BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX a XXXX representative called me to alert me that my payment was late. I was surprised since I thought my account was on auto pay and since I was on paperless statements I had no indication that my payment was late. With learning of my oversight, I immediately paid my accounts full statement balance. I regularly pay my full statement balance. I keep close track of my FICO score and several weeks later my score took a huge plunge by over 50 points. Upon checking my credit reports, I learned that XXXX filed a 30 day late with the three credit bureaus. On XX/XX/XXXX I wrote XXXX customer service department and asked for a GOODWILL REMOVAL OF LATE PAYMENT since the reporting had a devastating effect on my credit score. Upon researching this topic I learned that a company does have the ability to remove a 30 day late reporting, it is called a GOODWILL REMOVAL OF LATE PAYMENT if they choose to do so. On XX/XX/XXXX XXXX customer service and operations center replied stating that their reporting was accurate and they would not be taking any other action. On XX/XX/XXXX I wrote to president of XXXX explaining my oversight and asked for a GOODWILL REMOVAL OF LATE PAYMENT as I had been a MVC ( Most Valued Customer ) since XXXX. On XX/XX/XXXX I received a reply from XXXX stating that their reporting was accurate meaning they will not remove the 30 day late reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this creditor on my report last year. Saw that it was for a XXXX bill. XXXX is not on my credit report nor was I notified by them that I had a past due balance. I called XXXX and was told that I didnt owe anything. Then I spoke to someone else from XXXX that said there was a last due but upon returning equipment, the balance changed to XXXX. 

I spoke with this company to get the reporting removed from my credit report since I dont owe the balance, no luck. I decided to just pay the balance to get this taken care of being that I'm applying for a house in a couple of months and I cant have this messing up my score. So far, I've sent several letters to negotiate a settlment but have recieved no reply.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery llc XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: MI
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:
I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXXto XX/XX/2019 statement Payments were made in full, less new purchases. In XX/XX/XXXXto XX/XX/XXXXstatement Balance was paid in full on XX/XX/2019. Payment due date was XX/XX/2019. XXXX A National holiday ) Actual payment was made on XX/XX/2019, but due to holiday, not processed thru Bank of Americas website until XX/XX/2019. Then posted in XX/XX/2019. Next statement I was charged {$6.00} interest. Before that I was charged {$8.00} in interest in XX/XX/XXXX. I called Customer service and after a 30 minute hold with computer held messages, I was finally transferred to live operator XXXX. Upon explaining my request to return {$8.00} from XX/XX/XXXX, and {$6.00} from XX/XX/XXXXin interest charged, She explained their policy is that I would need to pay the full balance for two months straight to avoid interest. I explained that was wrong, she then put me on hold, and returned with the answer that I was late on payment which was due on XX/XX/2019. I again explained payment was paid on XX/XX/2019 and not processed until XX/XX/XXXX and posted on XX/XX/2019. She stated they were open 24 hours a day and the interest charge for both months will remain. 
I feel BOA is charging interest on accounts who pay in full, fraudulently and want to report them for manipulating dates and payments. I also am demanding return of {$14.00} taken as interest payment which if I did not pay, would result in late fees and negative credit reporting.

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 2019-04-09
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX while I was employed by a company which provided me excellent insurance and low copays, I got a dental procedure done to my mouth. I paid the remaining balance that was due after my employer paid the big balance. Then I moved out of the state a few months later. In mid XXXX I received a random call from a debt collector saying I owed a balance of {$240.00} and this will be reported on my credit. I tried to inform the representative that the debt was paid but they were unwilling to hear my story. I even reached out to the dental company who also was very rude to me in stating I did not pay my bill. Now this is a bad stint on my credit that I did not cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXX delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.

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 2019-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX of 2018 Fifth Third Bank put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when I disputed the issue with a manager in XXXX, Ohio. They sent me a letter saying they reopened the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I obtained report # XXXX from Experian and noticed an fraud alert was placed on my account without my knowledge and consent. Experian made it impossible for the consumer to reach out by way of telephone for the consumer to ask immediate removal for fraud alert. 

Therefore, I want to file a formal complaint against Experian for discrimination against Seniors with XXXX that are unable to use the postal service to dispute inaccurate information contain in the consumer report and their refusal to remove a fraud alert that prevent consumer from obtaining emergency medical equipment. 

