BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: Great American Finance Co
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have XXXX cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. 
I had the opportunity to combine my credit card and each attempt was denied I did asked the customer representative if I qualified and was told several time that I was, these events are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I have a Neiman Marcus store credit card, which I believe is provided by Capital One. I enrolled in on-line statements. I have a personal shopper who occasionally orders items for me to be shipped to my home, by my request. I requested my shopper to purchase a couple clothing items for me, but they were on back order. A month or so later, the order processed and the charge was posted to my credit card account. I had completely forgotten about the order and did not access my credit card account over this period as I had not shopped at the store and was n't expecting any charges. Over this period of time I did not receive any courtesy notices that a charge had gone unnoticed or unpaid on my account. On XXXX XXXX, I received my quarterly credit monitoring report and saw that Neiman Marcus credit card had posted derogatory information about me as a late payer. I immediately logged into my NM account and saw that there was a charge that was past due. I paid the balance immediately. I was shocked that derogatory information was posted to my account without them at least once trying to contact me to remind me of the balance. AFTER that information was posted, I received ( XXXX days later after my credit monitoring report ) a past due balance reminder. At this point the damage was done. My credit score went from high XXXX 's down XXXX points. I have no other derogatory information on my credit history - nothing. I wrote to the NM credit department ( as they do not take - or apparently make - calls ). I sent them a copy of my credit report to show them that they were dealing with a person of high credit standing. They sent me a proforma letter saying they would not reverse the derogatory information. I later called customer service and closed my credit card account and they did not even ask me why. They closed it in about XXXX seconds. I refuse to let this go without them removing the derogatory information and changing their collection practices to include a reminder before submitting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have XXXX accts that are not mine someone has used my information to open these accts even used different ss numbers with these accts I do not have any acct with capital one that is mine. these accts are fraudulent and opened using my stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit card
Issue: Delinquent account

Complaint:
When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account as per the bank 's promotion offer in their website. 
After fulfilling the requirements, bank is not honoring the bonus saying the offer was n't applied correctly or it had expired when I used it. 

I actually have the copy of their promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: FC HoldCo LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me. 
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduce my interest rate after 12 months of on time payments. This would cost me {$4000.00} to get back in their good graces. This may be legal, but it is still wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capitol One claimed to have sent IRS a XXXX for a ten year old debt that I own them, the IRS contacted me saying that I owe them about XXXX and some because Capital One sent them a XXXX saying I owed this amount of money, and kelp the owed amount in the Credit agency even after I paid the amount to IRS. I call to get a copy of this XXXX about three times or more, and never received it. This been going on for about two years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I have been a cardholder for 16 years. The initial terms included a XXXX/mo membership fee. Over the years, I have asked if they can remove the fee. They have said not at this time, we have no offers for you. Keep checking. Today, XXXX/XXXX/16 I got a supervisor who said the same thing. I asked since I 've been a long standing customer if she can change the terms. No, there would have to be an option to upgrade on my account. I asked her to check the file if there have ever been opportunities that I missed. She said no there have n't been. I said then I should just close the account. She said check with a financial person on how closing a long term account will affect my credit rating. So, now I am held hostage to this account. Over the years, it 's been {$960.00} in fees. If I close it, it will lower my credit score. It 's not right. The supervisor said there is no one above her who can make an accommodation. Only option is to write a letter through the post to the general correspondence department and ask them to change my terms. No phone number, no name. The terms were agreed to when I opened the account 16 years ago and they can not make a change. I would close the account, except that I know it will affect my excellent credit rating. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: Byrider Franchising, LLC
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Experian and the Creditors XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature

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 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was contacted by XXXX XXXX XXXX saying they were a collection agency and that my credit card was over XXXX days past due. I said that I always paid my bills on time and had just sent in a huge payment because I received my tax return. This credit card was not opened by me. I have never seen it, used it, nor signed for it. The address and phone number associated with the card was not familiar to me nor were they a part of my history. These were XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The man I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) said that they called that number on XXXX and the person who answered said wrong number when they asked for me, XXXX XXXX. The ID for my case at XXXX XXXX XXXX is XXXX. I have placed freezes with all three credit bureaus. I also have filed a police report. My police report number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased ( 4 ) {$500.00} Visa Gift cards from XXXX on XX/XX/XXXX. I have not received the cards as of today, XX/XX/XXXX. I opened an investigation with XXXX/Blackhawk Network and was informed that the cards were registered in someone else 's name and were completely used. 

I received letters in the mail stating that Blackhawk did not find the transactions to be fraudulent and are denying my claim. 

I 've neither received the gift cards I ordered nearly 2 months ago nor have I received a refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
On XXXX XXXX, 2016 i went to XXXX to load XXXX dollars cash on my american express serve prepaid card. The money never posted to my account. I have spent countless hours since that day on the phone with amex serve customer service. To no avail. They keep giving me the same runaround. They say they ate investigating the problem. As a result i wasnt able to pay my car insurance resulting in a cancelled policy. Also resulting in my vehicle registration being suspended due to no insurance. Ive gotten no definitive answer as to wen my money will be available.

Company response to consumer: Closed with monetary relief