BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This complaint is in regards to Capital One. I had a payment due XX/XX/2022, I scheduled payment for XX/XX/2022. Payment was received by Capital One on XX/XX/2022 in the amount of {$60.00}. I was charged a late fee of {$40.00}. I called capital one and they would not credit back late fee. I made my payment on-time and have statements for proof of on-time payment. I would like for Capital One to be investigated for improper business practices and my account to be credited back the amount they charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was in the market to purchase a home so I got a copy of all 3 credit bureaus. 

My score is considered very good in the 760 range, however, someone or some company with ill intent has applied for multiple credit cards under my name unauthorized. 

This has harmed my credit standing and my score making it seem as though I'm seeking credit. 

I currently use about 8 % utilization and have well over $ XXXX in available credit. It would be senseless to apply for more credit despite having an exorbitant amount of low or XXXX percent interest at my disposal.

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 2021-08-12
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On Friday, XX/XX/2018, I was awoken by a phone call from XXXX XXXX of National Credit Systems prior to XXXX XXXX. Pacific Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CITIBANK, N.A.
State: CA
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:
Citi card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to XXXX and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on XXXX provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.

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 2021-08-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 amount of {$3100.00} and action taken by the bank without my knowing and Yes I wanted to file a complaint against Wells Fargo I was given a gift for financial support and wells fargo is closing my account and not letting me access my account

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 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Midland credit debt collection keeps reopening my acct after closing. The debt collection was from XXXX. I disputed with XXXX XXXX and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my XXXX  and its been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: CA
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:
Hard inquires from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Once again, CITIBANK is avoiding the truth in how they mismanage accounts. I am DEMANDING CITIBANK provide a fully executed copy of the credit card agreement indicating the precise section within it where CITIBANK is permitted to cut a debtors credit limit to below the debtors current balance. 
In doing so, it makes it appear the debtor is in violation of the credit card agreement relative to having a balance over the card limit. 
I NEVER exceeded the limit placed on my card. CITIBANK arbitrarily reduced this limit in an effort to place the card into collection status. 
This allowed them the minimum amount of feigned effort in working with an unemployed American not eligible for collection of ANY state or federal financial assistance.

This behavior by CITIBANK represents complete consumer fraud and I will expect this document in my effort to restore the credit damage placed on my once stellar credit profile. 
My suspicion is that due to my surname and being a minority, CITIBANK chose to consider me a credit risk in spite of my past decades of responsible credit use.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-03-31
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/2022 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have submitted information to credit reporting agencies and have not gotten any results or compliance with them.

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 2021-08-12
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number be updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : PROFESSIONAL BUREAU OF COMPANY XXXX #, XXXX XXXX # XXXX, XXXX XXXX XXXX ( MEDICAL ) # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX  XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : EXPERIAN XXXX XXXX  / Inquiry Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : EXPERIAN XXXX XXXX  / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX - Account Number : XXXX / XXXX/XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXXXXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
so many problems with Ally ... where do I begin? 

( Note that there are numerous problems with Ally, but the CFPB complaint form only allowed me to choose one account and one problem ) 1. Scam : a. I received a phone call ( allegedly from XXXX at Ally Executive Customer Relations ) and email telling me to call a phone number that I don't know ( XXXX ). I XXXX called that number and left a message - then later I searched for the number online and it's high risk of spam. On XX/XX/XXXX I messaged Ally through their website " I received a phone call from a number caller ID calls " SPAM RISK '' asking me to contact Ally. Also an email... Please communicate only via this online Secure Message system, so that I can be sure it isn't a scam... And if you need to tell me something ... what do you need to tell me? '' I have never heard back from Ally - not in response to the voicemail I left, and no response to the message I sent through their website. b. So was it Ally who called / emailed, or not? c. And if so - what does Ally want? Per my message - Ally should communicate ONLY through their website so I know it's really them. d. And if it wasn't Ally who called & emailed - how did the scammer get my information? 
2. MAJOR problems with debit card : a. They cancelled my debit card without telling me- this could have caused a very embarrassing or even legal problem if I were unable to pay for my meal. I have a new debit card now so this is no longer an issue for me- but the fact that they will cancel a debit card without informing the customer IS an issue. 
b. They allegedly sent me two debit cards which I did not receive. NOTHING should be mailed to my street address EVER. That's why I have a separate MAILING address. Even though thecards have been cancelled, there are still questions : What address did they send them to? And why didn't I receive them? As I have messaged Ally, I was a victim of identity theft- do they have another address for me? Did somebody hack my info? 
c. As I messaged Ally on XX/XX/XXXX through their web sitebut they have ignored my message - when I FINALLY received my debit card, I was unable to use the toll-free phone number on the card to activate it, as it would bring me to an endless loop of voice messages. ( I finally was able to activate it using their phone number for out-of-country phone calls. 
3. Retirement account : a. They have yet to answer my question about what KIND of retirement accountwas my XXXX account, and they refuse to answer - onlystating that it is a retirement account ( duh ) but not telling me what kind ( IRA? Roth IRA? Other? ) 4. Checks a. I ordered ten checks- and received 20 checks with the wrong starting number. So far this has not caused problems, but it's yet another example of their incompetence.

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 2021-08-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, a XXXX XXXX XXXX XXXX valued at about {$16000.00} with XXXX miles was loan from XXXX XXXX and financed by The Hunington National Bank. The vehicle was marketed through deception by the sales associates at the XXXX XXXX XXXX. I test drove the vehicle for less than three minutes and was convinced by the sales associate that the vehicle was in a very good condition. I left the dealership with the vehicle at about XXXX XXXX on Wednesday XX/XX/XXXX and noticed that the transmission was bad. In less than an hour on the highway, I experienced trouble with the transmission. I immediately notified the dealer and the bank of the vehicle 's transmission problem. 

On the following, Thursday XX/XX/XXXX, the vehicle became undriveable and was towed in to the dealer for transmission problem. The dealer did confirm that the vehicle has transmission issue. At this point, I asked the bank to let me out of the bad deal because I sold the vehicle was sold under deception. The bank refused to let me off the auto loan claiming that I had already signed the agreement. I drove the vehicle for less than 24 hours when the transmission went bad. The vehicle was repossessed by the bank and auctioned for less than its value. 

The bank failed to notify me about the vehicle sale. I was only notified by mail that I have a balance on the auto loan of about {$5000.00}, which is been reported to all three major credit bureaus. I have contacted the bank on several occasions to remove the balance on my credit report. This negative report on my credit has caused enormous financial hardship that I am unable to get another auto loan. I implore the timely intervention of this agency to resolve this issue by removing the negative report on my credit file with all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # 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 The XXXX, XXXX and Transunion did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the XXXX, XXXX and Transunion verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for XXXX, XXXX and Transunion. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.

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