BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a Boat Loan with " Bank of the West '' .I have consistently paid my payments online, electronically through XXXX XXXX XXXX  since XX/XX/XXXX. I have never changed the method or the account from which I pay my monthly loan amount. In XXXX of XXXX they misapplied my scheduled monthly payment as additional principal. After weeks of threatening phone calls from them and collection letters they acknowledged their mistake. They advised it could take 10 days for them to clear up the mistake and in order for me to avoid them adversely reporting to the credit bureau I was advised to by them to make an extra payment. To avoid the hassles of clearing up the credit report dispute with them i made the extra payment and after they cleared up their mistake, they applied it to the following month. 

In XXXX of XXXX, I made my monthly payment as I always do, electonically through XXXX XXXX XXXX  to Bank of the West. This time, instead of misapplying my payment, they claim to have never received it. I have received threatening phone calls daily and I am now receiving mail. I always answer their calls and/or return their calls promptly. I have disputed their claim. I have provided them with a " Tracer '' number from XXXX XXXX. I have confirmed with XXXX XXXX that the payment was received by them and I continue to be threatened by them. 

The claims department from Bank of the West refuses to contact me and all my calls are intercepted by customer service who refuses to allow me to speak with anyone that can actually research the tracer number I am providing. All they do is state they will add my comment to their notes and someone will follow up. I never receive any follow up, just another collection call the following day.

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 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I checked my business account checking balance. I had enough I thought to buy some gas and pay for parking until a deposit came in on Friday XX/XX/19. In any case I was not too worried since I believed I had opted to not have any OD 's paid. It turns out that my balance was quite low and my monthly maintenance fee hit on XX/XX/19 which zeroed my balance. On XX/XX/19, I was traveling around and using my debit card for that account to pay for parking. 

I used the card 4 times on XX/XX/19 and paid for parking in the following amounts : {$1.00} {$1.00} {$1.00} {$1.00} Since I believed my card would reject if there were no available funds I was not worried. I could then use the business credit card or a personal credit or debit card to pay for parking instead of the business debit card. However, the charges went through. 

On Friday XX/XX/19 I went into a local branch to move funds from my business to personal account and to discuss the overdraft charges since I had received an email notice about that. 

With my other bank accounts I don't need to go into the branch to move money but Capital One Bank does not yet allow me to move funds from my business to personal accounts electronically without using a third party service like XXXX. 

When I addressed the overdraft issue at the branch with the teller ( XXXX ) at the XXXX, Maryland branch she told me that my account is set to pay all overdrafts. I then pulled up my business account on my cell phone and showed her my Overdraft options screen, which read in a way that caused me to believe that Debit card overdrafts would never be paid. 

She then went to the Manager of the branch, Mrs. XXXX who told her there was nothing she could do because her system shows that all overdrafts are to be paid. Since I don't recall ever overdrawing this account, this situation had not come up before. 

In any case, I was charged {$35.00} for each overdraft on the same day. A total of {$140.00} in overdraft fees for my account being overdrawn by a total of {$5.00}. 

I feel this is onerous, incorrect, abusive of the banks position, and inappropriate because the way my screen reads I was led to believe that overdrafts with my debit card would never be paid. 

With Assets of over {$370.00} XXXX and revenues of over {$28.00} XXXX, this seems to be an almost predatory and definitely abusive way to handle situations like this. I am requesting that Capital One Bank do four things : 1 ) Refund the {$140.00} in overdraft fees 2 ) Correct the misleading overdraft option on my online banking platform relating to my business account 3 ) Resolve the situation that would allow me to move money between all of my Capital One bank accounts online 4 ) Ensure that no debit card transaction on this account will be paid if the account does not have funds to cover them it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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 2019-10-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Already filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus.

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 2019-02-18
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
This company XXXX XXXX claims I have an credit account with them, although I have ordered from this company in the past I have never used their credit services, I always paid them with my personal debit account. But they insist that I started an account with them, which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

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 2017-11-17
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: Account information incorrect

