BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One changed the terms of {$60.00} ANNUAL fee to a $ XXXX  MONTHLY fee. 
The obvious purpose is to get you to be " late '' for the fee so that a Service Late Fee can be charged. 
If this is missed, due to electronic payments, then a {$35.00} late fee gets missed and a 30-Day Late charge is sent to the Credit Bureau. 
Capital One has refused to reverse the report to credit Bureau. 
Credit bureau has refused to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business 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 2021-03-29
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Pioneer Credit is calling for me at my work number.

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 2019-03-13
Company: Experian Information Solutions Inc.
State: IN
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:
A collection from XXXX XXXX XXXX was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. XXXX XXXX XXXX stated that they would delete the collection from all 3 credit bureau reports. However, Im showing that this account has not been deleted.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: NH
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 are all errors : Between XX/XX/XXXX and XX/XX/XXXX an inquiry made by XXXX XXXX XXXX  XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX These two accounts are not mine. Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX {$1500.00} XXXX XXXX XXXX   Opened XX/XX/XXXX {$1700.00} XXXX XXXX XXXX CC Opened XX/XX/XXXX {$1700.00}

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 2018-03-18
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.

The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In a letter dated XX/XX/2018, I was informed by Capital One that they had changed my credit limit from {$20000.00} to {$10000.00}. The specific reasons for this change were : Current account not used enough for assigned credit limit and Balance on non-Capital One revolving trade are too low. I was not given a contact to reach to dispute what they had done, but I was informed that if I had any questions about the effect on my credit score they encouraged me to consult XXXX  at  capitalone.com I was totally unaware that I was required to use my credit card at any particular balance amount to keep my current limit or that I was required to carry debit balances of any particular amount with non-Capital one revolving trade to maintain my {$20000.00} credit limit. 

My XXXXedit score as of XX/XX/XXXX, was XXXX. I am fully aware that a 50 % drop in my credit limit will negatively impact my score. What other credit card company or lender will want my business with this kind of drop reported on my credit record? Am I now at the mercy of Capital One and this non-negotiable decision? 

Consumers are repeatedly told to stay well below the limit on their credit cards and to pay off balances monthly. I had no idea I would be penalized for doing this. Capital One, of course, did not mention a reduction in the current interest rate they are charging me-just a drop in the limit. Is there some finite amount that they draw from? Are they giving the {$10000.00} credit limit they took away from me to someone else? 

I have no way of predicting the future, but I did not ask them to drop my credit limit by 50 %. What negative impact does my having this limit have on their business? It gave me piece of mind to know that it was there should I need it. After 20+ years of having a Capital One card to be treated in this manner seems totally arbitrary. I have no idea if such a practice is legal ; that is why I am coming to you. I do know the public needs to be told in a straight-forward manner that staying below their limit and paying off balances in a timely manner will negatively impact their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have requested Experian to investigate the inaccuracy of account XXXX XXXX XXXX. The XXXX XXXX account is reporting inaccurate account information the last payment date and the date the account closed date are not shown. The date the account opened states XX/XX/XXXX. The consumer statement is not accurate I did not make a statement. The last date of activity is XX/XX/XXXX. It has been over seven years of credit reporting. Experian only reports the date opened. XXXX XXXX is the original creditor and did not sell or transfer the account. I can continue with the validation process however, this issue can be resolve by deleting this inaccurate trade line due to the only date of activity shown is XX/XX/XXXX and that date has past the legal reporting time.

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 2019-08-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase was verifying my account before making a purchase last week. After verifying me they went ahead and closed my business account. They said the reason was because rapid increase in revolving balances and too many requests for credit increases which I have not requested for any kind of credit or increase lines of credit. I have been using my card for only business transactions and paying it off just like anyone else would be using a credit card. They have discriminated against me by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Lazega & Johanson LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A FRADULUENT NON-STATUTORY LIEN WAS FILED WITHIN THE XXXX XXXX XXXX DATED 2017 FOR NON PAYMENT OF HOA DUES. THE DUES WERE PAID. WE BASICALLY, PAID THE DUES A SECOND TIME. THERE ARE NO HOA DUES OUTSTANDING FOR THE PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX GA XXXX WE SUBMITTED AN EMAIL REQUESTING A RELEASE IF LIEN AND HE WILL NOT RESPOND. THIS IS CAUSING MORE HARM AS IT RELATES TO OUR MORTGAGE FRAUD ISSUES. ALSO, HE COLLECTED THESE DUES WHILE MY WIFE WAS STILL IN BANKRUPTCY. SHE WAS DISCHARGED ON XXXX THE FIRST SET OF DUES WERE PAID TO XXXX XXXX  XXXX XXXX WHO STOLE THE MONEY AND DID NOT TRANSFER THE MONEY TO.

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 2018-03-18
Company: WELLS FARGO & COMPANY
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:
WELLS FARGO DEALER SERVICES  : The XXXX reported as past due is an error on Wells Fargo part. All excess liability was paid for by my GAP insurance coverage purchased from Wells Fargo, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX  for a total of XXXX and as a revolving account to XXXX, with a past due payment of XXXX. ( 2 ) Wells Fargo misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.

