BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York State prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX court stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by XXXX XXXX  XXXX, law firm, for same debt. I have disputed, and Capital One simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 Capital One accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: DISCOVER BANK
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX stole my credit card by screening my background check, employments, fraud & moving my credit line to discover bank when I never had this XXXX as wallet protection ... ..!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Credit card where I make XXXX  dollar minimum payments. I have been going through financial hardship and have been late on a few payments. I am between XXXX  XXXX  and unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ten years ago I was given a line if credit from XXXX. During phone application process I was told that I can pay extra to have a protection in case I lose employment. So I signed up and was paying for that. After I lost my job I submitted for that protection. They never responded until years later they started garnishing my wages without any notification. They took money for over a year. After that employment ended I did not hear from them. When u obtained employment last year I called them right away. They refuses to speak to me or work with me. I attempted several times. Then they started garnishing my wages again and claiming same amount after they already garnishes couple of thousand few years back. They did not honor protection I was paying for nor did they want to work with me. thank you for any advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I know this is not the fault of the person handling this case but someone needs to see this and take action ... 
As a result on an investigation I requested, on both XX/XX/17 and XX/XX/17 ( see enclosed reports ) Equifax was showing a bankruptcy as deleted and not reporting respectively. Only to add it back later. According to the reports sent to me " If an items " Deleted '' Equifax has removed the item and was supposed to take steps so that it does not reappear. '' Equifax has failed in this regard and is in violation of the FCRA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX XXXX was under a forbearance under my mortgage company Carrington Mortgage from XXXX to XXXX. It was then auto renewed automaticity without me knowing. Although I continued to make payments the forbearance was still reported on credit report. I am trying to now close on a home and because of the second forbearance being reported I can not close.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the  items and they still have not removed them. I filed an identity theft report and a police 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 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
a credit card was opened in my name without authorization. the first inquiry on my credit report was XX/XX/ and another happened on XXXX. a card was successfully opened and sent to my house, but I had never applied for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I hereby exercise my right to rescind the agreement under the provisions of the CFR 1026.23 AND Request for refund under Section 15 U.S Code 1605 Determination of finance Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BMW Financial Services NA, LLC
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:
I had four accounts with bmw financial. All paid on time. There was a lease end charge on one account and they applied it to another. I even paid again to try to resolve, yet they are reporting my account as being delinquent, resulting in a XXXX point score drop. 

Dates : Acct paid of in full - XX/XX/XXXX Lease end balance paid - XX/XX/XXXX Additional paid advice what I owed XX/XX/XXXX I also told them since the beginning that I am XXXX and had really bad XXXX  when we were first going through this, and maybe they applied it to the wrong account because of my condition. Yet they won't remove the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the Delta Reserve personal credit card from American Express, which rewards {$30000.00} in spend each year with XXXX Delta XXXX, and XXXX Delta skymiles.  As the year to date summary was saying that I spent over {$30000.00}, I requested American Express to verify this via online chat. On XX/XX/XXXX, I was assured that I had spent {$31000.00}, which was all eligible spending and would be " counted for the bonus XXXX and bonus miles ''. I had not received them on XXXX XXXX, XXXX, so inquired as to when they would be arriving. I was on that date told that I had spent {$34000.00}, and that I had qualified for the bonus. Amex keeps referencing returns, but I had no returns after XX/XX/XXXX, which should definitely have been accounted for by XXXX XXXX. 

