BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, Capital One has dropped our dispute for leather goods returned to seller in XXXX, XXXX. We're charged for {$1100.00} for leather goods we returned to seller, because jackets were poorly made and falling apart. The seller wanted to fix/replace products but at this point in time we lost faith in the quality of the product. The seller started yelling and threatening us with claiming we damaged goods. 

XX/XX/XXXX - Purchased jackets/belts XX/XX/XXXX - After my Wife put on a jacket and noticed it was falling apart and seams were improperly done, we returned ALL items. Seller threw a fit, claiming we may have damaged the jackets. At this point we refused a replacement. I called Capital One and was told to leave all goods on counter. A dispute would be opened and there would be no problem ... I would not be out of {$1100.00}. 
XX/XX/XXXX - Followed up with Capital One with supporting documents. They told me not to worry about anything. 
XX/XX/XXXX - Capital One rebilled us for {$1100.00}. I explained I was told there would be no issue ... and to leave all goods with seller. Capital One was to research the conversations that took place on XXXX, listen to the recordings of my many calls to them. I called them several times during this incident from XXXX. 
XXXX - I was told NO calls could be found ... this is crazy. I find it untruthful. The principle of faulty merchandise on top of the fact a Capital One dispute associate told me there would not be an issue with leaving goods with seller and now I owe {$1100.00}? Unacceptable. On XXXX I was told I owe the full amount. 

We should not owe a thing, obviously. I'm canceling the Capital One credit card and will not do any biz with them. 

Please see what can be done in this situation. This shouldn't happen to us, or anybody else for that matter. The leather bully in XXXX should not be able to do this to people. Capital One should back their customers. Capital One has not stuck up for us. As for the XXXX XXXX XXXX XXXX, they're crooks hiding behind the fact they're in XXXX. I should have recorded the whole event and phone call placed to Capital One. 

Thanks for your help. Please see supporting PDF document

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
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:
I Filed an earlier Complaint against Experian Credit Bureau for false reporting and theyre still reporting the same false information since XX/XX/XXXX. They dropped by Credit Score over 100 points in 2 years and never corrected it. My credit score is XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and Experian XXXX XX/XX/XXXX. This is unexceptionable, this is basically the same score since XXXX and theyre constantly sending me marketing information to raise my score. I owe nothing have 2 lines of credit from XXXX Credit Bureau in NC thats been open for almost 2 years ; yet they report 0 utilization and the bank told me on XX/XX/XXXX theyre reporting every month the card are being used. They got me owing XXXX  dollars but XXXX has a balance. XXXX sent me a 1099 C we settled the debt on XX/XX/XXXX and I have the tax document. Experian reporting that I was late 3 times on my mortgage with XXXX Bank in XXXX. I was never late I have documented. Theyre reporting I was 48 month late on a closed XXXX XXXX account that was closed. I settled on closed accounts. My next step and last option is because Im XXXX  is to ask the FTC to intervene.

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 2020-03-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Chase card services : amount of {$10000.00}. Account Number XXXX I called Chase bank after receiving my credit report by mail. I saw that their was an account with Chase card which I never opened and their was an amount to pay. I did not recognize these charges or ever having this account opened so I immediately called chase and reported this, then I got hold of all 3 credit companys and placed a fraud alert. I filled a police report in XXXXXXXX XXXX XXXX XXXX wa and also did an online Identity theft report with federal trade commission. I got emailed social security services reg my identity being used. I called Chase bank services again to get an email add were I can mail all my remaining documents, when I called I got a very rude person on the phone and who was talking very disrespectfully and did not want to seem to help at all. I finally was able to get the email and sent in required info that would be useful for them. 

XXXX XXXX XXXX XXXX XXXX loan services : amount of {$8000.00}. Account number XXXX I called XXXX after receiving my credit report and saw that their was also this account opened under my name. I was not familiar with account and never had done business with XXXX. I recvd a dispute form from them, which I filled out and sent back over along with my IDENTITY THEFT police report, my federal trade commison Identity Theft report and my dispute forms from all 3 credit company 's as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These XXXX XXXX XXXX XXXX XXXX accounts are reporting inaccuracies. They have been disputed multiple times where I have requested documentation to verify accuracy. The creditor has not provided the requested documentation and TransUnion only responds with account has been verified which was not the request for the disputes. These 2 accounts have already been removed from XXXX and XXXX for reporting inaccurate information under code 15 US code 1679c but TransUnion has not followed suit. Both accounts are being reported as opened on the same day of XX/XX/2018 and closed only 4 months later on XX/XX/2018. I have not lived in Illinois or been in school in over 8 years. Please have these inaccurate accounts that are being reported deleted from my report immediately