Complaint:
I 've disputed a XXXX XXXX account with Equifax and XXXX multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and Equifax and XXXX. Equifax and XXXX continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I submitted a paper payroll check from my employer to my Citibank Access Checking Account via mobile deposit. On XX/XX/19, I logged into my account and noticed that only XXXX dollars of my XXXX dollar deposit was credited to my account. As I was unfamiliar with the funds release policy of Citibank, I called them up at approximately XXXX and was told that a portion of my funds would be released that day XX/XX/19 and the remaining balance would be released on XX/XX/19. At the time of this conversation, there was no mention of any problems with my deposit or my account. Around XXXX on XX/XX/19 I logged into my account to see if the additional funds had been released and found that my entire checking account had been removed from my login. At XXXX I called Citibank to inquire why I no longer had online access to my checking account. I was then transferred to the fraud department and was told that it had been locked because the address on my account didn't match the address on the check from my employer. I explained to them that I had moved earlier in the year and had neglected to change the address on my account. This didn't matter to them. I was told the only way that I would regain access to my account and my money was to visit a local branch and show proof that I had a right to have mail delivered to the address on my check. When I explained to them that there wasn't a branch in my state, I was told I'd have to mail proof to a location in XXXX XXXX, TX and that the process would take 5-7 business days. I explained to them that I couldn't be without my funds for this long as I have upcoming bills to pay and asked to be able to submit proof via secure scan or fax and I was told that wasn't an option. So now, I'm going to be unable to pay my bills or put food on my table because I didn't change my address and they won't provide a way for me to expedite this process so I can get this resolved. I feel that this is just a way for them to take advantage of my funds and make extra money from the interest they make off my money.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong 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 2020-05-06
Company: BARCLAYS BANK DELAWARE
State: AL
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:
In the statement ending XXXX, I read clearly that the deferred interest balance was expiring on XX/XX/XXXX. In order to pay the deferred interest balance, Barclay 's instructs the cardholder on the statement to pay the minimum payment and any amount above the minimum payment made in the last two cycles before the expiration date will be applied to the deferred interest balance. I called the Barclays helpline on XX/XX/XXXX after looking at my bank statement to confirm that I was in the last two billing cycles. The Barclay 's representative confirmed that I was. After hanging up with the Barclays representative I made the payment that same day for the deferred interest amount {$1100.00} and another payment of {$170.00} to cover the minimum payment. Both payments were processed and reflect in the next statement ending XXXX. The amounts however were not applied to the deferred interest balance only to the regular balance and the expiration date of the deferred interest payment had changed to 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 explanation
Consumer complaint received 2019-01-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened a credit card with XXXX XXXX in XX/XX/XXXX. I never received my physical credit card. I called many times asking for the credit card and was promised it would be sent, but it never was. I was then told that that a credit card can not be sent until i don't make a payment, so i did, and the credit card was still not sent. They marked my account as past due which also affected my credit score. This is unacceptable and not professional!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions 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:
The company XXXX XXXX AND XXXX XXXX XXXX reported an account to XXXX without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires COLLECTION AGENCIES to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting XXXX to remove this account from my credit 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 2020-12-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX XXXX acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, XXXX is Reporting Charged off as bad Debt, while Experian is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, XXXX is showing Not Reported, and Experian is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX is reporting XX/XX/XXXX as a close date while XXXX and Experian are not reporting a close date at all. For Date of Last Activity, XXXX is reporting XX/XX/XXXX ; However, XXXX is reporting XX/XX/XXXX and Experian reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX and XXXX are not reporting while Experian is reporting Revolving. Lastly, for High Balance XXXX and Experian are not reporting anything while XXXX is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are 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 explanation
Consumer complaint received 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Refunded an item with an XXXX vendor. It didn't go through. So spoke with an XXXX   vendor who tried to refund the charge, but it did not go through for whatever reason. I talked to XXXX but they were not sure why it did not go through and said to contact my bank or credit card company I made the transaction with. 

Called Capital One in XX/XX/XXXX or XX/XX/XXXX regarding a dispute with a transaction.They handled it well. Unfortunately, on there end they got the wrong charge and instead of crediting {$99.00}, they credited XXXX. First mistake. So they adjusted it later and everything was fine, until ... 

The charge came back in the form of a " transaction rebill ''. I called them to dispute it. That's when they made several more mistakes. 

XX/XX/19 Called Capital One Spoke XXXX, an " Account Specialist '' Explained simplistically as possible, the issue. They said they would handle it, that everything would be adjusted by next statement. 

Instead I received another form letter on XX/XX/XXXX-XX/XX/XXXX ( I was out of country ), telling me the dispute is closed. The letter referenced the wrong charge. It referred to the original wrong amount of {$96.00}. Not the correct {$99.00}. My account has been credited {$96.00} again, instead of me receiving a check for {$99.00}, as they said I would over the phone. 

XX/XX/19 I called Capital One again. I got XXXX, an Account Supervisor. I explained the ( now ) long story and she did not understand how they were in error still. She assumed that the account is balanced and there is no further action on their end. She insists the math adds up, but when I explained it, it still is missing {$3.00}. She was unable to explain where my account was balanced. They said they had sent a check, but they did not, so that was a lie. They said it was credited but they failed to explain where. They insisted the {$3.00} balanced the account, but they could not explain. Maybe they fixed it, I can't tell, because they don't know what's going on their own system.

Company response to consumer: Closed with explanation