As of XXXX, Amex is suddenly saying I only spent {$26000.00}, and after several disputes is refusing to grant me the bonus. Amex misled me into spending quite a bit of money on their card, while refusing to give me the bonus they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03
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: Information belongs to someone else

Complaint:
I submitted Identity Theft affidavits via the FTC to Equifax, the documents were signed for on XX/XX/2018. In detail it referenced all accounts that were fraudulent. Both XXXX  and XXXX followed proper protocol per Section 605 ( B ) of the FCRA ... but Equifax claims that they don't have to follow those same consumer protection laws that states within 4 days of receiving the proper documentation that all of the accounts in question should be blocked from he consumer credit profile ... .I spoke with 2 separate agents that stated and I QUOTE 'EQUIFAX DOESN'T FOLLOW THE SAME GUIDLEINES AS THE OTHER 2 CREDIT REPORTING AGENCIES ... .now last time I heard the laws should apply to all the same way. Equifax is the worst, and they lie and cheat the consumers daily because they get paid BIG BUCKS by these companies to damage credit profiles for financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: EQUIFAX, 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:
I reported to Equifax ... and XXXX of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I contacted Bank of America via text chat within mobile app to ask why a balance transfer due XX/XX/XXXX was not being reduced. I was told that any payment made in excess of the minimum payment due is applied to the balance with the higher interest rate. There are XXXX balance transfer offers that I took advantage of. The first, due XX/XX/XXXX, was a 0 % balance transfer offer initiated XX/XX/XXXX for {$3000.00}. The second offer was 1.99 % at end of XXXX XXXX for {$4900.00}, due XX/XX/XXXX. I asked how I could request that the next payment received, which will be XX/XX/XXXX due my bill pay schedule, be applied in FULL to the amount due XX/XX/XXXX balance. The Rep said that to be fair and consistent with all customers they could not, and would not, apply my payment to the balance that is due XX/XX/XXXX. Further in order to pay off the XX/XX/XXXX balance of {$1900.00} I would need to pay the {$3000.00} balance due XX/XX/XXXX. For a total due of {$4900.00}, in less than 2 months. The credit card has always been paid every 2 weeks so has never been late, and all payments have been in excess of the minimum balance so that I meet my obligation to pay off the balance transfer the B of A offered. Yet B of A refuses to allocate my payments as requested so that I will now be charged approx. 30 % interest on a balance transfer of {$3000.00} made XX/XX/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 non-monetary relief
Consumer complaint received 2018-07-16
Company: Keynote Consulting, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2013 I heard an advertisement on the radio about a Social group called XXXX XXXX XXXX to meet new people in a city you are new to, in order to connect with locals. I didn't know anyone in Texas and I thought it would be a great way to make friends. In the ad they said they you can cancel at anytime. I did not realize that it was an installment plan that I would have to pay whether I used their services or not. I never attended any of their events because I realized it wasn't for me and I had already canceled before they could even take out the 1st payment. 
Now my credit report has a collection from Keynote Consulting Inc with no contact information. 
I dispute this wrongful attempt to damage my 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 2021-11-30
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Wire transfer funds from my XXXX stock purchase brokerage XXXX headquartered in XXXX ) went missing - amount XXXX XXXX. The funds were wired through Citibank to my XXXX XXXX XXXXXXXX account. After launching an investigation, XXXX XXXX XXXXXXXX concluded that the money was returned back to Citibank. See attached investigation from XXXX XXXXXXXX XXXX. 

Citibank has still not credited the return wire. Both XXXX and Citibank are not even accepting the fact the money was returned. I have called the sender XXXX multiple time to launch an investigation with Citibank but so far no results. The money was retuned back on XX/XX/XXXX and as of this writing, it is XX/XX/XXXX and absolutely no progress in the matter, Citibank refuses to talk to me, XXXX claims Citibank does not have the returned funds yet and XXXX XXXX XXXXXXXX claims it was sent back to Citibank so there is no end in sight. Wire transfer money is NOT meant to be lost - Citibank needs to get serious about locating it as the initiator of the transaction.

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 2016-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I communicated with Capital one XXXX XXXX. Then again XX/XX/XXXX. I was told I would be refunded 3 late fees. After this, this city was shut down due to Corona Virus. I again communicated this time I was told no payments are required during the shutdown. 
I made payments as I promised. Capital one now says no record exists and they will not correct the wrong information on my credit report even after I paid as I promised. 

My credit report shows late payments and a reduced credit limit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NJ
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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original  Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} 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