BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL 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 XXXXXXXX ATTN CFO NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 

XXXXXXXX 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 XXXXXXXX Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ).

- EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the report is NOT TO BE INCLUDED on my Consumer report. 

Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid as agreed, when from paid on time on XX/XX/2023 to 30days late in XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: FL
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 was given an AMEX gift card as a XXXX gift from my work. I've tried to use my AMEX {$200.00} gift card on a multitude of websites and it declines every time without fail. I've checked the balance and know for a fact that it has money on it. Granted, no longer {$200.00} as every time I try to use it, it charges a XXXX cent pending fee. So it can do that, but for some reason can't just work. 

I tried calling AMEX and received no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
TD Bank is alleged to engage in misleading conduct vis -- vis the bank regulator. The initial paragraph of the communication dated XX/XX/2023, purports that the bank possesses the discretionary authority to close accounts, among other prerogatives, as articulated in the provision entitled " XXXXr Right to Refuse/Close Accounts. '' This provision states, " The Bank reserves the right to refuse to open any Account and to terminate any Account at any time, and for any reason, or no reason without notice to you ( unless notice is required under applicable law ). '' However, it is contended that this provision pertains exclusively to the banking relationship. The undersigned expresses a reluctance to perpetuate said banking relationship should the bank exhibit a disinterest in facilitating business transactions.

The focal issue pertains to the mortgage and loan agreements, constituting a contractual nexus between TD Bank, the lender, and the undersigned, the borrower. The undersigned avers continued adherence to the stipulated obligations within the loan agreement, remitting timely payments as required. Notwithstanding, it is alleged that the lender is engaging in discriminatory practices by impeding online mortgage payments, ostensibly motivated by the unfavorable status of the banking relationship.

It is underscored that the loan agreement executed by the undersigned does not confer upon TD Bank the unilateral authority to modify the terms of the loan, a standard feature in XXXX XXXX XXXX XXXX XXXX loan agreements. The undersigned asserts a lack of proper channels for communication with the lender, encountering redirection to the demarketing department when attempting to engage with the loan servicing department. The perceived discriminatory treatment is vehemently contested, as the undersigned claims innocence of any wrongdoing.

Furthermore, the undersigned contends an inability to receive correspondence through mail, highlighting a deficiency in the delivery method, specifically citing the absence of proof of delivery in the case of prior statements dispatched via regular first-class mail. The undersigned disputes having consented to exclusive notice delivery through first-class mail. The lender 's representations at the loan agreement 's inception purported that online payment and viewing facilities would be accessible.

In light of the alleged inadequate servicing of loans and efforts to position the loan in default, the undersigned respectfully implores the Consumer Financial Protection Bureau  ( CFPB ) to intervene. The request is for the CFPB to compel TD Bank to transfer the loan to an alternative servicer, premised on the asserted animus towards the undersigned as a customer, deemed to contravene the Fair Housing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: PA
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:
The credit bureaus stated that my account was properly investigated XXXX XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
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 am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with Credit Acceptance Corporation. I have never applied for an auto loan with Credit Acceptance Corporation. The auto loan account with Credit Acceptance Corporation is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from Credit Acceptance Corporation call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX for a fraudulent account and debt of {$7000.00}, I dont owe. Credit Acceptance Corporation is in violation of The Fair Debt Collection Practices Act ( FDCPA ).

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 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over XXXX years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: CDS Debt Relief, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I been In contact with company regarding a refund and I have not recieve it. They took a payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX and on XX/XX/XXXX for XXXX. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied online for the Citi AAdvantage credit card on XX/XX/23. In the application details, it states " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately. '' I immediately received an email confirming my credit approval with a limit of {$17000.00}. The email only included the last 4 digits of the account card. I called Citi and American Airlines to see how to get the account number, as I wanted to book a flight from XXXX to XXXX that had dropped from {$290.00} to {$130.00} in XXXX hours. 

Citi told me that I would either have to wait the 7-10 days to receive my physical card in the mail, or XXXX hours when an email would be sent including the account number. XXXX hours is not " immediately '' as advertised, and given the fluctuation in prices by day, I might have applied for this line of credit without any benefit of savings.

I was told by American Airlines that the card information would automatically be added to my AAdvantage account, but it has not.

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 2022-12-25
Company: Experian Information Solutions Inc.
State: OH
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:
To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX account # 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 XXXXXXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.

