BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have always made my payment on the XXXX of the month. ( I keep track of my payments in a calendar set aside just for bills. ) I always go right to the Capital One website to make my credit card payment. In XXXX, I went to the website to make my monthly payment. I discovered that my due date had been changed! What!! I had not been notified of this change. I called Capital One. They made an adjustment to my account. Taking back the late fee, for not having made my payment on the XXXX of the month! I told them, that I did NOT want my due date changed, it has worked for me for as long as I have had the card. The woman I spoke to, said, its the new program and I can not have my payment due date on the XXXX, but I can have the XXXX. I said, okay. I will make that work. 
Along comes XXXX, and what happens once again?! Yes, the due date was the XXXX!! And yes, I got yet, another late fee! I called and went around and around in circles. I was on the phone for at least 45 minutes. Speaking with a supervisor as well. My minimum has been, I'm not sure. Usually around {$35.00} I think. I usually pay {$40.00} or {$50.00} a month. Now this month, XXXX, my minimum due is {$130.00}! What!! The supervisor could not tell me why. Even if it was the minimum due and the late fee, it would only be {$84.00}. But, I don't feel that I should have to pay ANY late fee. I was never notified that my due date was changing, then calling, I was told it was changing to the XXXX. Isn't there something that says we as consumers, should be notified that a due date is being changed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
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 wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. Experian on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing

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 2018-04-25
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
On XXXX XXXX, 2022 I contacted Experian 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from Experian, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that Experian does not work for the consumer. Whatever information the creditor gives Experian is what Experian will report. 


I have never lived in XXXX Texas but Experian Refuses to remove it I have submitted a dispute for this Synchrony Account Every month for the past 5 months and Experian will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but Experian continues to report it. 


How can I hold Experian accountable when their employees are confirming they will only submit what the creditor says?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: SC
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:
This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.

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 2018-08-31
Company: ZARVAD III S.A.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in a XXXX program, I included my payday loans but they are not willing to cooperate with the settlement. Non stop calling XXXX bothering me and emailing me non stop. They are not excepting any settlement at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: PNC Bank N.A.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from the IRS saying there was a charged off debt in XXXX from PNC bank. I went to a PNC bank branch on XX/XX/XXXX and they could not go back to XXXX in their system to identify if I ever took out any loans/credit cards. The IRS needs documentation proving that I never had any of these loans and I could not get them from PNC to prove this charge off was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENTAGON FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-02-11
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo has my credit worse ( 34 ) late payments how did you do this. for years I have been trying for Wells Fargo to remove {$83.00} off of my credit report this was fraudulent Ive lost my eyesight and I became XXXX I was XXXX I had three XXXX XXXX my credit cards home was invaded and stolen from my home while nurses were taking care of me they use my credit cards fortunately that Wells Fargo was put on notice with a police report my home insurance report my attorney would you refuse to answer my attorney you are stating to give you information of the attorney but why would you ask now what it was on your records and you fail To respond to the attorney and Mr. XXXX from your company took information from me and Still in an affidavit indicating all which was stolen merchandise if the police report states that my credit card was fraudulently used and you were issued a police report this is unfair by your company and you To destroy my credit like this 30 for late payments you put on my credit report Im asking for the credit beer is this fair could this company do this to me. 

And indicated back to all of those reports on the fraudulent accounts please investigate the account that you set to XXXX XXXX XXXX XXXX, XXXX XXXX Please there are numerous accounts going to from my second home going to this address with notes indicated that you deposit thousands of dollars in my account that I have loss doing this fraudulent activities with your company this is horrible how you are messing up my credit for {$83.00} I am XXXX Im having a hard time and you are destroying my credit so facetiously again Again remove the 34 late payments and {$83.00} charge off you are destroying my history in my life : So is it 34 times late Or a charge ofF you destroying my credit you are destroying my credit 34 times late ridiculous

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 2023-01-09
Company: Experian Information Solutions Inc.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The creditor and Equifax and XXXX continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MI
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citibank, which finances store credit card accounts for Best Buy Stores initially approved me for a credit limit of {$2000.00} in XX/XX/2023. In XX/XX/2023, after I made a sizeable payment to pay my debt down, they punished me by lowering my credit limit to {$900.00}. Which is an odd number. Also, made it look like I went from having available credit of approximately $ XXXX {$1300.00} to available credit of {$54.00}!!! They cited that I had high balances, etc but as I stated above, I received a settlement and paid down or off all of my credit cards and personal loans. Weeks later my credit score started going back up! It seems predatory to approve me for credit when I had high balances and inquiries before and now when things are trending down and I pay my bill on time every month and actually paid down all of my other debt too that they would reduce my available to a point that only left me with {$54.00} to use. Now it looks like I'm over utilizing my credit card account, which is also a misrepresentation and not fair credit reporting by any means. That's predatory 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 2022-11-30
Company: Professional Finance Company, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a protected consumer in the U.S. I have protected rights under the FCRA. 
This company has violated my Consumer rights by : 1. violating my right to privacy 2. This debt buyer did not have permissible purpose to obtain a consumer report.
3. As a protected Consumer I am entitled to know how your credit information is reported, handled and used by a credit bureau. The Credit bureaus did not let me you know how my credit information was being used so they have violated the FCRA by reporting this information. 
4. The credit bureaus were notified of my dispute of this past due collection account but, has failed to correct the information within 30-days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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 information incorrect

Complaint:
I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation