BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE THIEVING XXXX IN JAIL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Prepaid Ventures, LTD
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
DEAR REPRESENTATIVES, I am reporting a deception of 2 prepaid card banks that in the debit card contract do not show details of Limitations or restrictions that they have. 

After opening the account with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Member FDIC ) pursuant to a license from XXXX XXXX XXXX " XXXX XXXXXXXX XXXX '' and " XXXX '' are registered trademarks of XXXX XXXXXXXX XXXX. 

This card in the prepaid card contract and the consumer details the countries restricted for them and the services that are limited in certain countries. Neither in the debit card contract nor in the privacy policy do they state the countries with restriction of services or use. 

This caused me to lose time in my travel planning to the specific country that I wanted to travel to because I was going to use this debit card. I thought I could use this card in another country at the ATM to withdraw funds, after I have the card and review the contract and the privacy policies and everything they show on the website, I call customer service to perform the Travel alert and I find that they inform me that in the country where I am going they do not have access to ATM cash withdrawals, in this case the XXXX XXXX XXXX, XXXX. This detail is not written in the privacy policies or in the contract. Also there is not a single detail that says that there are limitations in different countries. 

Please I want to report this prepaid debit card bank because they are misleading customers and omitting information. 

Thank you, I hope for help and a prompt response from you please. other consumers need not to be deceived and be updated on this problem so that they do not make the same mistake as me and are not deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: AL
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:
I have contacted XXXX, XXXX and Experian about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.

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 2020-04-28
Company: EQUIFAX, INC.
State: IL
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 account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX-XXXX  Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date Opened0XX/XX/XXXX StatusAccount charged off. {$1800.00} written off. {$3800.00} past due as of XXXX XXXX. 
Status Updated0XX/XX/XXXX Balance {$3800.00} Balance Updated0XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1700.00} Highest Balance {$0.00} Terms26 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: January Technologies, Inc
State: MN
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:
I recently checked my credit report to find out i had a collection in my name. I called the number on the report. I was told that in XXXX of 2022 a credit card was opened in my name used and than no payments where made. I responded i didnt have a XXXX account and it wasn't me. I was told to report as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have made payment every month well over my minimum payment. I have Never missed a payment and I have never been late. I always make the payment on or around the same day every month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made my last payment on XX/XX/XXXX. Less than XXXX weeks later on the XXXX ( unknown to me ) American Express requests another payment. By the time I realized they were requesting a payment sooner than a month it was XX/XX/19 I was notified I was XXXX days late and my card was on hold. I was confused why I was XXXX days late on XX/XX/19 when I had made a payment beyond my minimum on XX/XX/19 exactly a month earlier. I called their customer service several times and messaged them on XXXX but I was never able to get an explanation why I would be considered late on the XXXX if I paid XXXX weeks earlier. To this date still no explanation. Seems like they are unfairly asking me to pay sooner than I pay every month. Again I pay the same day every month and I always pay well beyond the minimum payment. Please help this cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: CA
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:
Equifax is improperly keeping old accounts in my file after that were lawfully required to remove them by falsifying the records and changing some of the information in order to retain the records for an indefinite period of time. Equifax has knowingly and interntionally refuse to remove/purge the negative/derogatory accounts in my file after seven years as required by law. They have done this by knowingly and fraudulently altering both the status and the Status and/or Payment History on the account. They have done this in order to prolong the account in my file. I have file numerous challenges to their incorrect information and have contacted them by telephone. Also, I have attempted to dispute the information many times. Equifax makes it impossible to rectify the problem. The US Government needs to shut these criminals down and ban them from keeping records of United States Citizens and they should not be allowed to operate in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have account under business was opened sinceXX/XX/2016 but the bank closed and ate the fund and I am surprised when I called the bank today. I never got any letter about the account being closed and how the fund is being return. It is so scary

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 2021-06-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone got access to my personal information and its ruining my credit by applying multiple accounts I don't have knowledge of what or who this could be. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I had an auto car loan with Capital One Auto Finance. On XX/XX/XXXX a {$20.00} late fee was assessed. On XX/XX/XXXX, I paid {$110.00} partial payment. On XX/XX/XXXX, I traded in my XXXX XXXX XXXX to a dealership. The dealership sent Capital One Auto Finance a check to pay off my auto loan on XX/XX/XXXX. The check did not post until Friday, XX/XX/XXXX. On XX/XX/XXXX is when Capita One Auto posted the payment to my account. I was notified by email on Saturday XX/XX/XXXX after business hours that the account was paid in full. I tried calling Capital One Auto Finance to discuss waiving the {$20.00} late fee however, the service center was closed. The dealership advised me it would take 14 days for Capital One Auto to receive the payoff which would take me Monday, XX/XX/XXXX. On XX/XX/XXXX, I contacted Capital One Auto Finance at XXXX XXXX  to waive the late fee since the loan was paid off early. Capital One Auto is telling me since the loan was paid off, there is nothing they can do about the refunding the late fee. They are sending a {$34.00} overpayment but can not refund me the {$20.00} late fee? This is a finance company, they can do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS Servicing has XXXX on their staff who are tricking customers into revealing information and prying into the personal business of consumers and then assigning relationship managers who are overriding company communications such as covid deferrals to say they are foreclosing. The automated system states the deferral was approved whereas they are sending foreclosure letters and XXXX  dealing XXXX are destroying the American dream when people need time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My mortgage initiated with XXXX XXXX XXXX than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXXXXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or Experian are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition Experian also conducted another investigation on my credit report which was resolved by XXXX  and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and Experian refused to remove.

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 2017-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Applied  XXXX .   Opened  XXXX .   Got all paperwork  XXXX .   {$500.00} ACH from  XXXX  posted to WF XXXX   XXXX / XXXX / 17  no bonus triggered.   {$1.00} x  XXXX   XXXX  reload  (   XXXX / XXXX / 17  and  XXXX / XXXX /   17 )  posted  XXXX / XXXX / 17  no bonus triggered.   No bonus as of writing (  XXXX / XXXX / 17  ).   {$500.00} ACH from  XXXX  posted to  XXXX   XXXX / XXXX  /17  no bonus triggered.   Secured Message from Wells Fargo  XXXX / XXXX / 17  :  WF  XXXX  told me The {$250.00} credit will post after  XXXX / XXXX / 2017 .   No bonus as of writing (  XXXX / XXXX /   17 ).

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 2018-04-28
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a member of the XXXX and I believe recent action taken by Citi with regard to XXXX control is discriminating against law-abiding citizens like myself. Big Banks who have been bailed out by the taxpayers of America should not be setting policies that should be left to our lawmakers. I have been a customer of CITI for over 15 years and I'm very close to closing my account because of this action.

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 2020-09-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint was generated from numerous attempts to the problems with funds being transferred from the checking account and the violation of my rights as a customer. It is very disturbing to know I acted in good faith and was rerouted from the unprofessionalism and promises made due our conversation. It took months to supply me with a updated debt card and has caused negative issues to my credit report. Upon arrival of my new debit card reissued by the Citi bank it disclosed this card was used before and cant be activated. I would like to be compensated for the damage of my characteristics value. This is my demand for Remedy. Glory be thy name

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 2018-11-20
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: Account status incorrect

Complaint:
I lived in an XXXX XXXX XXXX XXXX  Apartment for 3 years. All 36 rental payments were submitted on time. After I moved out they submitted a disputed amount, without contacting me at my then-current address, to a collection agency. The matter has been resolved with the agency - which never reported the account to any credit bureau/agency and which processed this payment before a bill was mailed - however XXXX ( Corporate Address : XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  ) did not remove the disputed information from my Trans Union credit report. Instead they changed the status to Account paid in full ; was a Collection. The account should be reflected as closed onXX/XX/2018, the date closed is XX/XX/2018, instead it reflects an " Open Account '' status and a collection in XX/XX/2018. This one report from XXXX XXXX  has taken my credit score from XXXX ( high ) to XXXX ( current ) in less than 60 days. If my credit had not already been exceptional, this would be a devastating and highly punitive action. I hope that the reason that XXXX is not removing this information is not due to my complaints about toxic mold and a large hole in the ceiling during my move out inspection. I have now contacted attorneys about their failure to return my deposit, despite extensive pre-existing damage to the 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 2020-04-28
Company: Experian Information Solutions Inc.
State: IL
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 account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
XXXX XXXX XXXX {$3800.00} Paid, closed 47 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance Loan Amount {$3800.00} {$1700.00} Payment Info Status Charge-off Updated on XX/XX/XXXX Past due amount {$3800.00} Original loan amount {$1700.00} Monthly payment - Late payments XXXX  XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N XXXX N N N N N N N N N N N XXXX N N N N N N N N N N N N XXXX  N N N N N N N N N N N N XXXX 30 60 90 120 N N N N N N N N 120+ Days Late 30 Days Late 60 Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 26 Months  Company sold - Original creditor - Comments Affected by natural disaster Your statements - Contact XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2017-11-17
Company: Dealer Funding, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of XXXX and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for Dealer Funding LLC. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Untimely response