found, which is interesting given that they were able to contact me at my new address, no less, to notify me of this. They were also able to update my score by dropping it almost 100 points. Interesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: TN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: GA
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 XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXXXXXX XXXX account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.

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