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 monetary relief
Consumer complaint received 2017-11-21
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Yes I was contacted by XXXX XXXX debt collection agency on behalf of Navient On the date of XXXX/XXXX/2017. I was told I was approved for a settlement offer, I informed the representative that due to the holiday I was short on funds available to me and that I could make a payment of 20 % of the settlement in two weeks. The representative was very confrontational for a " professional call  ''. 
At one point telling me that " you can get blood from an turnip if you squeeze in the right place '' and that because I had made this business transaction with Navient that gave her authority to " be in my business. Not only did I take offense to her call but I also felt intimidated with the tone. The caller was at my throat like I was n't the one who contacted them in the last six months, like I was n't the one who made a payment in hopes to settle my debt in the last six months not mention I explained I just started a new job less then two weeks earlier on another call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Equifax on my XXXX XXXX XXXX XXXX has not been updated since XX/XX/19 and all payments have been made on time and on my Paper Printed report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently received an email offering an AMEX GOLD credit card with a bonus of XXXX points. I signed up and met the spending requirement quickly, but now Im told theres no record of the offer being extended to me. Ive called multiple times with no result ; I have been a loyal AMEX customer for 19 years. I never received prior promotion points from this card to make me ineligible..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, my wife ( XXXX XXXX ) and I purchased a couch from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. For the XX/XX/XXXX payment, our bank XXXX sent payment to CapitalOne in the amount of {$51.00} on XX/XX/XXXX, nine calendar days before the payment was due. The payment due date was XX/XX/XXXX. The payment was processed by CapitalOne on XX/XX/XXXX, eleven calendar days after the payment was sent. This event triggered a series of late payment and interest fees. Some of which were reversed. This event ( which should never occurred ) also triggered an increase to the monthly payment amount ( $ XXXX/per month was the agreed amount thru out the repayment of the same as cash offer ). This caused more late fees and more interest charges. I have been contesting and disputing all of the late payment fees and interest fees since XX/XX/XXXX. I subsequently paid the balance of the credit card bill off significantly early in XX/XX/XXXX. We closed the account. 

CapitalOne believes we owe them $ 600+ in interest and late payments on a credit card which was paid on-time each month and paid off before the term of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, 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 am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Card is on my credit report that isnt mine the company Bank of America never verified with me like it states on my credit report because of fraud in the pass.

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 2019-10-01
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Credit Management on several occasions informing them that I do not owe any debt to XXXX XXXX for {$370.00}, as they are reporting on my credit report. They are refusing to provide written documentation to support this allege debt, and have refuse to remove it from my credit report. 

Credit Management is located at XXXX XXXX XXXX XXXX, TX XXXX They are attempting to collect a debt this is NOT MINES, and continuing contacting and requesting payment. They are ruining my excellent credit score and does not appeared concerned that I am being falsely accused. 

Please help me hold the debt collector accountable. 
XXXX XXXX is the original debtor Acct # XXXX Open XX/XX/2017 {$370.00} Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I paid off the loan back in XX/XX/XXXX. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in XX/XX/XXXX and then not take it off my credit. It is greatly affecting my credit score.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: SUNTRUST BANKS, INC.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Auto loan established with Suntrust bank. Made overpayment in XX/XX/XXXX of {$680.00} to be up-to-date on car payments. Advised per supervisor that remaing balance was approx. {$8000.00}. Car was repossed without knowledge XX/XX/XXXX. Vehicle was parked outfront of apartment building. Tow truck did not attempt to establish contact before taking vechile. Car was repossed by Suntrust Bank. XXXX XXXX ssi was purchased & auto loan established with Suntrust Bank back in XX/XX/XXXX. Made car payments up to XX/XX/XXXX to drop loan amount to approx {$8000.00}. Car was repossed as payment was 30days late yet contract states 60 days. Balance of {$8900.00} showing up in collections as increase on loan. However, never recevied 30day collection notice for late payment. No opportunity to make payment before vehicle was taken. This is fraud. Actions were taken by Suntrust Bank that are unjustified.

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 2019-08-08
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 information incorrect

Complaint:
Back in XX/XX/2019 I was experiencing issues with my mail not being delivered. As a result I never received my XX/XX/2019 statement from XXXX. They in turn reported me as being 30 days late to the credit bureaus. When I became aware of the issue I contacted XXXX several times to try and rectify the issue. I spoke to a manager XXXX XXXX, she advised me that I should obtain proof of this incident from my postmaster and fax it back to her. I was able to obtain the proof and have been attempting to rectify this issue with XXXX. I have faxed the letter 3 times as requested and they refuse to accept the letters as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, I tried to make an online payment 2 days ago to my account. My online account was locked out and the company was not open until today. This caused my payment to go over 30 days late. I would like this removed from my credit report as I tried to make the payment but was unable.

Company response to consumer: Closed with explanation