BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Consumer Financial Protection Bureau Representative, Today, XX/XX/2022, I received an alert from XXXX that Avante reported a negative item regarding an alleged debt. It is my understanding that : Under the Federal Trade Commission Consumer Law, A consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. 

I would like to state I have no clue, who is Avante. I DID NOT receive any notification from Avante prior to the negative credit reporting of the alleged debt. 

My rights have been violated by Avante due to they did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of. I am seeking your assistance in immediately having Avante remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA. 

Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account was open with XXXX  with my information. I already have phone service with XXXX XXXX XXXX. I seen it on XXXX XXXX and I don't know what information they have on me. 

I have called XXXX and XXXX and filed a fraud alert. I also called the Sunrise Credit Services and they lead me to XXXX. I let them know that I didn't open the account and they filed reports in there systems. I am awaiting on the reports as of XXXX, XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: U.S. BANCORP
State: AZ
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:
Elan Financial Services ( Secured credit card ) is holding me responsible for a {$510.00} fraudulent charge on services I didnt receive. I took my car to a body shop and my car was stolen from a mechanic XXXX XXXX at XXXX XXXX XXXX. I also provided them with a police case number and also the detective personal cell phone number to reach him and confirm the situation of the case.

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 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was issued a garnishment summons at old address ( XXXX XXXX XXXX XXXX, VA XXXX ) in XX/XX/XXXX. Garnishment hearing had occurred and garnishment was in place before i found summons. This was for collection of credit card debt with Capital One Bank.

The debt was six plus years old at time of garnishment with the last payment having been made in approximately XX/XX/XXXX. I have recently learned statute of limitations for open debt in state of Virginia is three years. This is a Virginia based company, as is the creditor 's attorney, and the process serving ageny employed by the creditor. All should have clear knowledge on statute of limitations within the state.

This garnishment is taking greater than 27 percent of my net pay, resulting in late payments and inability to pay my current debts, and has also forced me to take out a high interest rate personal loan to try and keep myself afloat. 

To date I have had over {$2500.00} withheld from my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Paypal Holdings, Inc
State: NJ
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:
Paypal is preventing XXXX XXXX XXXX from issuing to me a credit of {$500.00}. 
Paypal is dragging its feet since XX/XX/XXXX, and claiming that they have 75 days to resolve the matter even though XXXX XXXX has told Paypal on XX/XX/XXXX that XXXX has closed its investigation into the matter. 
The transaction was original processed by Paypal on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There is a billing error. 

15 U.S. Code 1666 - Correction of billing errors ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, The law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports they produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Experian is furnishing inaccurate information on my consumer reports which is a direct violation of 15 usc 1681e ( b ). 

XXXX XXXX and Experian are violating my rights that are federally protected. 

Experian deleted this account and it has reappeared on my credit file which is illegal!

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 2022-09-02
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
It has been a ventureful pain to try and open an account with Capital One Financial Services. 
Every time I call to try and activate my card it has been almost a 15 minute call and I have been getting the run around for quite some time. You send me a pre-approved invitation to apply for Capital One through via mail which I accepted, I applied online on XX/XX/XXXX and was approved with minutes I received my card 7 days later on XX/XX/XXXX. I went to activate my card and it said that I needed to call Capital One in order to activate my credit card, the agent I spoke to then said I needed to send three additional documents via an email provided secure link, which I did for social security card, drivers license, and a bank document for proof of residency, then I was told that was unacceptable that I need to send a bank statement with the full account number listed. I am tired of calling capital one multiple times to activate my credit card, being given the run around, and how long this process has taken ( 8 days ), when the first time I sent documents it took less than 48 hours to receive a notification back. I am extremely frustrated how every time I explain my situation I am subject to no understanding and someone who doesn't speak english fluently, and who has minimal customer service etiquette. It shouldn't be this hard to open a credit card, and I kind of feel like I am being discriminated or at least strongly discouraged to continue business with Capital One throughout this whole process by the number of hoops I'm having to jump through. I would think if this was more than a matter of security such as my identity being stolen I would have reported that to the credit bureaus, and the police ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX a loan was taken from XXXX. To date, the loan has been switched to Discover Student Loans as this company bought XXXX. In XX/XX/XXXXthe loan was beginning to be repaid. The loan was for approximately {$14000.00} and I have paid back {$16000.00} in seven years faithfully. I work as a teacher at a non-profit school and hI have a salary of {$34000.00} this year. Previously my salary began at {$26000.00} when I began paying back the loan. I have paid back more than the original loan by {$2000.00}. Discover says that I still owe approximately {$14000.00} due to an interest rate of 12.875 % now. I was never told that I could refinance this rate until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for Experian to check my credit score and Experian charged me {$1.00} for a week trial. I have called the 4 phone numbers on their website and am unable to cancel by phone, am not given the option, told that I am enrolled in a FREE ( it was not free ) membership and to refer to the online website ( which is absolutely no help ). I need to cancel the membership before my week-long trial ends ( XX/XX/2018 ) and I am charged even more money.

