BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
Credit card dispute with Capital One WalMart MC # XXXX Merchant : XXXX XXXX Amount : {$35.00} Date of billing : XX/XX/XXXX Reason : Merchant shipped a metal garden arbor arch in XXXX of XXXX TO my former house in XXXX XXXX, XXXX. Because XXXX does not pick up improperly delivered merchandise - my account was NEVER credited for the merchandise I Neither received NOR that XXXX ( with a ware house just 2 blocks away ) would retreive. 

In XXXX, another ( repalcement ) was shipped this time to my XXXX, XXXX  address. In XXXX, I was RE BILLED by the vendor. Because of this, I contacted the vendor and asked that I be able to return the metal garden arch & get my account re credited. This item was returned to the XXXX XXXX in XXXX, XXXX USPO tracking for this item return was : XXXX Note : On XX/XX/XXXX, I received an email from Capital 1 that mentioned they were reapplying the {$35.00} charge to my account. This was done, despite the fact the merchant never contacted me to advise me HOW I might return the item I was billed for and didn't want. This is against regs under the Federal Fair Credit laws. Capital One 's investigation techniques are anti consumer : they tend to FAVOR the merchant over the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i was a victim of identity theft by a person who used to reside in my home and had access to my information it has been reported and flagged i tried to notify the company i saw on my collection for a credit card i did not use /have and they disregard me saying i meet the requirements of the charge and it will remain on my credit till i pay this off. i have done all the steps during this time and they are not willing to look into this matter to delete these fraudlent charges from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting a late payment for my XXXX  XXXX  despite XXXX contacting Equifax directly and asking for the late payment information to be removed. Equifax is the only credit reporting agency doing this. I have repeatedly tried to follow the Equifax dispute process without success. Equifax refuses to contact me or explain the rational for reporting inaccurate XXXX  XXXX information. Equifax insists that I follow the dispute process again. I believe Equifax knows that I can not qualify for a mortgage with a dispute or a late payment on my Equifax report so they have placed me in purgatory with no way to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Transunion has ignored my request to investigate my dispute items. I sent in two letters and have been patiently waiting for a response and have not received anything yet. It has been well over 30 days at this point.

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 2020-05-23
Company: CITIBANK, N.A.
State: NJ
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:
I paid off my card on XX/XX/20 before the end of the card cycle. 
Statement information states that if the whole balance is pay in full no interest will be charge. 

My new statement of XX/XX/20 shows an interest charge of {$26.00}. Why?

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 2018-02-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am an Amex Platinum card holder since XXXX. Sometime earlier this month I was informed about a new Delta Skymiles Amex gold card promotion which waived 1st year fee and XXXX Delta miles after charging {$1000.00} in 3months. The promotion was relayed to me when I asked to exchange the airline incidental fee reimbursement from Delta to a different carrier I was convinced to apply ( XXXX XXXX, XXXX ) for new card and was approved for a new card on application submission. I received the new card a few days later. 
I started to make qualifying charges of several hundred dollars. 
This morning I called Amex when I noticed the new card had a different Skymiles number than my current Delta number. When I called Amex to combine my 2 Skymiles accounts and I asked for update of my total points and when the promotional points would be available to purchase a new airline ticket.. 
It was at this point ( XX/XX/XXXX ) I was told that I am not eligible for promotion because I had closed the Delta card a few years ago. Amex could not/would not provide me any details of the previous account that disqualified me for current promotion. If I knew or had seen terms I certainly would not have applied for the new Skymile card and would not have to combine 2 accounts and would have accumulated bonus points on my Amex Platinum card. This appears to be a variant of a classic bait and switch of the promotion,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ADIR INTERNATIONAL 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 information incorrect

Complaint:
La Curacao is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account is constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XXXX of XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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:
My Name is XXXX XXXX Today 's Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also I Called Experian Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful Ive Attempted Several Times In The Past To Solve This Incorrect Info With Experian , All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX ... .... 
XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX PROGRAM ) ) XXXX XXXX XX/XX/XXXX I Even Called Experian Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Experian Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days

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 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Current Balance {$670.00}. I attempted to make a payment of {$550.00}. Credit card company stated that I would not be able to use my card for 3 months after making the payment. Contacted XX/XX/2019 to have matter resolved. Credit Card company did not resolve matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Collection Professionals, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called them for a 9 year old debt that will be 10 years old this XXXX and they said I need to pay the balance which included attorney fees and {$100.00} more than what's listed summons in order to withdraw the summons which now the XXXX hasn't more than doubled the orginally fee. This is a debt for a part of a class fee for a college course I withdrew from one day after it started and the textbook the college book store refused to take back almost 10 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2018-09-24
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/18, contacted this company via phone because this item has been reporting in my credit report and to notify them that this account was opened as a result of fraud. I have completed an identity theft report via the ftc.gov listing this account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: OH
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:
company inquired on my XXXX credit report i never applied

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 2018-09-24
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number To whom it may concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

Alltran/United XXXX XXXX has been calling my XXXX XXXX XXXX XXXX who has terminal XXXX at the number XXXX XXXX on a daily basis. Under the eyes of FTC this is harassment and defamation of character. I have no accounts with you and have received no documentation that I owe any monies to your company. You constantly harass and XXXX XXXX XXXX man that can barely speak due to the fact that he is in the end stage of his life with XXXX XXXX! 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey and New York Attorney Generals office. Civil and criminal claims will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/2018 I sent written correspondence to First Investors providing clear instructions on how my future over payments should be applied. First Investors has failed to acknowledge said letter and apply subsequent over payments as instructed.

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 2018-09-24
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been asking FedLoan Servicing for a recount of my number of qualifying payments for the XXXX XXXX XXXX XXXX XXXX program since XXXX. I call or email about once every other month requesting the recount. I've kept a record of all of these phone calls for the last year. And, I've also kept sent receipts for all of the email I've sent on the subject. Every time I call or email, XXXX responds that they will do a recount. But it's been over two years now, and I'm concerned the information will become more difficult to track as time goes on. 

When I have talked with a manager at XXXX XXXX in XXXX of XXXX, he did agree that the number was definitely wrong, and we agreed on the correct number. But the change was never made to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was declined on a Friday Night, I was completely lost as to why it was declined as I had the available funds within my account. Upon calling Wells Fargo, they said they were unable to process a single {$580.00} transaction, despite having funds available within the account, because of a {$500.00} daily limit is imposed, even with identity verification.

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 2021-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Afternoon, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last year on XX/XX/XXXX I noticed my credit score decreased by XXXX point. I researched the issue and found it to be because of a {$310.00} medical bill that had gone to collections. I contacted the collection agency immediately and it was discovered they were sending notices to an old address so I never received the notices. They didn't care. I was willing to pay the bill, but wanted it off my credit report. They said no. I contacted the original hospital and the anesthesiology group. Everyone had the wrong address because the hospital neglected to update my records the day of the procedure. I provided the right address to everyone at that point, but no one would help resolve the issue. I actually have a copy of the official medical records that show I provided the hospital with a copy of my Driver 's License with the correct address. After numerous calls, I gave up last year trying to fix this. I decided to pay the bill today, XX/XX/XXXX with the credit agency because I owe the money. They said it was past the time limit to collect. I stated that I always wanted to pay the bill because I owe it. I just want it off my credit report because I never got a bill from the anesthesiology group or the credit agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2020-05-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief