BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Capital One is stealing money from the American people. I found out that the mobil app is misleading and the fine print is not transparent... I called and spoke to XXXX employee ID XXXX phone call established on XX/XX/XXXX ending on XX/XX/XXXX 1 hour and 8 minutes on the subject with no resolution. The employee admitted that the app is misleading and not clear. I made a payment in full on XX/XX/XXXX I called to make sure I would not be charged interest since my payment was due on XX/XX/XXXX. The person who picked up said I would not be charged interest however, I still owed a balance of $ XXXX ..... I told the rep I could not see that balance on the mobil app and she advised me that the application which is published by the company is not correct. I asked what that means and here is what I was explained. I was told that the balance is lacking accurate information and I need to wait until the transaction clears to then pay the balance of $ XXXX which, then I would be charged more money on. I told the rep I was not happy and the rep basically told me tooo bad so sad we dont value your business even though you have been with us for 12 years and lost your job to covid-19 ( I worked for XXXX Cruise Lines ) I need to read the fine print and call in even though the application doesn't say the correct price there is nothing that can be done. I told the representative not to make me feel ignorant and I felt belittled even though I considered myself to be ontop of my finances. The rep apologized and still offered no resolution except im sorry next time dont accrue a balance so we dont charge you more money ontop of the money we charge you ..... I told the representative that I didn't appreciate the lack of knowledge and transparency. The rep XXXX was very nice but, didn't offer anything to help. I even asked if a monthly fee could be waived as I have been banking with them since XXXX and she said no. I want the company to understand that if they publish the mobil application the least they can do is provide a section that allows to truly pay in full without double dipping ..... I owe {$7200.00} I pay {$7200.00} but I still owe $ XXXX and now I need to wait 3 days to pay the {$100.00} which then charges more interest so I have to pay more than {$100.00} because of the 3 days ... ... its not fair to the American people especially those who have been banking with this company for many years and have never asked for a waive of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The capitol one bank account that was opened in XXXX under my name and social security number is identity theft or a huge mistake if possible. I was only XXXX XXXX XXXX in XXXX and never had an account until XXXX when I went to college. Ive tried to dispute it, Ive called capitol one, filed a complaint in the past and nothing has happened. It is affecting my credit score and it has caused lots of stress. Please fix this issue. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had contacted all 3 credit bureas and put a fruad alert on my ssn because i noticed that there was incorrect information on my file. Then i also noticed that there were bank accounts i never opened, and the accounts were way before i had turned the legal of XXXX. I turned XXXX in XX/XX/XXXX. And i was living in the XXXX from years XX/XX/XXXX-XX/XX/XXXX i dont know how i would be able to apply for any of accounts. Both accounts were credit and store credit accounts. I had opened an account with bank of america and noticed that they already had an under my name and that the account was recently closed in XX/XX/XXXX a few months before i had arrived back in the US. Same goes for XXXX XXXX when i decided to get a credit check i noticed there was also a XXXX XXXX and a XXXX card and a XXXX account that were all open under my name and my ssn and all the dates were when i was under he age of XXXX. Ive filed reports with the XXXX and with all 3 bureas but all thats happened is just a few corrections of my personal info

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 2017-11-14
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: Information belongs to someone else

Complaint:
I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to  place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: VA
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:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2017-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Portfolio Recovery Associates LLC several times asking them why two separate accounts are still listed as in collections on the 3 major credit reporting agencies. I had paid both of these accounts back in XXXX of XXXX and the other one in XXXX of XXXX. They are still listed as in collections with a XXXX balance. I had talked with Portfolio Recovery and they had stated that they do not delete anything from the credit files. So I then contact all 3 credit reporting agencies and I was told by them that they do not delete them from the credit reports. They had went on to tell me that is up to the debt collection company. So I kept calling Portfolio Recovery asking if they could remove this information off of my credit reports. They did say they had sent out letters to the credit reporting agencies after the two separate bills had been paid. I had asked if they could send me those letters in the mail. They had told me that they could not send me those letters. They had stated that they were only for the credit reporting agencies to have. Even XXXX months after these bills had been paid they are still sitting on my credit reports as still in collections status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Good afternoon im writing today to talk to you about experian i recently tried to apply for a mortgage and new credit card with XXXX  XXXX XXXX and found out something is on my report that i need fixed XXXX  XXXX approved me for a XXXX dollar limit but denied me the card because they have the wrong contact number on file for me my number is XXXX and as for the mortgage i have dispute comments from XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX that need to be removed and i tried to call them at the number provide by 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 2022-03-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
One I have information relato to me in another state I never lived in. And 2 I owe 2 banks and Ita bankruptcy but I got no notification of such also my ex filed unemployment with my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.

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 2017-11-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in reference to a debt that I am not responsible for due thru identity theft back in XX/XX/XXXX for XXXX. I have also alerted the three credit reporting agencies and I have placed a fraud alert with all three agencies. On XX/XX/XXXX I  received paper work from XXXX XXXX XXXX XXXX which are attorneys for Midland Funding LLC stating that I am being sued for an account that I have been diligently requesting validity for, at least showing something with my signature ; however, no one has contacted me or sent the requested information. The account number for this XXXX/XXXX XXXX account is XXXX as listed on the three credit reports. 
I currently have several accounts with XXXX XXXX that are current and in good standing and I do not want this to cause a trickle affect to my credit relationship with this creditor. Please, if you will, contact Midland Funding, for they are the listed Plaintiff on the claim, advising that they have not submitted the requested validation information to me proving that this is my account because I have never applied for a XXXX account. Also asking them to please drop the sue for this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, XXXX I made my usual monthly credit card payment using CITI Cards telephone payment system, as I normally do every month. Within a few moments I received a text message confirmation on my smart phone that the payment had been completed, date and time stamped on XXXX/XXXX/XXXX. Confirmation # XXXX. When my XXXX statement came in the mail, I read that CITI Cards had dated my payment on the XXXX of XXXX, and had charged me a late fee of {$25.00}. I called Customer Service and notified them that this was not correct, as shown by their own text message notification/confirmation system. They refused to reverse the charge, without any satisfactory explanation. My payment was made on time, the late charge of {$25.00} should be reversed, and credited to my 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 monetary relief
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't recognize this account. I never applied for it, I don't have any contracts or signatures with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EXPERT GLOBAL SOLUTIONS, 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: Information belongs to someone else

Complaint:
I was a victim of Identity Theft, I did not apply for a mortgage, but when I overlooked my credit report I noticed I had a Inquiry from this company, and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: U.S. Auto Sales Inc.
State: GA
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:
the car was involved in a total lost and I need that account closed down, I already contacted the company and they will close it down as soon as possible but I also need you guys to close it down since its affecting my credit there is no type of payment owned to the vehicle since it was a total lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I wrote a certified letter which was received by TransUnion on XXXX XXXX, 2017 at  XXXX XXXX. I will include my USPS certified mail receipt for delivery proof. It has been well over 30 days and I have received no reply. At this point, by law they are required to DELETE the 2 accounts in questioned. ACCOUNT # 1 : XXXX XXXX XXXX # XXXX and ACCOOUNT # 2 : XXXX XXXX XXXX # XXXX. 

My next step is to take TransUnion to court for violation of the FCRA. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items are not deleted immediately. 

I will include my first written letter to TransUnion and also my last attempt letter to have these items removed. With the recent data breaches with XXXX, I would think TransUnion would take this matter more serious.

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 2023-03-29
Company: CBC Companies, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX PA.  1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

The company is providing inaccurate credit information whereby denying me housing. The company uses several namesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company also says the information was provided by TXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 a deposit of {$800.00} should have hit my account mid day it was not in so I reached out to lender to find out it went into a incorrect account same as my account but 1 extra digit. We reached out to bank they confirmed it was not in my account but in the other account it was. They said we would have to wait to reroute the deposit to my account until it came back to them. So in the mean time I took another loan out in the amount of $ XXXX with a different lender, somehow that loan went into that incorrect account again. At this point lenders and I reached out to the bank and they instructed us on what to do I made the bank aware that I have automatic transaction that will be coming out and if the funds would be available they said that they would pay them not to worry I asked about NFS fee 's they said they would take care of them once my account went back into the positive. These deposits should have hit my account by Friday XX/XX/XXXX but have not and I have got 12 {$34.00} NFS fees that they say they can not return to me. Since monies were not released and they asked us to send a letters of indemnity for each lender. So in the mean time again I took another loan out from a different lender for {$1000.00} to get my account back in good standing ( this time is all went good and it in my account ). So I reached out o them to get the NSF fees back and they are denying to refund me. At this point the lenders and myself have reached out to the bank several time and spoke to different reps and have not received any type of correct information.

Company response to consumer: Closed with explanation