BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company name is XXXX XXXX XXXX. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.

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 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to lodge a formal complaint against Capital One Auto Finance regarding the unauthorized reporting of a charge off on my consumer report, associated with Account # XXXX. This inaccurate information has caused serious injury to my creditworthiness, leading to multiple account rejections, including my inability to secure a home loan. As a result, I request the immediate removal of the charge off entry from my credit report. 

Additionally, I seek compensation of {$8000.00} for the violations caused by this unjust reporting. The false charge off entry has had severe consequences on my financial well-being and personal life. Due to this violation, I have been unable to obtain approval for numerous credit accounts and financial opportunities, leaving me financially strained and dependent on my family for housing. 

The impact of this inaccurate reporting has been devastating, as I am currently staying with family due to my inability to get approved for a home. The strain on my financial stability has caused immense stress and arguments with my spouse, ultimately leading to our separation. This unjust reporting has disrupted my life and has made it extremely difficult for me to achieve stability and security. 

I urgently request the Consumer Financial Protection Bureau 's assistance in conducting a thorough investigation into this matter, ensuring that Capital One Auto Finance rectifies the unauthorized charge off entry and takes full responsibility for their actions. Additionally, I request your support in securing the requested compensation as a means of rectifying the damage caused and providing some relief in this distressing situation. 

Please keep me informed throughout the investigation process, and I anticipate a prompt resolution to this complaint. Your intervention is crucial in holding businesses accountable for their actions and protecting consumers like me from unfair practices. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Checking and Savings account with US Bank. As a US Bank Employee. 

When I attempted to login online, I found out that there was another email address AND phone number I have never used, or known, that was listed as my account. That had access to my funds. That I sent money to from my primary life savings 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 explanation
Consumer complaint received 2020-01-12
Company: Synergetic Communication Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2020 from a Synergetic Communication , Inc. that says they are trying to collect debt originally owed to XXXX but now owed to XXXX XXXX XXXX , XXXX. It is in the amount of {$250.00}. I do not owe any debt to XXXX, something I verified by calling XXXX and speaking to customer service representatives and a representative from the Recovery Department. My credit reports back this up. 

The letter states that unless I dispute the validity of the debt, the collector will assume the debt is valid. I don't think that is legal since I never owed the debt in the first place. 

The letter states that I can request in writing that the debt be disputed and that they will send me a copy of the judgment or verification. It also says I can request the name and address of the original creditor. I plan to do both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
ON XX/XX/XXXX I FILED CHAPTER XXXX BANKRUPTCY WITH ATTORNEY AT THE EASTERN DISTRICT COURT. CAPITAL ONE AUTO FINANCE RECEIVED A ELECTRIC TRANSCRIPT FROM THE BANKRUPTCY COURT ON THIS MATTER ON XX/XX/XXXX. I HAVE RECEIVED MY DISCHARGE FROM BANKRUPTCY ON XX/XX/XXXX AND ONCE AGAIN CAPITAL ONE RECEIVED NOTICE FROM THE BANKRUPTCY COURT ON THIS MATTER. ON MY XXXX XXXX CREDIT REPORT DATED XX/XX/XXXX IT SHOWS THAT CAPITAL ONE AUTO FINANCE BALANCE XXXX DATE UPDATED XX/XX/XXXX PAY STATUS ACCOUNT INCLUDED IN BANKRUPTCY AND IT SHOWS DATE CLOSED XX/XX/XXXX. SO ONCE XXXX XXXX RECEIVED INFORMATION REGARDING THIS ACCOUNT THEY WENT AHEAD UPDATED THIS ACCOUNT AS INCLUDED IN BANKRUPTCY AND CLOSED THE ACCOUNT SINCE IT WAS PART OF MY BANKRUPTCY AND IT WAS GOING TO BE DISCHARGED.. I HAVE RECEIVED ALERT FROM XXXX XXXX THAT ONE MY ACCOUNT HAD A CHANCE I HAVE A MONITORING ACCOUNT WITH XXXX XXXX SO IF I HAVE ANY CHANGES ON MY CREDIT REPORT I WILL GET NOTIFIED ABOUT IT, SINCE XX/XX/XXXX I NOTICED THAT CAPITAL ONE AUTO FINANCE WILL UPDATE THE BALANCE AS XXXX ON THE ACCOUNT EACH MONTH. WHY WOULD THEY UPDATE A DISCHARGE ACCOUNT THAT WAS INCLUDED IN BANKRUPTCY EACH MONTH. I CONTACT XXXX XXXX TO FIND OUT AND THEY SAID I COULD OPEN A DISPUTE WHICH I DID AND I EVEN OPEN A DISPUTE WIWTH CAPITAL ONE AUTO FINANCE. JUST LAST YEAR ON XX/XX/XXXX CAPITAL ONE AUTO FINANCE CHANGE THE DATE CLOSED DATE TO XX/XX/XXXX. SO ONCE AGAIN WHY WOULD THEY CHANGE A DATE ON ACCOUNT THAT WAS DISCHARGE 3 YEARS LATER. I OPEN A DISPUTE WITH XXXX XXXX ON THIS MATTER NOT ONCE BUT SEVERAL TIMES AND I REACH OUT WITH CAPITAL ONE AUTO FINANCE ON THIS MATTER WITH NO LUCK THIS ACCOUNT IS PART OF MY CHAPTER XXXX BANKRUPTCY THAT WAS DISCHAGE ON XX/XX/XXXX THAT IS 3 YEARS AGO AND WHY WOULD THEY UPDATE ACCOUNT TO MAKE MORE CURRENT. ARE THEY TRYING TO RE AGE A DISCHARGE ACCOUNT TO MAKE MORE CURRENT.. IN THE LETTER THEY SENT ME THEY STATE THEY ARE REPORTING CORRECT TO THE CREDIT BUREAU WHICH IS NOT TRUE, IT THE JOB OF THE CREDITOR TO REPORT 100 PERCENT TO THE BUREAU. I FORMALLY REQUESTING .THAT CAPITAL ONE AUTO FINANCE VALIDATE THIS TRADE LINE WITH XXXX XXXX UNDER ACCOUNT NUMBER ENDING XXXX. DUE TO POSSIBLE INACCURACIES IN THIS CREDIT REPORT I DEMAND THAT THE VALIDATION I HEAEBY REQUEST BE IN THE FORM OF A VERIFIED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY WAS NOT A PROFIT LOSS TAX DEDUCTION. I NEED TO SEE ALL DOCUMENTS ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an online payment through my XXXX checking account to American Express credit card. American Express didn't credit the payment to my account. Instead, they applied it to someone else 's account. I was told this by XXXX and also confirmed by American Express Representative. I also have the name and account number of the person where my payment landed. I provided proof of payment to them that shows that they accepted the payment and they refused to fix the problem. I opened a dispute with them 4 times and they continue to close the dispute stating that they need more information. However, they won't specify what else they need. XXXX bank has provided all that they can provide to show that the payment was sent to American Express. I am now out {$1500.00} and probably American Express is going to send my account to collections and ruin my XXXX credit score. I am caught between two big companies and they have been treating me like a ping pong ball without resolution since XXXX. Please help. I only have access to representatives who don't seem to have the ability to resolve issues and they rely heavily on computers doing the thinking and sending out auto-generated letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXXXXXX XXXX was paid in full 38 days ago. Experian is the only credit reporting agency that continues to report this information in error.

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 2023-08-14
Company: Experian Information Solutions 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:
XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

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 2020-01-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a hard inquiry on my Equifax report from XXXX XXXX that was done on XX/XX/2019 that I did not do nor did I approve of. I contacted Equifax to dispute the inquiry but they told me to contact XXXX however the number provided for XXXX was not in service. I told Equifax it's fraud and would like it investigated and removed, their response was for me to contact XXXX and/or ger a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXXXXXX XXXX website for their privacy policy. Requested to opt out of XXXX XXXX XXXX sharing my non public info. The representative I spoke with whose name is XXXX ID # XXXX  told me there was no opt out option available. This interaction took place XX/XX/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 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I telephoned Walmart and reported my Walmart credit card lost or stolen and closed the account several months ago when the bill reached approximately {$300.00}. I took this action because I suspected one or more Walmart employees or someone was using the card to make purchases without my knowledge. I telephoned Walmart to clearly identify the purchases made with the card but Walmart instead sent me by US Mail an ill defined list of purchases that I was unable to decipher. Subsequently, Walmart began sending me outrageously inflated charges and erroneous bills apparently compounded bills. I telephoned Walmart and explained this but Walmart did not investigate and stop the fraud I alleged, and subsequently XXXX XXXX began sending me erroneously inflated bills for Walmart. I telephoned XXXX XXXX explained the alleged fraud but XXXX XXXX failed to investigate and stop the fraud I alleged. Subsequently,  Capital One Services LLC began sending me large bills and charges that amount to an erroneous or spurious Account Balance of {$910.00} and more. I subsequently telephoned Capital One Services LLC several times and each time I telephoned Capital One Services LLC, the employees that answered the telephoned refused to assist me and claimed they could not locate my information in their system. I finally mailed a letter to Capital One Services LLC via US Postal Service certified mail. Nevertheless, Capital One Services LLC continues to send me spurious bills and threatening messages and apparently completely ignored my letter alleging fraud and requesting to challenge and dispute the erroneous Walmart bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom this May Concern, I have noticed FNB Omaha has reaged the account on my credit report. XXXX sold the debt to FNB Ohama in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to FNB Omaha but I have never made a payment to FNB Omaha and I've never signed a contract with FNB Omaha and never opened an account with FNB Omaha. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.

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 2020-06-04
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
XX/XX/XXXX i placed an initial dispute with experian which both request have been ignored. this last request was mailed XXXX XXXX and I have confirmation that the letter was received via signed confirmation.

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 2022-02-04
Company: DISCOVER BANK
State: MD
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:
Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX at XXXX XXXX called XXXX from XXXX saying I owed more than {$14000.00} from XXXX XXXX from 2003.. He REFUSED to give any details. I have not paid any credit late in 20 years ... .plus the Statue of Limitations has passed on this FAKE account ... .He threatened me with Legal Action, garnishment, etc. I have received no written notification. I am filing a complaint with Illinois State Attorney ... ... .and all 3 Credit Bureaus. He was rude ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I am a victim of fraud. There is a card using my name that I did not authorize or approve. It has dropped my credit over XXXX points. Id like it removed and my credit to be fixed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: BARCLAYS BANK DELAWARE
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:
Barclays charged me two {$10.00} cash advance fees, one on XX/XX/XXXX and one on XX/XX/XXXX, but I did not get ( or ask for ) a cash advance, and one is not listed anywhere on my statement. 
I disputed the charges and Barclays sent a letter stating " We are currently unable to complete your request. '' However, they also charged me for that -- INTEREST CHARGE-CHECKS, OT

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 2023-11-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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