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 2022-09-02
Company: JPMORGAN CHASE & CO.
State: NC
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:
XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: KEYCORP
State: SC
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:
There is Fraud on my Keybank XXXX credit card. There are charges stemming from XXXX, XXXX, and XXXX of XXXX  totaling about {$1600.00} including interest totaling almost {$1700.00}. I notified KeyBank of this matter, and they temporarily adjusted my account the fraud charges that I claimed to them that I did not authorize. As of XXXX, they put the fraud charges back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX Sirs, Experian recently changed those services included within their free membership. Like XXXX and XXXX XXXX their free membership had included the ability to lock and unlock the credit report. This is an extremely valuable feature given the many varied methods by which hackers attempt to access ( sometimes successfully as was the case with XXXX ) your financial identity. Experian now believes it appropriate that they should be paid by the consumer to protect the information they have collected about that consumer. In an attempt to protect my personal information given Experian 's new position I would simply not authorize Experian 's collection of such information instead of paying them to protect the data. I do not believe my potential future creditors need access all three reports with one or two being sufficient. I believe the XXXX  should either assure the consumer has the ability to lock their credit report or provide the consumer the ability to pick and chose which credit agency they authorize to collect their personal information. If all agencies were to take Experian 's position the cost to the consumer in an attempt to protect their information would amount to {$720.00} / annum ... .no small amount when extrapolated over your financial life. 
In summary the foolishness of the system is ... ..An organization collects valuable personal information about a consumer without authorization ... ..consolidates such information into a central location with limited protection from potential hackers ... ..then tells the consumer if they wish to try to protect such data they will need to be paid {$240.00} / annum. Some would view such a scheme extortion. 
Thank you I hope you come to view this foolishness similarly.

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 2022-09-02
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: Their investigation did not fix an error on your report

Complaint:
i submitted a dispute to Experian due to inaccurate information being reported on my credit report instead of deleting the inaccurate information being reported they deleted accounts other than what i disputed

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 2019-04-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Wells Fargo debt is not my responsibility. Wells Fargo is not honoring a divorce decree which separated that debt from me to my now ex-wife. The decree was made by Judge XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XX/XX/2015. I supplied Wells Fargo with a copy of this decree. When I called them regarding this debt and asked why they still have me listed on this debt ( I wasnt notified of an appeal to the decree ), the conversation ended with sue us! I am a XXXX  XXXX  without resources to file a lawsuit against 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 2018-10-15
Company: Experian Information Solutions Inc.
State: NC
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:
Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.

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 2022-09-02
Company: PNC Bank N.A.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I've written to PNC several times on this loan. This loan was created under fraud years ago under a business that no longer exist, but I've been always scared not to pay to min due to credit effects. I have a good credit score and would not want to jeopardize it. 
I have contacted via phone, letter to PNC and they can not come up with a copy of the loan agreement. 
Why should I continue to pay them? There is no proof on record and I continue to get statements. 
I'm looking for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital one inquires are on credit file unauthorized. Company failed to comply to FCRA Guidelines. Made several attempts to resolved issues with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022 after attempting to access Equifax credit report on the myEQUIFAX website, the system redirected me to call EQUIFAX at XXXX  ( XXXX ) EQUIFAX with a system error NH EQUIFAX stated that there was no history of me every having any credit or active account and/or history and that the error code NH states internally that there is credit NO HISTORY My entire 22+ year credit profile has gone missing, shortly after filing a complaint with CFPB on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Vitek Real Estate Industries Group, Inc.
State: CA
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:
In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted Vitek Morgage Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.

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 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Since 2020, I have not received a statement of account. I have paid the note and the balance has not gone down. I have contacted the company numerous times to no avail. The fees and interest rate are outrageous. I feel this loan is predatory.

Company response to consumer: Closed with explanation