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 2021-07-12
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A savings account was opened at a Navy federal credit union by someone whom stole my identity.To be a member of NFCU You must be current/former military and or be sponsored WHICH MEANS THIS PERSON CAN BE TRACKED DOWN.They also open account without verifying just whom a person really is, meaning the account was opened online with NO SS CARD AND A ACCOUNT ASSOCIATE STATED NO PICTURE ID. 
That is very disturbing and ONE SHOULD HAVE TO SUBMITT PHOTO ID, of AND SS CARD # .They also claim im not entitled to any of the documents used to fraudulently open the account the LAW SAYS DIFFERENT THAT I AM ENTITLED AND I am the victim being treated like XXXX.When there business practice in opening accounts is questionable at best. 
I may have to hire a lawyer im afraid as i want answers as per how this was done. 
My wallet was stolen bout 5 years ago by a former XXXX veteran but we could not prove it..NFCU may posess A ID with the man whom stole my wallet at work we could not prove he did it but we knew he did it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit 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:
My credit card is through capital one, and this involves a transaction with XXXX. 

On XX/XX/XXXX, I placed an order from {$63.00} for food delivery from XXXX using my card. The food was not delivered and I have documentation of that. XXXX would not refund the money, however. 

On XX/XX/XXXX, {$63.00}, my card was charged I disputed the charge and capital one credited that amount back to me on XX/XX/2023. The dispute was resolved in my favor because, I was told, XXXX did not respond to capital one. 

On XX/XX/2023, my card was charged {$63.00} by XXXX again. I did not order anything for that amount and did not receive any food or services for that amount. I did not approve that transaction. 

I disputed that transaction, but Capital One just contacted me saying they received from XXXX " documentation '' of the transaction. I am submitting to Capital One my order history showing I did not order anything on that date. However, I am concerned about the fact that XXXX submitted documentation to Capital One that is fraudulent. The Capital One support agent said that XXXX sent them a receipt of the transaction, which did not occur.

Company response to consumer: In progress
Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
XX/XX/XXXX scheduled a payment for XXXX dollars to be taken from my account and applied to the balance XX/XX/XXXX. They didnt try and take the money from my account until the XXXX so the bill got marked as late and hit my credit score. 

XX/XX/XXXX i scheduled the payment for the XXXX. This time they credited my account the XXXX and let me spend it ( paying a medical bill ) without removing the funds from my bank account. Then on the XXXX tried to take the money from my account, which was not there because i had assumed that since the cards balance was restored the money had been removed. SO they tacked that XXXX on top of what the balance already was and pinged my credit score yet again. 

On XXXX first, i scheduled a payment for the minimum balance amount of XXXX, it was promptly taken the next morning from my bank account for the date i had scheduled the payment which was the second. 

I called them Wednesday the XXXX to try and figure anything out with them by talking to a supervisor about the situation, all he could do was blame me for it and say it was my fault, which technically it is. BUT when you schedule a payment you expect that payment to go through when it is scheduled, not almost a week later. Very shady practices to get their late fees, and over limit fees and everything else added on to screw me over and ruin my credit score at a crucial moment in my life when I am looking to buy a house for my family here in vermont. I have never had this issue with any other company i have ever paid bills with. The funds are at least put on hold immediately when the bill is scheduled for payment not just left there floating. 

Shady business practices if you ask me and now i have to work another 6 months to get the 80 or so points they knocked off of my credit score and i am EXTREMELY unhappy about it, and their customer service. The guy was basically yelling at me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: DISCOVER BANK
State: OH
Product: Credit 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 used my Discover card on the XXXX XXXX to make a purchase. The seller did not supply the goods that I agreed to purchase. I knew within 1 day that the Seller was did not supply the goods. I reported it immediately to both XXXX XXXX ( who told me to contact the credit card company ) and Discover. 

Discover stated that they would not issue a refund because I used an app to make the purchase.

Company response to consumer: In progress
Consumer complaint received 2023-11-11
Company: Debt Recovery Solutions, LLC
State: WI
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:
Notice to agent is notice to principal, notice to principal is notice to agent. 

After careful review of my consumer reports, I noticed an account on my report from DEBT RECOVERY SOLUTIONS account number : XXXX. 

I, XXXX XXXX, have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between DEBT RECOVERY SOLUTIONS and myself would make me legally bonded to any debt that they may claim. I am very certain that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 

With that being said, had DEBT RECOVERY SOLUTIONS sent a Debt Validation Notice as they are lawfully required to per FDCPA ; I would have been able to rightfully dispute this account before they unlawfully caused extreme harm to my consumer reports. I am requesting that DEBT RECOVERY SOLUTIONS provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FDCPA Law allowing me the proper opportunity to dispute this invalidated debt. 

Enclosed you will find an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If you can not provide proof of delivery to this address XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX, prior to todays date XXXX, XXXX, 2023 I am entitled to compensation. Please be mindful that a certified documentation must be provided to prove that your company followed FDCPA laws. 

Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX XXXX  {$800.00} Acount # XXXX 2-MIDLAND CREDIT MANAGEM {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts # XXXX XXXX XXXX XXXX, MIDLAND CREDIT MANAGEM 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 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 the information is inaccurate

Company response to consumer: Closed with explanation