BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I submitted request for my statements from XX/XX/XXXX to current to Kohls. This company only has 3 statement months available online, when you do paperless. I submitted on XX/XX/XXXX to their msg center, they asked me 2nd time to tell them what statements I needed, even though I had already submitted that on XX/XX/XXXX - XXXX sent them same answer on XX/XX/XXXX. Response would be they would be mailed in several weeks. on XX/XX/XXXX I again msgd them and was told to call customer service. Called a XXXX @ XXXX @ XXXX and she said she was escalating this to get me my documents. ref # XXXX. Called again on XX/XX/XXXX, as I had heard nothing on this. Spoke to XXXX @ XXXX, who sent me to a supposedly supervisor XXXX, left XXXX to get call back asap. As of yet on XX/XX/XXXX @ XXXX, I have gotten no call back, no response. I have a deposition court date against my Ex on XX/XX/XXXX and my lawyer was requesting all bills that were not paid by him according to divorce decree from XX/XX/XXXX. This is very important, and they are not willing to cooperate at all. I was told they would not email, would only mail information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Garcadia Financial LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have still yet to see Foursight Capital fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agency regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Kriya Capital, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX of 2022 regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$250.00}. The letter stated if I wanted to dispute the claim, I needed to submit a request to them before XX/XX/2022. I sent an email to XXXX on XX/XX/XXXX disputing the claim. I received acknowledgement of my email on XX/XX/XXXX. I received no further communication from Credence or XXXX XXXX XXXX. 
On XX/XX/XXXX I received an updated credit report from my bank stating my credit scorXXXX had dropped XXXX points due to an outstanding unpaid debt. Upon checking the action was filed by XXXX on behalf of XXXX XXXX XXXX. I contacted XXXX who acknowledged receiving my email disputing the claim in XXXX and they stated to me " they failed to follow up with me ''. I explained my negative credit report and they told me they would correct it by somehow saying " the debt was in dispute ''. I asked they reverse their action on my credit and was told they again would mark my account " in dispute ''. 
I want my credit report adjusted and my credit score returned to it's previous score. 
Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: MS
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 verified with the courts that they do not verify my bankruptcy with the credit bureau. I sent a certified letter to the credit bureau requesting that it be removed and they have refused to remove it. I provided documentation from the courts stating they do not verify with anyone. This is a violation of FCRA and is hurting me from obtaining loans or renting an apartment.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted multiple disputes including asking for method of verification on 2 XXXX and XXXX accounts they are reporting in error. Ive asked for supporting documents if they claim the account is verified. I called today on XXXX/XXXX/XXXX and spoke to a supervisor named XXXX XXXX. She stated they dont have ID numbers. I explained that they did not send any supporting documentation. She stated that they wont supply any physical documentation and that I have to request it myself. Basically all of my rights under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) are in violation. She proceeded to tell me that they dispute electronically so in actuality they did not verify these accounts properly. They refuse to send me any documentation. I would love to hear what they would have to say so that I can add it to my overwhelming documentation against their company

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 2022-03-08
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:
XX/XX/2022 I mailed Equifax a letter with a copy of my state ID asking them to send me documentation on 4 inaccurate accounts being reported on my report. When I disputed them, they were verified by Equifax as valid. It is now XX/XX/2022 and I have not received ANY correspondence. These accounts are inaccurate and are defaming my character and I would like them removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this debt don't belong to me XXXX have other people name on my credit 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 explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NY
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:
There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EQUIFAX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX has caused severe stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am NOT late on my mortgage, and always make my payments within the grace period, yet Seterus calls repeatedly to " collect a debt '', telling me my mortgage is " in jeopardy ''. I have told them in the past, that unless and until my payment is late, these calls to " collect a debt '' are harassment and I will file a complaint. Today is the XXXX of the month ( XXXX/XXXX/XXXX ). I have received two phone calls today ( interrupting a business meeting! ). The first call ( XXXX ) I could not answer and it went to voice mail ( they did not leave a message ). The second call came two hours later ( XXXX ). When I asked who it was, the representative said " this is an attempt to collect a debt '' and needs to speak to me about " my mortgage balance ''. She said my mortgage is " in jeopardy ''. I explained to her that my payment is n't late, it is n't due until the XXXX. She said " the system automatically makes calls after the XXXX of the month ''. I told her unless and until my payment is late, do not call me to " collect the balance '' or tell me that my " mortgage is in jeopardy ''. There is absolutely no reason to " collect the balance '', nor is there any justification to state and/or imply that an account is " in jeopardy '' on a mortgage that is paid timely.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: NJ
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/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit 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 explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: NJ
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/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XXXX XXXX bankruptcy )

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO TRANSUNION AND XXXX AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.

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 2022-03-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called XXXX  and asked for a deferment and job loss assistance promised to work until my settlement came in. Called on XXXX told me they didnt break the laws they have called me 6 times a day since missed payment and being asked to desist. They sent my stuff to collections and told me they werent subjected to the the credit laws or this organization. Never called back and hit my credit with undue interest and late fees against the U.S.C laws for debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX/XXXX/XXXX my account was overdrawn while I was very ill. I hadnt noticed this until XXXX when I replenished my account and also out of the hospital. I can not afford the overdraft fee and while I tried to explain my circumstances to a phone banker, she refused to take my illness as an excuse. I fully understand US Banks overdraft policy, however I believe {$36.00} is extremely egregious. Overdraft fees effect low income individuals the most, so such an expensive fee is very taxing on individuals at that income level. I dont think its fair that such a high fee can be assessed, without any room for budging for difficult life circumstances. To US Bank : life happens to everyday people, and to profit so greedily when your customers are literally in the most financially difficult time ( and in my case, most difficult medical time ) is both upsetting and deeply difficult to handle. I can not afford these fees, you are profitting tremendously, and your lack of human compassion is extremely troubling.

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 2017-11-06
Company: EQUIFAX, INC.
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:
I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single inquiry on the report except for XXXX and XXXX XXXXXXXX auto are not his.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00}

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 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
We had subscribed online to XXXX who provided a tool to draw diagrams. The subscription ran thru XX/XX/XXXX, and would be automatically renewed if we did not cancel. However we did cancel, and we have an email from XXXX sent on XX/XX/XXXX at XXXX XXXX acknowledging the cancellation. 
However, they claim that the cancellation would take effect not now, but on XX/XX/2022 and billed us {$580.00} and that the charge would be non-refundable. 
We disputed the charge with Capital One. Initially, they gave us a temporary credit. Upon receipt of letter from XXXX that 'no cancellation ' per policy was received. 
This is false and considering that we did provide Capital One with the cancellation acknowledgment dated XX/XX/XXXX, Capital One should have removed this charge permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
At the time Equifax had discovered they 'd been hacked on XXXX XXXX, XXXX, they allowed my personal information to be taken and several months had already gone by. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports and accounts on a weekly bases. 
I have been in contact with Equifax and I have a conformation number witch helps them monitor my account, so they say. I now have to sit and wait to see what happens? It 's now going to be a pain just to open a new credit card or any thing else. I 'm sure it 's just a matter of time before my accounts start getting hit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( CXXXX XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I was working with consultants to help me grow my businesses. These individuals gave my business cards to other individuals who were trying to use my credit to travel and make purchases without my consent. I tried logging in to my account a couple of months ago and my personal credit card was closed. 

When I called to inquire about this, I was told that all my chase credit cards were closed, including personal and business.

Company response to consumer: Closed with explanation