BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice letter from the XXXX XXXX XXXX regarding garnishment of my wages by Capital One. I have no idea what this debt is in regards to. The notice says XXXX XXXX XXXX XXXX, but there is no account information listed on the notice. The notice then says " to view the document, click the link below, '' which is impossible to do on a hard copy letter. When you type into a web browser the addresses given, there are two separate documents : a court order dated XXXX XXXX, XXXX and another document that appears to be dated XXXX XXXX, XXXX. Both of these documents have a judgment date listed as of XXXX XXXX, XXXX. Neither of these supplemental documents lists an account number either. 

I have checked my credit report for information regarding this debt and the only thing that shows for XXXX XXXX XXXX is a credit card I opened approximately a year and four months ago with a " Current '' payment status as of XXXX XXXX, XXXX. There is no other mention of a Capital One account. I have not received any other documentation on this garnishment order other than this unofficial-looking, so-called notice. 

Why would Capital One extend a new line of credit to me if they were still pursuing previously owed money from me? In addition, if a judgment was issued for this on XXXX XXXX, XXXX that would mean the debt is at least 8 years and 3 months old. The statute of limitations for the state of Indiana regarding open-ended accounts, which includes credit cards, is 6 years. Any debt collection of a debt that is beyond the statute of limitations is in violation of the Fair Debt Collection Practices Act. Also, why was this filed in the XXXX XXXX court? I do not even live in XXXX XXXX. 

I am being threatened to appear in court and my current employer to appear before the court or answer interrogatories about me in regard to garnishment. This is an aggressive, coercive tactic that is attempting to scare me into making payments on a debt that either does not belong to me at all or is so old it has expired so that it may be reactivated and therefore have collection processes resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX  XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violeted my rights. 

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

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years. 

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I WAS ABLE TO CORRECT MY PROBLEM, BUT I BELIEVE THEIR PRACTICES ARE UNCONVENTIONAL AND NEED TO BE OVERSEEN. 
THE XXXX CREDIT CARD PROGRAM-COMENITY BANK. 
I PURCHASED ITEMS XXXX AND XX/XX/XXXX. I WAS READY TO PAY WITH MY CREDIT CARD, BUT I WAS INFORMED THAT THEY HAD A PROMOTION FOR 0 % INTEREST. I SET UP RECURRING PAYMENTS ON MY CHECKING ACCOUNT, SO COMENITY BANK WAS RECEIVING MONTHLY PAYMENTS FROM ME. I NOTICED THAT I HAVEN'T BEEN RECEIVING STATEMENTS FROM THE CREDIT CARD COMPANY AND WANTED TO SEE HOW MUCH I STILL OWED. I FOUND OUT THAT THE XXXX BANK STATEMENT WAS RETURNED AND THEREFORE THEY STOPPED SENDING ME STATEMENTS. I CALLED UP ON XX/XX/XXXX. I WAS TOLD THAT THEY WILL SEND ME THE NEXT STATEMENT ON XX/XX/XXXX. 
I BEGAN TO ASK QUESTIONS AND DISCOVERED THEY ADDED ALL THESE PROMOTIONAL CHARGES, AND INTEREST FEES OF 30 % SINCE THE PROMOTION ENDED AND I DIDN'T PAY OFF THE TOTAL AMOUNT. THEY TOLD ME THAT THEY REMOVED THEM. THEY WOULD NOT SEND ME THOSE PAST STATEMENTS SO I CAN RECONCILE THE AMOUNTS. I WAS TOLD TO LOOK ONLINE. I WAS TOLD THAT I HAD TO PAY OFF {$1200.00} DURING THAT PHONE CONVERSATION OR ELSE THEY WOULD NOT REVERSE THE CHARGES. I DID THAT UNWILLINGLY BECAUSE I HAD NO WAY OF KNOWING IF THEY ADDED EXTRA CHARGES OR FEES. I WAS PAYING BLINDLY. AFTER THAT CONVERSATION I OPENED UP THE ACCOUNT ONLINE FOR THE FIRST TIME AND I SAW THAT THE STATEMENTS WENT UP TO XXXX XXXX. TODAY I CALLED AGAIN ASKING FOR THOSE PAST STATEMENTS AND " THEIR SYSTEM COULD NOT ACCOMADATE IT '' THE REPRESENTATIVE ON THE PHONE WAS ALSO NOT ABLE TO SEE THE XXXX TO XX/XX/XXXX STATEMENTS. 
I CAN'T UNDERSTAND WHY A BANK WOULD NOT SEND MORE STATEMENTS OR POST THEM ONLINE AFTER ONE STATEMENT WAS RETURNED TO THE BANK! THEY COULD HAVE CONTACTED ME THROUGH EMAIL OR PHONE OR MAIL. I NEVER MOVED. SOMETIMES MAIL GETS LOST. I WANTED TO HAVE THIS ON FILE SO OTHER CUSTOMERS DONT HAVE TO GO THROUGH WHAT I DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In my recent complaint case # XXXX, the Bureau decided to close my complaint without a resolution. Filing another complaint hopefully to offer more detail in my appeal. ****next line**** In light of my original HELOC inquiry, the banker should further clarify the following items 1 ) it did not FINALISE the removal of the lien as agreement upon the closure of the HELOC ( XX/XX/2019 ), instead, it took several weeks to complete the recording in county 's office after the closure 2 ) the banker did not inform me upon the recording, 3 ) the banker 's website suggests that as of today XX/XX/2019, the HELOC account remains open and valid, 4 ) the banker suggests a 45 days timeframe to answer my inquiry which is unacceptable. 5 ) The banker referred to a " reconveyor fee '' and a " demanding fee '' amounted to the " early termination fee '' that is irrelevant and nowhere found in the HELOC account agreement. 6 ) There is no subject amounts/reasons for fees associated with the said " early termination fee '' in the HELOC account agreement, this resulted in banker 's favour which would allow that the banker to arbitrarily impose fees with no caps upon the closure of the HELOC. 7 ) The bank provided irrelevant escrow documents to answer my complaint. Instead, it should explain the terms/condition in the HELOC account agreement.

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 2022-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I am having an issue with both Capital One Auto Finance and XXXX. I had an auto loan with Capital One back in XXXX. I filed for XXXX XXXX Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my XXXX credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that Capital One left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and Capital One and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2019-10-12
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was tricked into going to college instead of learning a trade or something else and had no idea what i was getting into yet every adult in XXXX pushed the college regime and look at me now. struggling with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
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: Investigation took more than 30 days

Complaint:
sent police report ftc violation and hacking XXXX XXXX, XXXX or XXXX XXXX  fail to look into the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I noticed this past Friday that a withdrawal of most of the funds in my savings account was performed without my consent. 
The funds from my savings account went directly into a Citibank checking account. After speaking to my own bank to rectify the situation, I contacted Citibank directly who mentioned that indeed an account was open with my information and has since been closed. They then offered a free XXXX credit check service.

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 2020-09-24
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:
These accounts does no belong to me and Ive been a victim of identity theft

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 2017-10-02
Company: BB&T CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX desire to have a full accounting of a vehicle repossession from XXXX, including my balance before the repossession, and the price in which the vehicle was sold again at. Upon that time, I desire to work out a reasonable settlement with XXXX XXXX XXXX. Please respond by email through the Consumer Financial Protection Bureau at XXXXXXXXXXXX.

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 2017-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit 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 explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
RE XXXX ACCOUNT NO : XXXX XXXX  I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay for and on XXXX XXXX I ported the phone over to but was told there was a balance of {$50.00} which I paid IN THE STORE and closed account.. I never received a bill and was never able to access bills on line. 

A INCORRECT INFORMATION -- COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL 3 TIMES. 
EQUIFAX, XXXX AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a XXXX  balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
I reached out to Experian, XXXX, and XXXX yesterday XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under XXXX5 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-04-26
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 information incorrect

Complaint:
My score was XXXX on XXXX XXXX XXXX. I paid off several accounts and my score went down XXXX, points. From XXXX, to XXXX, on XXXX XXXX, XXXX. My delinquent went from XXXX, to XXXX. My score should have risen. 
I called several times and was on hold, when someone answered they always hang up..

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 2017-10-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked into and Chase bank refunded my amount then they got back to me saying I was not liable for any fraud. About a month later I see Chase Bank took Money from my account contacted them and they stated to me that i was responsible to pay amounts for fraud due to a chip being used i was a victim of identity theft. Chase Bank has not reached out to me then my account became negative due to them taking money out my account. I had to change my account number 2 x and still i called and the customer service department clearly told me we are not refunding money back to you I spoke to managers who told me they made a mistake in refunding money back to me.

Company response to consumer: Closed with explanation