BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2015 I opened a Capital One Credit card and XXXX $ was the limit. I have never been late and its only recently that I became aware that it is a secured card maybe because I have had it so long. So I inquired about having my limit increased and returning my deposit of XXXX $ - I read many advertisements about how after six months you would be reviewed and limit increases and your deposit would be given back. But thats not the case! I was told I would have to close the card and apply for the money in deposit and no interest would be given either. So not only have they given no increases, they get to keep XXXX $ and no interest. I must be helping them instead of them helping me. I dont want to close my account and other than the items mentioned I am happy with them. Its their Platinum card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Avant Holding Company, Inc.
State: NV
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: Overcharged for something you did purchase with the card

Complaint:
Ive been calling Avant about an account that is showing up on my credit report as a charge off. Avant has refused to send me copies of the statements to proof how I got those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted  several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the  completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, 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 explanation
Consumer complaint received 2017-10-06
Company: Experian Information Solutions Inc.
State: IN
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:
1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$5600.00} XX/XX/2019 has violated my rights. 15 U.S.C1681 section 602A. States I have the right to privacy 15 U.S.C 1681section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: IN
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:
1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on  XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy on XX/X/17. I included XXXX XXXX in that bankrtupcy. My bankruptcy has not been discharged. I keep getting harassing emails from them. I know some could be scam. They need to leave me alone Notice LOAN INFORMATION : Docket Number : XXXX Case File # : XXXX XXXX XXXX Past Due Amount - {$780.00} CREDITOR - XXXX XXXX XXXX Accounting Department of XXXX XXXX XXXX has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your wages will be garnished too. 

The total outstanding amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$2800.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. 

If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX XXXX XXXX XXXX XXXX between XXXX XXXX  to XXXX XXXX ( EST ) XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright 2017 XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Huntington Debt Holding LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to HUNTINGTON DEBT HOLDING. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-28
Company: Trident Asset Management, L.L.C.
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 is missing that should be on the report

Complaint:
I never get to speak with anyone up to now ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: FL
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:
I have a Citi Bank card. My account was used by someone in the XXXX. They purchased {$2800.00} from XXXX XXXX in XXXX Citi closed that account and opened a new account and gave me a new card. I was happy with the response. Apparently, Citi got the money back from XXXX XXXX but Citi turn around and charged me again for the {$2800.00}. I have called Citi Bank since XXXX of 2021, when the initial fraud was detected, and still to this day, Citi has not cleared this fraud amount. I have called them every month at least 2-3 times a month and of course their calls are all outsourced to another country. Citi Bank is not helping me at all!! They are charging me for something that I did not buy!!

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 2021-03-24
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This morning when I called Ally Bank I got nothing but grief.I answered all there questions correctly.Because I never had them ask me certain question in all the years I have banked with them I asked them why.I told XXXX I have never been asked these certain questions before.All question were answer correctly and I provided additional information including the amount in each account date ofmature .This was a trust account to which I am the trustee.I told her i was the trustee and i have right to make changes.She also refused to provide me with a supervisor.All I wanted to do was close one cd, put the money in the 2nd cd and renew it for 15 months. She illegal froze my account.Now even after calling again and again answering the questions again not once but 2 twice, The second girl XXXX would not help me.I answer all the same questions and asked if these new question were something new.There were not, gave her all the same answers than demanded a supervisor because again I was not getting anywhere. she told me she had to ask more question I demanded a supervisor .I was tired of answering the same questions over and over again each time I was given another person.I finally was given XXXX and again the same thing.Unfortunately, my son took my phone to his day program in mistake, of all days, he pretty good about not picking up the wrong phone but it did happen.Got no where with XXXX and demand his supervisor, yes i was outspoken to say the least.I told them the same thing over again, I called this morning wanting to close one cd transfer money to another cd and renew at 15 month.Now they are refusing to unlock the account, refusing to give me the money. I am the trustee of the accounts.They would not even send me a code on my email account.what if you didn't have a cell phone.I was calling them on my landline. I just want them to unlock my account as all the answers I provide were correct, including if they saw the notes I called a few days earlier about the 15 month cd.I told them that I was filing this complainant and they didn't seem to care.I did slam them on XXXX which I mostly should not have .They have a copy of my son Trust and a copy of my guardianship papers on file for this. i can not get my account numbers as everything is done on line and they locked me out so I could not provide the terms of the cd only the mature date which was a question I could not answer.Since this will not be answered and solved, I want them to waive the fee it will take to close the cd because it will be past the ten grace period.

