BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX an amount of $XXXX was sent to my Direct Express debit card.
On XX/XX/XXXX an amount of $XXXX was used and on XX/XX/XXXX I checked my balance  and my balance  was only $XXXX.
 I have been trying to make contact via telephone to have the relevant state agency to cancel and replace my card immediately  but have been placed on hold and subsequently  disconnected.
Looking forward for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

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 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX I made a charge {$5000.00} on my Capital One card. I made the purchase with XXXX with the understanding that if I did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Capital Ones customer service no less than 6 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I was asked to sumit a dispute request in writting. The requested letter and additional information supporting my situation was submitted via mail. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. There was nothing further needed at that point. On XX/XX/XXXX, I sent back a requested form dated XX/XX/XXXX and additional supporting inforamtion via fax, email and mail. Another correspondance dated for XX/XX/XXXX came via USPS that my dispute was denied due to the previous request not meet. I find that impossible because I responded via fax, email and USPS. 
On XX/XX/XXXX, I spoke to XXXX who transferred me to supervisor XXXX. She said she was unable to assist any further because the dispute was denied. Only when I asked for it to escalated, she provided me with the escalation department 's mailing address and fax. On XX/XX/XXXX I was again denied no more than 2 days later via USPS. How is it possisle for thier escalation team to investigate and send out a denial in less than 48 hours?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A lawyers group called XXXX XXXX XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX XXXX nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XXXX. 
The credit card was supposedly used in XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I submitted that information to my lenders Navient and the adept of Education. My loans were not delinquent before XXXX. Dept of Education decided to payoff to of the delinquent loans from XXXX yet there are still being report delinquent. I have several delinquencies reporting from both Navient and Dept of Ed even after sending them proof of my XXXX and agreeing to rehab the loan. I know that it is no one fault for my XXXX except my own. Yet these reports cause my scores to drop 100 points. I dont want a statement to be put on my credit report stating I was XXXX for that will only cause more harm. I have a problem that government agencies should as Lenders are allowed to report information when I believe they knew I was incarcerated and never reached out to me to try and defer my account until I was released from custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Incorrectly charged 11 Monthly Maintenance Fees totaling {$88.00}. Initially signed up for linked checking and savings account was not charged fees. Signed up for preferred rewards program in XXXX and did not maintain a $ XXXX  minimum balance and did not qualify for rewards points. My savings account was then charged a monthly fee. I was told my accounts would not change if i signed up for rewards points i just need to keep a minimum balance to accrue rewards points. Timeline below. 

XXXX - Opened checking and savings account. Accounts were initially linked to avoid being charged a monthly maintenance fee. 

XXXX - Walked into a Bank of America branch and was positioned to sign up for preferred rewards. I was told there would be no changes to my accounts and i would be eligible to accrue reward points if i maintained certain minimum balances. 

XXXX - I purchased a home and withdrew a large portion from my checking and savings which caused my account to fall below the rewards program minimum threshold. 

XX/XX/XXXX - Monthly maintenance fee of {$8.00} commenced. 

XX/XX/XXXX - Contacted Bank of America and they indicated they can not refund previous monthly maintenance fees because the current savings account is not eligible to be linked to my existing checking account. I was told my accounts would not change when i signed up for the rewards program and I thought my accounts were properly 'linked ' because i had ongoing to " Keep the Changed '' transfers authorized from my checking to savings.

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 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Joint bank accounts a checking and a saving with an Ex-boyfriend. 
ex boyfriend used a fraud check to deposit to checking and saving with drew funds at ATM and walked in to a walk person teller. 
caused both account to be overdrawn and charged off. 
XXXX - XXXX. 
Report me to XXXX XXXX which I have already filed a claim with them as well help me with this hardship I was not aware and nor am at fault. 
this is a hardship for me alone as a single mother with now bad credit. 
your assistance is greatly appreciated. 
if you need to contact via phone please do XXXX stay healthy & safe.

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 2017-08-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fat along with naviant at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against 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 2019-10-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection account is showing up twice on Equifax credit report and the collection agency claims there is one account and I need to have Equifax correct it. I disputed the duplicate account and the collection agency verified the account and updated the balance but the duplicate account remained on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; XXXX/now Midland Funding. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. XXXX is in Bankruptcy and XXXX was their credit card holder- but their tactics are not good ; because when I talked to XXXX XXXX they would not even negotiate as I told them I had XXXX and was sick in XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: PA
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 want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.

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 2020-07-06
Company: ONLINE Information Services, Inc.
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 belongs to someone else

Complaint:
I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against 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 2017-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I paid the balance of the credit card when it was due but it still charged me a late fee because the credit card company takes a couple of days to receive the money even though I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an XXXX XXXX account added to my credit report from capital one for a XXXX XXXX XXXXhat the VIN indicates was written off from a collision, I did not apply for any auto loan from capital one. The said vehicle was an old vehicle that was repossessed and XXXX by a different financial institution about 20 years ago. Someone is XXXX  reporting this account with capital one and to other businesses. This scammer is making false reports about me to federal and state agencies. I have contacted capital one and requested the contract signed my me. They do not have details to provide me over the phone instead they are trying to collect on an illegal account that was entered into their system by a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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