BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
This complain pertains to a Capital One Venture MasterCard. 

On XX/XX/XXXX my husband and I realized that one of our credit cards was missing. We also found 6 charges on our account that we did not make, to stores we do not frequent. We immediately called to report the card lost/stolen and to dispute the charges. On XX/XX/XXXX, the charges were credited back to our account. 

The next month we saw that the charges were had been added BACK to our account on XX/XX/XXXX, and we found two letters when we searched through menus in the app ( we had received no other notification ) with the same date. One explained that the case had been closed and we weren't responsible for the charges. The other said the opposite, that no evidence of fraud was found and we would be responsible. 

I called to speak with a manager and was told that there was no evidence of fraud because " the card was in the cardholder 's possession '' according to the notes made by the person who took the claim. We explained that this was not true - we had reported it lost/stolen. 

I asked what to do to re-open the case and dispute the process and was told it would be looked into, but the manager would not provide any documentation of our conversation or dispute, tell me what time frame it would be addressed in, or explain why the charges could not be removed while the case was ongoing. I was told there was no one else to speak to or nothing else we could do to file a complaint or document the status of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 spoke with an agent who advised me that I had till Monday XX/XX/XXXX to bring the account current under the overdraft protection with this information she confirmed no transactions would be returned as none sufficient and I would not be charged any fees if the amount overdrawn was placed into account on XX/XX/XXXX. However on or around the XXXX I noticed that the balance reflected an item being returned so I called them and asked about this. I was eventually escalated and followed up with XXXX who assured me that they had listened to the call and the agent did give me misinformation and that the fee would be returned that was charged. I also asked her for the letter explaining this so I could send it to the company that the payment was returned too. However, after concluding our call and reviewing my account the next day I realized that she only returned 1 of the 2 fees, so in speaking back with her she said she wouldn't be returning two because there has to be some recourse on my end. I explained to her well it isn't my fault because I called and verified being so I could make sure the deposit would be made timely. She still refused and also refused to give me details on how to escalate above her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kept this credit card account with XXXX XXXX  XXXX XXXX XXXX for about two years, always paying timely, and according to all the terms and conditions of the agreement. On or about XX/XX/2020, I sent a payment, covering the full balance, of about {$300.00} .- Yesterday, I received information that a late payment of {$1.00} ( XXXX XXXX XXXX ) was filed with Experian credit reporting agency . 
Today I paid by phone. 
I request that the lender is compelled to remove the inaccurate posting. 
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 2023-05-29
Company: Southwest Credit Systems, L.P.
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: Reporting company used your report improperly

Complaint:
I am writing to dispute certain inaccurate information that is appearing on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( a ) ( 1 ), Section 611 ( a ) ( 2 ), Section 611 ( a ) ( 5 ), Section 611 ( a ) ( 6 ), and Section 611 ( b ). Upon careful review, I have identified multiple inaccuracies in the reported account information. I kindly request a thorough investigation to rectify these errors, permanently delete the accounts from my credit report, refrain from selling this inaccurate information, and ensure its removal from any secondary credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2020-06-02
Company: JPMORGAN CHASE & CO.
State: NM
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:
singed up for a Chase credit card in order to receive discount on a purchase on XX/XX/2020 through Amazon. Did not intent to use card I just signed up for card to get discount. I intended to use existing debit card on file. Since I did not activate the card I thought I was paying with debit. Purchase went through on new chase card and I did not realize. I thought I needed to activate card in order to make purchases. Chase reported me to the credit reporting agencies and has damaged my credit. Chase refused to issue letter to reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
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 XXXX of XXXX I filed a dispute with XXXX  in regards to a collection account being reported on my credit report i received a response in late XX/XX/XXXX that the account had been VERIFIED as belonging to me and would continue to be reported on my XXXX  credit file. I since a 2nd dispute notification to XXXX  in XXXX of this year XXXX, I received a response from XXXX  dated XX/XX/XXXX that stated " The disputed item is not currently reporting on the XXXX  credit file '' which was FALSE and I suspected that so I pulled my report via my personal XXXX  account and sure enough the collection account was still being reported on my XXXX  credit file as of XX/XX/XXXX. In XXXX of this year I filed two separate disputes with XXXX  because I have yet to be provided with detailed VERIFICATION that this account belongs to me nor is by dispute even being investigated. I received two separate responses from XXXX  none that provided Verification of the account belonging to me. In XXXX of this year I contacted the debt collector and the company responded that the debt was SOLD to them in XXXX to XXXX but provided NO information that VERIFIED I owed Portfolio Recovery Associates {$940.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Inaccurate dates paid in full reporting inaccurate information. 

In accordance with the fair reporting EVERYTHING has to be reported accurately on report. 

15 US C 1681 section 602A I have the right to privacy.

15 U.S.C 1641 Section 604 A Section 2 : a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I refinanced I was given an address to XXXX so was sending payment there, I received a delinquent letter, called to get info where I was suppose to send bill, the payments where never late, my account just did not reflect the correct date financial company applied payment.

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 2020-10-21
Company: CarMax, 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: Their investigation did not fix an error on your report

Complaint:
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX CARMAX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} 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 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, the consumer and natural person was denied an extension of my credit by American Express Company after I submitted an application in good faith for a Platinum Card. 

Adverse action is against a consumer is AGAINST THE LAW according to The Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

American Express Company is criminally liable for violating 15 USC 1691 as I have proof that I was discriminated against by American Express Company due the response I received. 

American Express Company is in violation of 15 U.S. Code 1642, U.S. Code 1681m, and 12 car 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my credit card ( Social Security Card and Application ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express Company. 

I have already sent notice to American Express Company on XX/XX/2023 and have yet to receive a response as of XX/XX/2023. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Atlanticus Services Corporation
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:
Looking on my main consumer credit files, I see the corporation XXXX is on it, as well as the company they sold the alleged debt to, XXXX. If they are no longer collecting on this alleged debt, why are they still on my consumer credit files? 

This is why I sent the Cease & Desist and Debt Validation to Aspire. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury you caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bi
ll statements with the name of my organization on them are nothing but receipts, proving that Aspire ( the debt collector ) was credited for the transaction already through me, the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: FISERV INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Received the XXXX Balance says {$600.00} and that you can transfer to your bank without a fee. 
I went through the activation process and setup the account. 
Tried numerous times to transfer the $ and it says the transfer amount can not be more than with the fee. It says no fee. 
I tried numerous times to call the XXXX number and it just sends you in the same loop. 
This is more than frustrating and ridiculous. 
I am tech savy and I can not make this work. 
How are people that are not tech savy going to do this? 
Plus now all of my contact info is in some AI loop forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: FIRST PORTFOLIO SERVICING INC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Revvi closed my account a few days after I paid {$200.00} to come current, which I had to find out through my credit report. They are still charging me late fees interest and reporting late payments to the credit report agencies. Also didn't click it earlier but I did have to pay a fee to activate the card I can not remember the amount exactly I think it was {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAINE & WEINER COMPANY, 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: Their investigation did not fix an error on your report

Complaint:
I communicated to Caine & Weiner via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at Caine & Weiner agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an XXXX dispute, and after the investigation, XXXX UPDATED the collection item instead of deleting it. I am including written correspondence from Caine & Weiner where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with XXXX is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Credit International Corporation
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company had a false process server and I never received any notice of a court hearing and judgement was filed against me and now they are able to garnish my wages for something I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have filed a couple other complaints about this companies illegal actions and not notifying me and putting this on my credit report and dont notify me. I file a complaint with Illinios Attorney General as well, which this companies reply to them proves their illegal action as well as false information to this agency saying they did notify me. 
In IQ Data International response to The illinios Attorney General they clearly state I was not notified till XX/XX/2023 and previous letters they say they sent was sent back and I was not given any notification and the opportunity to resolve this before they put this on my credit report XX/XX/2023. See the attached letter they sent clearly stated their letters were returned to them. They reply to this agency several times that I did received correspondence which is clearly false, showing this companies illegal actions and false s statements to this agency.

Company response to consumer: Closed with explanation