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 2017-10-06
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from a debt collector and long story short I asked them to send me the detailed bill if I truly owe. I was yelled at and talked over and was told NO. I need to do the research myself and figure it out the agent was rude and overbearing. I asked them until they could send me out a bill to discontinue the calls because its becoming harassment and he said that they would keep calling until I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The credit card company comenity bank issued a card for a store called XXXX. XXXX went bankrupt, I can no longer use the card, I seem to be no longer issued credit, so when I make a payment it isnt helping my pay down balance. How can a store close with a bankruptcy and still hold us responsible for the bill? And even if we still are why is the balance on my card going down, but available credit is still zero? Its messing up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I generated an online bill pay check I instructed to be made payable to a lawn and landscaping company for {$210.00} on XX/XX/XXXX. On XX/XX/XXXX I received an email from the company reminding me that I needed to send them a payment. I checked Huntingtons online bill pay and saw that the check that was sent was cashed. In looking at the copy of the check that cleared it had been made payable to an individual not a business at a different address than I had provided in online bill pay. I do not know this individual and have filed a police report as well as given a copy of the cleared check front and back to the XXXX XXXX Police Dept. 

I informed the lawn service that the check was cashed by the above individual, they do not know a person by that name. I received an email a couple days later from the company letting me know that another one of their clients used Huntington Bank to pay them and that client had their Bill Pay check cashed by the same individual as well. 
I do not know if the error occurred on your end or this person intercepted and altered the checks somehow. 

As of now, it has been almost 3 months and there has been no resolution. Every time I call Huntington I have had to wait on hold for at least 30 minutes before I speak with someone. No one seems to have an answer as to what is going on with the dispute. The last answer I received was that they were waiting for the credit union that cashed the check ( Via mobile deposit ) to respond 8 weeks after they had initially informed me they contacted them. I asked if anyone had followed up with the other credit union and their reply " I don't know I haven't heard back ''. I was on hold waiting for the agent to connect me with the dispute department and while on hold, the individual hung up on me and put notes in my account that the call was " disconnected '' I called back, and received another agent who assured me she would look into it and give me a call back a week later. This day has since passed and I have not received a call. 

The majority of this information was supplied to Huntington bank in the affidavit I filled out and returned to the branch in XXXX ( XXXX ) to submit. 

There appears to be no quality control in the customer call center based on the several experiences I have had. Some of the individuals were nice enough but, no one seems to actually care about the problem or follow up with me as promised. I asked for the escalations department at one point and they put me on hold for at least 10 minutes. When they came back the escalations department had told the agent that they didn't want to talk to me and she said she would call the person working on the dispute. After waiting on hold again that is when I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pacific retrieval is trying to collect a debt that I do not owe. I sold a car to XXXX XXXX, the buyer. XXXX had crashed the night he bought the car. 

He promised he had insurance and that was a lie. I was asked to send an email so that he may register but didn't follow through with registering it. He didn't register the car nor pulled the car out of tow yard - as promised. 

Even though I properly filed Release Of Liability with the DMV I am being charged for the tow fees. I have the DMV form, text messages, emails and XXXX transfer to prove the car was sold the night before ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: M&T BANK CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Request of terms, rules, agreements with various locations of the banks various dates in XXXX and XXXX. Put letter in writing. Called inquiry number. Reported to credit reporting agencies.

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