BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently saw on my credit report that my credit card is reporting 30 days late in XX/XX/2021 and 60 days late in XX/XX/2021. I am on a special COVID repayment plan with Capital One and was told they would not report me as late!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector ( s ) have my number but I am not the person they are looking for. They are looking for a person with a similar name. I realize that debt collection calls are allowed but I am not the person they are looking for and they won't stop calling. If I get one collection agency to stop ; they sell my number to someone else and the annoying, harassing calls start all over again. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has debited my account for XXXX. Among these are at least 4 double charges and too many more to count. They have never paid the damages they agreed to in previous complaints. Now they are a threat to my credit. While refusing to acknowledge the obviously intentional attack. They have a history of the same recorded from a closed email address in your listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citibank has been calling and harassing my family members about a credit card that I didn't open or use. Citibank opened this card and apparently allowed someone else to access the credit on the card. This account is not mine. I am a victim of identity theft. I have attached copies of documentation.

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 2018-10-11
Company: Experian Information Solutions Inc.
State: AL
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 contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.

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 2018-10-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am XXXX  my identity was stolen XXXX XXXX  refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, And Experian have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.

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 2018-06-30
Company: Experian Information Solutions Inc.
State: TX
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 called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX FXXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.

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 2018-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeatedly calling me before XXXX XXXX. They know what time zone I'm in because I have received mail from them.. The most recent call was this XXXX at XXXX XXXX  from the number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased an item with PayPal from an individual face to face, after the transaction the individual didnt want to wait 4 days for the amount to be available, so I paid the individual the {$750.00} cash and tried to cancel the transaction, paypal asked if it was unauthorized and instead of canceling it, and I clicked yes, tried to fix it for 4 days, the money is out of my account and no way to get it back, even the other individual has being helpful trying to fix something with them, PayPal resolution center just told me since I issued the payment, they cant back me up or help me at all, so Im out of {$750.00} ... that is what they think, I really dont know what to do next.I am XXXX XXXX  XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.

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 2020-09-05
Company: CITIBANK, N.A.
State: NJ
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:
When I try to log on the message says " sorry we are unable to sign you on at this time '' no matter what time of the day it is and no matter how many times I try.

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 2020-08-24
Company: EQUIFAX, INC.
State: OH
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:
NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EQUIFAX XXXX XXXX XXXX, GA XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90  days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EQUIFAX for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the Personal Representative for the estate of my father XXXX XXXX XXXX. I submitted the required Letter of Administration and Death Certificate to a Branch Associate at the XXXX XXXX Bank of America. I was informed that a member of the Estate Services Department would be in touch with me. I have not yet heard form them. 

On or about XXXX the XXXX the Estate Department froze my father 's accounts. They removed the funds from his checking. This money is the only available cash which our family needs in order to handle bills which need to be paid and other accounts settled. 

I was told this could take up to 8 weeks. During this 8 weeks, Bank of America is continuing to allow interest to accrue on the HELOC my father had with them. I can not pay this off without the funds that were in the depository account. As far as I can tell the money they are holding hostage is not accruing interest. 

This seems to be somewhat questionable as far as legally holding the money. I understand how banks work. So I know they are continuing to use the money to lend to others in order to make more money. They are also continuing to essentially charge the estate for the loan he had instead of allowing me to close this out.

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 2017-08-03
Company: EQUIFAX, 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:
I was recently denied a parent loan by the XXXX XXXX due information reported to credit Equifax and other credit reporting agencies. The information reported on my credit are as follows - creditors and amounts are : 1. XXXX XXXX for {$930.00} 2. XXXX XXXX XXXX for {$1800.00} 3. XXXX XXXX  {$84.00} 4. XXXX XXXX , XXXX {$110.00} I contacted Equifax and reported the above information as misleading, and they deleted the {$84.00} and {$110.00}. The rest of the reported information was not deleted because according to Equifax, the creditors refused. The fact is I do not have business with people and do not know what these outstanding debts are about. I am asking you to please intervene as I need to get my parent loan approve so my daughter can attend college this fall. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017, we were devastated by Hurricane Harvey and forced out of our homes. In XX/XX/2017, our mortgage company offered us a 3 month payment relief and told us at the end of the 3 months, we can either pay the balance in full or receive disaster modification. We accepted their offer as it was much appreciated during this time. We contacted the mortgage company several times trying to understand the program but no one we spoke to had accurate information. We started to receive foreclosure letters and collection calls and we were very confused. We were then told we would be placed on a " trial '' modification and to pay a certain amount for 3 months and after the 3 months, we would be modified for the 3 months that were forbearance. Our credit reporting has been impacted and showing 6 months of late payments, something we were told wouldnt happen. We are STILL awaiting this so called disaster modification we have been promised for MONTHS! We have done everything they have asked of us but we are not getting any true help. Its been one lie after another and their " attempt '' to help us has become the worst nightmare ever. As first time homeowners, this experience has not helped us at all! We wouldve preferred to struggle to pay the mortgage along with temporary rent elsewhere versus dealing with this continuous battle of unprofessional and inaccurate information from the lender. I want our account fixed. We were also told we have an escrow overage that will not be released until we get our account out of default. Theyve been dragging their feet and wont fix this account in order for everything to go back to normal. We cant make payments over the internet because our account is all screwed up. They didnt tell us when they offered the disaster assistance that everything would end up screwed and confusing. The collection calls, the threatening letters, the continuous lies and negative credit reporting should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted beginning XX/XX/2022 instructing them they have no permission or consent to share my personal information to third parties. And requested they remove my personal information and creditworthiness from all third parties/non affiliates. They continue to provide my personal information to third parties and non affiliates without my permission or consent violating Federal law and American Express data sharing privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

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 2020-11-22
Company: TD BANK US HOLDING COMPANY
State: MS
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 contacted these lenders and also the credit bureaus to let them know someone had oped up accounts in my name and also ran my credit and they still haven't taken them off my credit report yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX  and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX  investigation dept, and up to present nothing been done. I just want my credit profile back, please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX investigation dept, and up to present nothing been done. I just want my credit profile back, please assist

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 2018-07-15
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My problem is the opposite. I am trying to get ahold of this debt collector, but I can not find a number for them. I searched for the office and it said that it was permanently closed. Only my credit report it says that I owe them {$800.00}. It is effecting my credit score so I dont know what to do.

Company response to consumer: Closed with explanation