BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding Capital One credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX  and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX where I only lived for 3 months. They knew I moved to XXXX  and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to Capital One as well because this is very deceptive and crooked. XXXX XXXX XXXX is a third party hired by Capital One who behaves in a deceiptive manner to try to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As of XX/XX/2020 I received a letter from Capital One in request for a increase for my credit card. I have enclosed a copy of my letters from Capital One telling I was declined the increase. But the letter also states that the second page will explain in details for being declined the increase. But during reading the letter none of the reason for being Denied explains jack XXXXNone of it pertains to me being denied and it wasn't explained why! So I called Capital One and spoke with customer service questioning my account. I asked how long I had the account and was told 8mnths and I asked how many payments I made 7 with one late payment. So I asked to speak to a supervisor and so I was transferred to speak with XXXX who's a financial advisor that's located in XXXX Florida. So I asked him to explain this letter to me do to the fact it doesn't pertains to me at all but I'm told, I'm denied with no explanation at all. I was told by XXXX the reason for being denied is because in the eyes of Capital One I did not spend {$300.00} on my credit, which is only my spending limit. So I said, I need to max out my credit card for Capital One to decide how much they approve me for? He said it don't make a difference how much you spend it could be {$500.00} or {$600.00} in the eyes of Capital One you didn't spend {$300.00} dollars. I said thank you for answering my question so basically I need to max out my credit card to be consider. I said the point of having credit cards is showing financial reasonability by paying your bills on time not to max out my credit card and raise my utilization. I find this to be poor excuse for Capital One to deny my request for a {$2500.00} increase. It shouldn't matter how much I spend on my credit card. When he asked how much I spend I told him {$200.00} + that's when he told me I didn't spend {$300.00} of my limit on my credit card. I had this card for 8 months now I'm told I need to max out my card just to get an increase. This violates my right as an consumer to be told I have to max out my credit card. This not being financially responsible at all and this not explanation at all but a poor one. They sent me a XXXX letter with no explanation and expect me to eat this XXXX  and when asked the real reason I'm told that I didn't max out my credit enough to be approved. XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: GA
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've submitted dispute letters to XXXX, XXXX, Equifax and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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 2020-03-22
Company: Experian Information Solutions Inc.
State: SC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I went to XXXX County to civil court to obtain records of an unlawful detainer that is reporting on my Transunion report. They had no record of the detainer listed. This item is making it hard for me to obtain a house and the information reported is not truthful.

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 2016-08-26
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Other fee

Complaint:
I am being assessed a " returned check fee '' which makes no sense. I have never used a check with my credit card, in fact, I hate that they send them to me. It 's identity theft waiting to happen when credit card companies just issue out checks soliciting balance transfers. It 's just them trying to get more money out of consumers by charging them balance transfer fees and not caring that they are opening up opportunity after opportunity for someone to steal those checks. 
I have n't gone back through my and my wife 's accounts with Citi to make sure that there are not additional fees, but now I absolutely will. Who knows where they came up with assessing a random {$25.00} returned check fee - be it from an ID theft attempt to steal money or because they just thought I would n't notice if they put a fee on my account.

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 2020-03-22
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This report shall sever as the formal and last notice of my intention to file suit against Midland your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of  them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've submitted dispute letters to XXXX, Transunion, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Calvary portfolio attempted to sue me in the state of XXXX. They are garnishing my check. I was not notified until after they gatnished my check. I do not live nor own property in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Maximus Education, LLC dba Aidvantage
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 status incorrect

Complaint:
Inaccurate items reporting on my credit report and that is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank closed my credit card account before I got a chance to pay off with no interest due to a bad check. 

It would 've never been a bad check had they removed the direct deposit from an unused account ( old account closed due to fraud ). I was making payments of {$150.00} on time from an updated account. After i noticed the first attempt to take direct deposit from my closed account ( which I 've called multiple times to remove ), I called again to ask them to remove that direct deposit since I tried and was unable to do so online using their online portal. Btw, I work as a XXXX, so I 'm pretty sure it was a bug on their end. I removed the old direct deposit countless times manually and even over the phone. They decided to cancel my account even though I was making all my payments on time. Because of their incompetence of not removing my original direct deposit like I 've requested countless times, it resulted in a bounced check in which Citibank closed my credit card account. Now my credit is negatively affected. I cant make purchases ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called my credit card company ( Citibank/XX/XX/XXXXXX/XX/XXXXAAdvantage Executive Master Card ) to ask for a deferment due to the Corona Virus Emergency. I explained that I am an XXXX  XXXX  and that I needed help/assistance over the next 60-90 days reading payments. I escalated the call to two different managers and was told both times that their company had no  programs in place to assist me and my only option would be to close the account.

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 2022-08-31
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28
Company: Experian Information Solutions 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:
I have previously contacted Experian about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.

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 2022-03-28
Company: EQUIFAX, INC.
State: GA
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:
In Accordance with the Fair Credit Reporting Act : XXXX Bank Account # XXXX Has violated my rights. 
15 U.S.C 1681 Section 602 A States : I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: GA
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:
Credit report pulled without my permission of not knowing how severely these actions would affect my credit report. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written permission. 

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Company response to consumer: Closed with explanation