Experian placed an fraud alert on my credit report without my knowledge or consent and refused to remove fraud alert from my report. Experian refused to tell the consumer who placed the fraud alert on the consumer report, when the alert was place and for what reason. Experian had the consumser call several times each time more than a hour wait to get aholdof a representative only to be transferred to XXXX XXXX. After I reached Experian and explained I had to apply for credit to obtain XXXX   equipment and I need the alert removed immediately the Experian representative refsued and hung up the telephone several times forcing the consumer to repeat the process.

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 2020-07-19
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The credit card company debited my bank account for annual renewal fee WITHOUT sending a statement. When this fee showed up on my bank account without any prior notice I disputed it. On XX/XX/XXXX I received a postal letter that my account was overdue. Then I spent 25 minutes on telephone with their representative before she told me that an account supervisor would have to do this. The account supervisor was to call me back later on XX/XX/XXXX. This never happened. Today I have been on their website for almost an hour trying to cancel account but I end up in a loop that constantly sends me back to a previous location.

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 2019-07-23
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency and law firm repeated harassment and motion for civil action on an issue that I have repeatedly requested a statement of balance, interest, and fees owed on the alleged debt with XXXX XXXX, copy of the original signed contract. To date I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 I reviewed my credit report and found late payment on the dates below : XXXX XXXX day late? how is that possible? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I logged into my online account for my credit card with USAA. 

I clicked on a promotional offer for 0 % interest on a balance transfer. The offer was ending on that day, XX/XX/XXXX. 

I followed the steps and completed the balance transfer. 

The balance transfer went through but I did not receive the promotional rate. When I called USAA, I was told that the money did not post to the USAA account until a few days later thus missing the deadline. 

USAA does have the disclaimer that the deadline for money posting is XX/XX/XXXX but as an electronic offer, I feel that it was misleading to even still have the offer live on my account on XX/XX/XXXX if it was already going to automatically miss the deadline. If anything, when I clicked on it they could have easily given me a message to inform me that the transfer could take more than one day and would thus miss the offer. I received no notification of this and feel that I was duped into taking an offer that was really already null and void. USAA should have disabled the link earlier to reflect the true deadline for this offer. They could have also informed me in some other fashion that although my balance transfer was conducted through that link, it actually did not qualify for the promotional rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX alerted me that XXXX opened a credit file on me twice since XX/XX/XXXX. I never requested products or services from XXXX. The only option for resolution was to send an email to XXXX, which I did on XX/XX/XXXX. XXXX should not be able to open such a credit file without a request from me. I fear someone else may have done so fraudulently.

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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked Transunion to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

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 2020-02-07
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19, I purchased XXXX XXXX tickets for {$400.00} and was requested to pay via XXXX XXXX. This is a transaction that occurs over the phone and paid it to a phone number XXXX via the XXXX XXXX. I sent the money and then the person never emailed the XXXX tickets as promised. I tried to contact the person by phone and I was blocked. I also tried calling via another number and also then blocked. 

Immediately after realizing I had been defrauded, I contacted XXXX XXXX  customer service and alerted them to the issue and requested they hold the funds. I then contacted my Citibank credit card company and immediately disputed the charge. At this point in time, they have stated that they only temporarily credited my account. The merchant responded and will favor with them, with no regard for items not received even though they were both aware that this was a fraudulent 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 explanation
Consumer complaint received 2019-04-09
Company: BB&T CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Step 1 : What is this complaint about? Regional Acceptance has continued to call me daily. They called me at XXXX pm and when asked why they are calling so late they will hang up the phone. This is not the 1st time that they have harassed me during sleeping hours.

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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

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 2019-07-23
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has a charge on my ( 3 ) Credit Report for {$3600.00} for a Credit Card debt. I never had a XXXX XXXX Credit Card. 
In XX/XX/XXXX this account was open ... In XX/XX/XXXX it was removed. 
In XX/XX/XXXX. XXXX it again report on my credit report as me opening it. 
Then it was reported to XX/XX/XXXX it was reported on my credit reports. 

The reference number under Cach Llc/Resurgent Cap is XXXX Balance {$3600.00} Original Creditor : Not Available COLLECTIONS XXXX ( XXXX XXXX XXXX XXXX ) Act. # XXXX Opened XXXX Reported Closed Condition

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had attempted to modify my Suntrust accounts in 2013 at that time I had never missed a payment, they would not look at a modification unless I was late, they suggested to miss a payment and then file the modification application and they would not report my credit file as a missed payment. I did as they said and now all these years later I see a missed payment mark on my credit file and want it corrected.

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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America is charging overdraft fees of {$35.00} when there is clearly enough funds in the account to cover a posted item. This has happened twice in the past week, the latest time causing my account to be overdrawn.

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