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Always pay on time. Falsey reporting late payments on my credit report. See the attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA loan was sold to Freedom Mortgage in XX/XX/XXXX. In XX/XX/XXXX my taxes were due and Freedom Mortgage did not pay them. It is their policy that they analyze the escrow account within 60 days of receiving the loan and they did not. I called them in XX/XX/XXXX to let them know I paid the tax bill and never received an escrow analysis. They submitted the request and said it would take up to 30 days to analyze. I called after 30 days and nothing had been done. A supervisor put in a request to escalate the situation and contact me within 24 hours. No one contacted me. I called back a week later and again they are submitting the request and it could take another week. I've been told this over and over. They are holding way too much in my account, more than the 2 month cushion and are not following through on their promise to analyze my escrow account. It takes between 20-30 minutes every time I call them and to have no resolution is frustrating.

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 2023-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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

1. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation 3. ) They have now chosen to harass and cause me anxiety not only while WORKING on a dangerous road but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. 
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22, I went to the Truist branch at XXXX XXXX XXXX in XXXX, FL. My new Truist dbc would not accept in the atm for me to make a cash deposit. The only option I had was to make a cash deposit via their night drop services. I placed {$84.00} cash in an envelope, which consisted of {$83.00} in paper bills and {$1.00} in coins. I wrote the amount on the front of the envelope with my account information and made the drop. On XX/XX/22, I noticed my account was only credited {$79.00} and there was {$5.00} missing. I attempted to engaged Truist via multiple channels ; via XXXX XXXX, via online chat through my online profile, called the customer service number of XXXX and even called their Fraud Dept at XXXX multiple times. 

I am told via XXXX XXXX someone will back me back and that did not happen. 
I am told via chat at XXXX someone will be right with me ; however, it is now XXXX and no response. 
I am told by Customer Service, after a 1 hour hold time in queue, to go to the branch, which I can not as I tested positive for COVID on Monday morning and self-quaranting so referred to Fraud to file a claim. 
I called Fraud Dept. multiple times and after 45 - 60 minutes hold, the call drops to another queue only to be told to call back. 

I would just like the {$5.00} credited to my account for the correct amount I made and with an effective date of XX/XX/22 to eliminate any return or insufficient charges I might accrue on the 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 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Thank you for your response concerning this issue and I apologize for my late response. 

In the response letter I received by mail on XX/XX/2022 it shows the date the application for account ending in XXXX was improved and opened as well as the date the account was closed. With all the information I have, the date this account was opened does not match with the information I received and can use it as evidence, the letter also does not say was the time this account was opened. 

The letter it also shows the date ( in XXXX ) the account was closed, however I am still receiving by mail monthly payments on a Credit Card that I never opened or made any withdrawl from but somehow being responsible for. 

I wish to have my name cleared and not receive any more mailed statements from this account and hope to resolve this issue without taking any legal action.

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 2021-04-15
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit acceptance continues to add a false account balance to the credit bureaus

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 2022-11-17
Company: EQUIFAX, 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: Old information reappears or never goes away

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. 

Account # 's 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have explained that this is the result of identity theft and they keep harassing me and threading to arrest me although Ive sent multiple cease and desist. I have asked several times for verification that this was me because i have never been to this place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the  attached credit report. ) I purchased this equipment up front so my contract with XXXX should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail from Wells Fargo that stated that they were closing my credit card ending in XXXX. I received this letter on XX/XX/2022. The letter was dated XX/XX/2022. My credit card was at a {$0.00} dollar balance. I had paid it off recently after holding a balance on the card for a bit. This company has made tons of money off of me in interest and decided to close my card due to non-specific reasons on my credit report. I have cards through XXXXXXXX XXXX XXXX XXXX and XXXX XXXX who did nothing of this sort to me. I am currently looking to apply for a mortgage and this will definitely hurt me in the short term and potentially long term as this was my oldest line of 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 2018-08-28
Company: Experian Information Solutions Inc.
State: WA
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:
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and 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
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX loan through Capital One was totaled and written off in XXXX. I had GAP insurance on the vehicle through XXXX XXXX to pay off the remainder of the loan. 

Capital One still has an open balance for me for {$380.00} when the total remaining balance should have been paid in full by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: OR
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:
I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.

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