BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I have a >XXXX  FICO score, no derogatory marks, and applied for a Capital One Savor Credit Card on XX/XX/19. I was rejected. I later received a letter stating it was because I applied to too many credit cards. 

I received a mailing on XX/XX/19 with a special pre-approved offer for a Capital One Venture card. Since I had just been denied the Savor, I called Capital One on XX/XX/19 to verify that this was in fact a pre-approval offer, as nothing had changed in my credit history in last few months, so there is no reason a pre-approval should be denied. The customer service representative took my Reservation # and Access Code for the offer, and verified that it was in fact a pre-approval offer. I said thank you, and that I would apply online. 

I then applied online and was rejected. I can say with confidence, as I monitor my credit every 7 days, that nothing in my credit report has changed, and I haven't applied to any new credit cards in the last several months -- the window in which this pre-approval would have been generated. I spoke with a manager in their customer service department, who said this preapproval would have been generated by a screen sent within the last 2 months. He said there was no way to reconsider my application, or reverse the hard credit check. 

I feel that I was baited into having an unnecessary credit pull on all 3 major credit monitoring agencies, thereby negatively affecting my credit. This is irresponsible and predatory behavior. It would be one thing if my credit situation had changed. The fact that it had not, and my credit remained top tier at the time of application, is evidence that their " pre-approval '' claim is deceitful and fraudulent. The application terms also say nothing about having applied to too many credit cards being disqualifying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX opened a XXXX XXXX account serviced by Citibank which offered a {$50.00} promotional credit. I was immediately approved and used the account information provided to purchase a lawnmower and accessories totaling {$570.00}. I have called Citibank twice asking why the promotional credit hasnt been applied and have just received my first statement showing full purchase amount of {$570.00}. 

I was advised twice that the promotional credit could take up to two billing cycles. So my options are to pay balance in full and then have a credit balance of {$50.00} if they actually apply the provisional credit eventually, or pay balance less {$50.00} and incur interest. This seems deceitful. 

Im sure Im not the only customer this is happening to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Had a credit card through Bank of America for probably a decade or more and my payment history was spectacular. Back in XXXX or XXXX of XXXX, I paid off the full balance on the card. Apparently I did have 2-3 items that were monthly charges on the card and didn't realize it. When you sign up for paperless billing, you don't get anything mailed to you anymore. So I wasn't seeing an account statement email and those charges accrued for 2-3 months before I was notified by Bank of America that I had an overdue balance, around XX/XX/XXXX. I talked to an agent and asked him to send me the last 3 statements so I could make sure I got everything cancelled and told the agent I would pay the balance in full as soon as that was received. Those statements were never sent to the address I gave, and they moved my account into their collections department. I talked to an agent in that department on XX/XX/XXXX and told him I wanted to pay the balance in full and close the account. He told me he would waive the late fees, so instead of paying {$330.00}, I paid {$260.00} and got confirmation from the agent I was paid in full and my account would be closed so nothing else would charge to the account. Then, a week or so later, I get an emailed statement saying I still owed {$65.00}. I called BOA again. I asked them to review the call I had where I was told I would owe nothing else and my account would be closed. They just kept telling me that department didn't have the ability to review calls, asked them to send that request to the department that did. Just kept getting the run-around for the agent ( and manager ) I spoke with. I just wanted them to listen to the call and call me back and tell me if they thought I was treated fairly. Telling someone an account is paid in full and closed, then sending a bill for more money I believe would fall under both the FDCPA and UDAAP regulations. On top of everything, this financial institution has gotten so big, you can't even call them without getting transferred 2, 3, 4 times, placed on hold, using hours of your day to try to resolve an issue. It's almost like they want to make it so hard that people will just drop their complaints and just pay the bill, whether it is collected fairly or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
im filing this complaint with chexsystems, there is over 39 inquiries tgat are fraudulent on my credit reprot they need to be removed, i did not check my credit and these were done by someone using mg information to check my credit, i am a victim if identity theft, i wll tkse screen shots of this reprot and send them to chexsystems, all 39 of inquiries needs to he talking off, this identity theft report is a police report, i do XXXX a law firm hired to clear this up if this is not done by chexsystems at my request i will turn this over and let them file a lawsuit because chexsystems has ignored my request and the evidence to show im a victim of identity theft and i wmat these inquiries roved asap, my information was leaked on the dark web where it was compromised, I want all 39 of these fraudulent inquiries removed from my report as I did not check my credit at all and I want this matter to be done by chexsystems, I have been ignored and Im tired of it, I spoke with my attorney and two investigators this identity theft report is the same as a police report, please take care of this 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 2023-07-09
Company: Gordon, Aylworth & Tami, P.C.
State: WA
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:
I received first communication from Gordon, Alyworth & Tami, P.C. via process server with a summons and complaint on XX/XX/2023. I responded to the complaint on XX/XX/2023 along with a request for debt validation via certified mail and I filed my answer to complaint with the XXXX XXXX District court on the same day. It has been 2 months and and I never received a response to my validation request. It is now XX/XX/XXXX and I received 2 documents in the mail, Plaintiff 's request for admission and Request for production of documents. I requested for productions of documents first and was completely ignored and I never received a letter regarding my debt validation rights after initial contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: RFNA, LP
State: TN
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:
My payment was reported to the 3 credit Bureaus XXXX, XXXX, XXXX as past due XX/XX/2021. There has not been a 30 day late on this account. 
Payment was remitted to Republic by debit card though their ( XXXX ) XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I satisfied this debt to the original company XXXX XXXX about 3 years ago. I switched carrier and do not owe this company or First Point Collection agency. This debt has not been verfied by either company and needs to be deleted. 

I sent certified mail to the collection agency via usps and have not heard a thing. 

This debt needs to be deleted from my XXXX credit file ASAP. 

This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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 have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : Fair Collections and Out Balance : {$5900.00} Original creditor : XXXX The XXXX XXXX  Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 
3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX ) In accordance with the fair credit reporting act convergent account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-09-15
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently, my employer started making $XXXX a month in payments toward my student loans of $XXXX a month, held by XXXX XXXX. Accordingly, I have tried to get my direct debit amount reduced by $XXXX (XXXX XXXX would still receive the same amount each month, but the extra $XXXX  would come from my employer). The $XXXX already shows up as a credit each month on my bill, but XXXX XXXX refuses to lower my direct debit amount to anything lower than the total billed each month (even though they're now getting $XXXX more than that each month); they will only allow me to increase how much I pay in direct debt. I just called them about it today, XX/XX/XXXX. I had previously emailed them on XX/XX/XXXX, and below is what they responded on XX/XX/XXXX. I followed the instructions and it only allows increasing how much to direct debit, not to decrease.


---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/XXXX at XXXX XXXX




Thank you for contacting XXXX XXXX!

To change the additional amount withdrawn through Direct Debit:

-  Sign into your online account
-  Select "Payments & Billing"
-  Select "Automatic Payments"
-  Select "Manage Direct Debit Information"

You will then be able to adjust the information in the Additional Payment Amount column.

We recommend that you use the "Contact Us" links on our website, XXXX, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).

Sincerely,

XXXX
XXXX XXXX

--- Original Message ---
On XX/XX/XXXX at XXXX XXXX
>Message: My employer now submits $XXXX a month in payment, so I would like to lower my direct debit amount by $XXXX a month. I was wondering how I can go about doing that? Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I call to advised Transworld Systems Inc. that the debt they're attempting to collect on behalf of the reference Creditor 's Account # XXXX from the facility XXXX XXXX XXXX XXXX XXXX was settled and cleared in a letter dating XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating : " This letter is being sent to notify you that a charity write off has been applied to the account listed on this letter. The account is now considered closed. '' Transworld on the XX/XX/XXXX phone called referenced another medical company " XXXX XXXX '' unbeknownst to me and not found nor referenced on the debt collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning XXXX XXXX, 2017 through today, XXXX XXXX, 2017, Allied Interstate LLC has called my cell phone number twenty times, as often as four times a day, and have yet to leave a message.

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 2017-09-15
Company: EQUIFAX, INC.
State: KY
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:
As far as I know, I was not a customer of Equifax. If I am, I was not deliberately. Regardless, I never gave them permission to release my information during the recent data breach. Having used their form to check online, the service reported that it was likely my personal data has been compromised.
I spent a some hours researching how best to do damage control at this point, initiated a 90-day Fraud Alert with XXXX, and put myself on the DoNotCall Registry, and opted-out of pre-approved credit offers. I looked over my annual credit report and so far I have not seen anything suspicious, but my understanding is that this release of my personal information has put me at risk for the foreseeable future, without recourse.
I have gone to great lengths to maintain a great credit rating so I can finance a home and small business in the near future, and this development has added to my anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: DE
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:
I recently received two letters where creditors closed my account due to adverse action. I checked my credit report and found that Equifax place a bankruptcy on my report as of XX/XX/2018 and I have not file bankruptcy. This agency has caused two creditors to close accounts. The question is why they placed that on my report and have they verified that with the bankruptcy court. Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: ID
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) 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 2017-09-15
Company: Continental Central Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We bought a time share 11 years ago and paid it off about 2 years ago. In the first 3 years we had constant communication with them either by phone or mail. If we were late in a payment or a change in their bi laws they had no problem getting a hold of us. 
In the past 7 years we have not received any bills or notice of a debt owed. This past XXXX we received a collection letter stating we owed XXXX for maintenance fees. I immediately called spoke to someone on the phone and then sent a letter asking for proof. 
Two weeks letter I received a letter from a lawyer with not a breakdown but a letter that I had a timeshare and added almost 600.00 in legal fees. It even states in his letter that a new company had taken over and had failed to notify us and others of this debt. 
How can this be allowed to allow a debt to go so long without notifying us and then demand it to be paid in full, request proof and then add another XXXX in legal fees. 
We have worked so hard to improve our credit paying our bills on time and now this. I feel they do this on purpose so consumers like us who ca n't pay the total up front that can add fees to make more money. Please help us solve this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently sent a letter to Ad Astra making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: ID
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation