BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I paid/spent {$1100.00} worth of Chase Ultimate Reward points to book two ( 2 ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. XXXX was predicated on Terms and Conditions that allowed FREE CANCELLATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account paid in full XX/XX/2022 sent three dispute to get account updated as paid report back accurate every time and credit report shows last payment in XX/XX/2022 and hasnt updated after that month

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 2017-01-25
Company: ALLY FINANCIAL INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT

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 2021-04-01
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to prior complaint : XXXX, Acct # XXXX Mortgagor ( s ) : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX , XXXX, TN XXXX I was informed by a letter in response from my last complaint by XXXX XXXX of XXXX XXXX Team with Selene Finance that a check for the amount of {$1700.00} was wire transferred to XXXX back on XX/XX/2021 with a check # of XXXX. 

I am filing this complaint today because after speaking to XXXX on 3 occasions since then, within a 9 day period of the response and supposed wire transfer. Selene Finance continues to hold my funds illegally since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
State: HI
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 submitted an application for a Citibank XXXX XXXX Master Card In XX/XX/2019. I received immediate notification that I qualified and was sent a card in 7 days. The promotion stated that if you spent {$2500.00} in 3 months you would receive XXXX miles. I spent around {$4000.00} but did not receive the promotion. When I called, I was told since I had a personal card within 48 months ( not the previous 24 months which had been the rules prior ) I would not qualify. I received no notification by mail or email that I didn't quality. I am now told i ( n the very fine print at the bottom ) it states the 48 months disclaimer. But I still can't find it anywhere. Perhaps in the original application which I don't have access to. I feel if they change the requirements they should notify the consumer that they do not quality for the promotion. But they failed to do this and feel they encouraged me to sign up for a card, spend the money and they tell you they have changed the requirements after you have spent the money. Totally unfair to the consumer. I have called Citibank and was told about the 48 month period which they acknowledge is a change in the program but refused to give me the promotional points.

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 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.

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 2019-10-30
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/2019 i was called by some of my friends regarding a phone call they received from a debt collector named XXXX XXXX from Thunderbird collections. They told me this person reached out to them asking them to have me call him regarding a personnel business matter and he asked them if i am working and if so whats the name of my company. now my wife and i have spoken to him on a few occasions and we asked him for the proper documentation regarding his licence to be a debt collector in Arizona which he dose not have as its based out of California as well as other documents regarding the debt which we did receive. since our calls with him we have sent payments to the company on a payment plan however i do not know why XXXX XXXX is still pushing the way he is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TOYOTA MOTOR CREDIT - PURPOSELY MAKE IT DIFFICULT TO PAY DOWN PRINCIPAL OF LOAN BY : NOT DESIGNING IN A PRINCIPAL PAYMENT OPTION INTO THEIR LOAN PAYMENT INTERFACE WHEN CONFRONTED BY EXTRA PAYMENTS BEING SENT IN, THEY SAY THEY ARE APPLIED TOTHE NORMAL PAYMENTS DETERMINED BY THE INTEREST RATE AND THE LOAN - SO YOU CAN NOT DEFINE ANY AMOUNT OVER THE REGULAR PAYMENT TOWARDS THE PRINCIPAL ON PURPOSE. 

WHEN YOU KEEP QUESTIONING ( AND THEY DO MAKE YOU KEEP QUESTIONING ) YOU FINALLY GET AN ANSWER OF WHERE TO SEND A DIRECT PRINCIPAL PAYMENT - IT IS OLD SCHOOL, NOT ONLINE AND HAS TO BE MAILED TO A COMPLETELY DIFFERENT LOCATION. MAKING IT SHADY BUSINESS PROACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Bread Financial Holdings, Inc.
State: MA
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:
XXXX XXXX via XXXX XXXX. I fully paid off my balance. I had XXXX due. I have paper bills with XXXX dollars due on them. I just noticed they started sending me bills for late fees on my XXXX dollar balance. I want the charges reversed and the inaccurate information removed from my credit report. I did call and explain to them what happened and let them know I would report them to the FTC and the customer service rep told me to go right ahead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8400.00} XX/XX/XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: IA
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 under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX, Account name :, 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 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 non-monetary relief
Consumer complaint received 2019-10-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did. not authorize this account, Nor did I benefit from it. Please block it and remove it from my credit report. Failure to do so is a violation FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Progrexion Holdings, Inc.
State: NC
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:
Two Credit.com credit pulls on my credit report on XX/XX/2021. I have not talked to them or interacted with them in any manner. They did NOT have consent to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: ENCORE CAPITAL GROUP INC.
State: MS
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 was in the first stage of the mortgage process and they pulled my credit report. I never received calls or letters about this report and they put it on my credit report. I called to verify this debt and they said I owe money from which they bought a debt from another company. After finally having my lawyer call, they sent me some in the mail that does not validate my debt nor has my signature on anything. Only the credit card statement they received from the original credit they bought the debt from. They said I need to pay or they will sue. They continuously report negative information on my credit report everyday. Im like how do I fix this if they cant verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I had lost my job and didnt have the money to pay the credit card bills and its bring my credit down really bad Im really needing a new vehicle but cant because of that.. i have a full time job now as a machine mechanic i make great money now so i can afford to pay for the payments i been paying them so Im tryna get these off so i can build my credit back up. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX XXXX XXXX posted a past due on my credit report but my account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am unemployed and unable to make payments. 
Lender denied forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 18 USC8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2.company has also NO permission to report ANYTHING using my personal info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Lendmark Financial Services
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.

Company response to consumer: Closed with explanation