BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Commonwealth finance posted a debt on my credit report in the amount of {$59.00}, stating that it was opened XX/XX/2018. I have received no correspondence in regards to that dept in order to confirm and pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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:
Capital One has many problems, they rebill or make " purchase '' adjustment with notification and surreptiously make posting without notifying. 

In addition you can not contact by email as they do not have this or chat like other credit cards XXXX XXXX and others. 

XX/XX/2021 CApital One made a " purchase adjustment charge of {$28.00}. 
I want to know what is this for and in future they tell me in notification and adjustment write me letter explaining any purchase adjustments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
Company: Direct Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company Direct Recovery services calls once or twice a month or more and the caller ID SHOWS one number and then the voicemail they leaves says to call another number then I do call that number its not an active number. I have tried to ask them What is the name of the company that they are calling from, and I get a repeated response. Then they leave a detail message describing a debt but they use lingo like I have a file for this name the voice mail is public, I have never got a verification of debt and I have no idea what debt their even referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We moved into a new house back inXX/XX/2017 and decided to use XXXX as our cable provider. Little did we know we could not obtain a clear signal where we live. XXXX  knowing that we had low signal which caused issues throughout allowed us to sign a 2 year contract with them. They did not tell us that we had low signal. As the guy finished up connecting everything there was no signal. He informed us that we would need to give it 30-45 minutes before everything synced up and would work appropriately. This obviously did not happen. we called XXXX customer service and notified them of our problem they said it would be a week and a half before anybody could come out. This royally upset us. So we waited and they came out and tried to trouble shoot it and said there was a problem with service box they would need to send higher tech out here to diagnose and fix problem. so we waited for that. We finally had a picture almost 3 weeks later. All was great for about 1 week then the signal loss started happening. We again called them and they sent somebody out a week later to try and diagnose the problem they said everything looked good. So finally we went on continuing for about 2 and half weeks later with our signal dropping randomly. We were disappointed at this time with XXXX Finally after further troubleshooting they found out that the spot our sat in is like a whole how they described it for bad signal. So we told them ok, How are we going to make this right? Their reply " you can continue services since you get signal most of the time, or you can pay the cancellation fee of {$350.00}. '' We were shocked hearing this. We fought with them talking with supervisor after supervisor about what has happened. We informed them that we do not believe we should have to pay a cancellation fee. They said because their were some data usages we would have to. End result- we cancelled services immediately This was about 5 months into signing the contract. After discussing with XXXX they said they would review our account and signal loss and let us know if any fees would be owed. From then on I never received an itemized bill from XXXX. Later on discovering they were sending them to my fathers address 6 hours away due to us having the same name. Causing them to call and ask questions on what's going on. This is how we found out they were sending them to him. We then received a letter from XXXX notifying us that our account has been sent to collections and that we owe the following {$950.00}

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 explanation
Consumer complaint received 2020-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A charge was placed on my account wrongly for {$97.00}, from a transaction through XXXX. This transaction was on XX/XX/2020. I alerted XXXX and my bank Capital One on this charge. After I contacted my financial institution. My bank filed a dispute on my behalf on XX/XX/2020. After going back and forth month after month. Capital One, resolution was to apply a temporary credit to my account on XX/XX/2020 for {$97.00}. This was then reversed on XXXX XXXX. I've reached back out to the bank and spoke to a representative requesting for this charge to be re-investigated. After multiple attempts, requesting answers to why and where this charge derived from. It was brought to my attention that an adult bike was purchased through XXXX for {$97.00} and was delivered successfully in my mailbox. I mentioned on multiple calls that I don't know the recipient, nor I didn't make the purchase. In addition, it is impossible that a bike can be delivered in my ( mailbox ). My last call on XX/XX/XXXX, I called customer service to dispute their credit reversal, again. This is when I requested to speak to a supervisor and after this conversation felt that Capital One has no attention of trying to help me or listen to my concerns. Furthermore, I feel discriminated against and still in the process of trying to resolve this matter. As an additional credit reversal has been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I recently received a letter from Lowe 's stating that my account with them was closed. I would like to report their unfair practices towards XXXX XXXX  card holders. I didn't owe them any money and my card was in good standing. I paid this account off in XXXX or XXXX.The closed my account in XXXX. Damaging my credit score/rating.If you investigate you will find that they have implemented this practice only on their minority card holders.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-12-17
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for the AMEX EveryDay Credit Card on XX/XX/2018 via the AMEX website. AMEX approved my application instantly ( within seconds/minutes ). AMEX granted a credit limit of approximately {$24000.00}, with a balance transfer limit of {$5000.00}. My complaint pertains to the {$5000.00} balance transfer limit. The card offer terms did not clearly disclose or list any specific limitations on the balance transfer limit. I applied for this card to take advantage of the 0 percent APR on balance transfers and {$0.00} balance transfer fee. I would not have applied for the AMEX card had I know about the 20 percent balance transfer limit. However, AMEX disclosed the eligible balance transfer amount after I submitted my application. 

The offer disclosure makes reference to " eligible balance transfer amount '' and explains that this amount will be based on your credit worthiness and other factors including your history with AMEX. However, the disclosure also says, " .... you may not request a balance transfer amount less than {$100.00} .... and the total balance transfer request must not exceed your credit limit. '' A reasonable person would not interpret that to mean your eligible balance transfer amount may be as low as 20 percent of your credit limit. 

I believe this omission satisfies the three UDAAP prongs : ( 1 ) The act or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation is reasonable under the circumstances ; ( 3 ) The misleading act or practice is material.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXX XXXX ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX  failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXX XXXX  ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXX XXXX ( XXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX  refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX  is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX  is following through on the Court Order?

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
bank of america close my account without any reason

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 2018-12-17
Company: Firstsource Business Process Services, LLC
State: PA
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:
XXXX XXXX XXXX XXXX billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to XXXX, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/XXXX, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/XXXX to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
This week XXXX removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - XXXX, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also LEXIS NEXIS stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a 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 2018-10-01
Company: Experian Information Solutions 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:
Experian in their dispute process, is by all accounts lying about verification processes in order to continue reporting for profit. Their refusal to investigate because they had already investigated an items, isn't with merit, when creditable evidence exist that the reporting is wrong, I furnished that creditable evidence and they still ignored its. 

Recently it was found that some person or entity was using an old address of the consumer, and applying for a credit card from XXXX XXXX, and XXXX XXXX, which utilized a Experian report, and ultimately Experian reported the item to my credit, which is subjected to an investigation, upon which it was noted that the social security number of XXXX wasn't this consumers social security number. 

Now in reference to the reported Bankruptcy reported on this consumers credit report, from XX/XX/2014, the credit reporting agency stated that it was verified as belonging to this consumer, while XXXX stated it wasn't and in addition to this additional information, their isn't any manner of verification that they can stand on that it doesn't belong to XXXX, other than this consumer, because all they have is the last four in their reporting.

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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recieved an offer for {$200.00} cahsback after spending {$500.00} within the first 90 days of opening an account. I spent the {$500.00} before the 90 days and then called the CaptialOne to inquire about the cash back reward. I was told that this account did not have a cash back associated with it. I then asked to have this issue looked into. XXXX business days later a Capital One rewards representative called back and told me that after the application process Capital One made a counter offer on the application which did not incluide a cash back rewards but rather modified APR terms. I then told tem I would payoff the card and cancel it. I was never advised in obvious communication that the credit cards terms had changed. I feel this was improper advertising and done not in good faith. When an offer is made and then accepted the deal is over but what Capital One is trying to do is modify their terms aferwards and I am not talking about the credit card terms but the reward terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation