BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no response or proof of the Wage Garnishment from the company in the response and the complaint was closed incorrectly. This is getting ridiculous that this copany can lie and say they filed a wage garnishment for a debt that is beyond the statute of limitations and take money illegally and you are not helping. 

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 explanation
Consumer complaint received 2015-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 marked me as 60 days late when I called them and paid off the past due amount that was charged to me for an annual fee. They assured me they would take the late payment off since it was an error but my credit score dropped XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed this information and submitted a police report as well as evidenced by the attached. 
Equifax continues to report accounts that are not mine ( XXXX & XXXX ) and an inquiry I did not make. It has been long per their attached status update and nothing has been done. This willful non-compliance is causing me difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.

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 2017-03-21
Company: Collins & Hilton Asset Group, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Here is the deal ... I do n't owe a debt collector as this issue is with Collins Asset Group and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to XXXX credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Despite paying off my balance in ful l, Macy 's  has charged a {$2.00} " minimum interest fee '' to my account every single month. In  XXXX , I got fed up and initiated a complaint with a  Macy 's repres entative,  XXXX . Within that communication,  XXXX  confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in  XXXX   ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only  one imp acted by this and I encourage others to submit complaints as well.

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 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXX XXXX central standard time and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXX XXXX  central standard time and discovered that EXPERIAN at XXXX XXXX XXXX in XXXX, TX placed a fraud alert on my credit report without my consent.

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 2016-05-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Near the beginning of XXXX of this year I setup my Barclay 's XXXX XXXX XXXX account to have the minimum payment due drafted from my bank account at XXXX XXXX XXXX XXXX on the payment due date in XXXX. 

I forgot I had setup the auto draft and paid the minimum due on XXXX XXXX. On XXXX XXXX Barclay 's drafted my bank account for the minimum due resulting in the payment being rejected due to lack of funds in the account. I was in the process of changing banks and had very little in the XXXX account. When I saw the charge for the returned item by my credit union, I immediately went to Barclay 's website and cancelled the automatic draft. On the XXXX of XXXX, I receive a confirmation email stating that Barclay 's has canceled all future auto drafts. On XXXX XXXX, Barclay 's submits another draft to my credit union for the minimum due resulting in another rejection fee by my credit union. 

When I called Barclay 's for an explanation and for an refund of the overdraft fees, they tell me that because the first draft was rejected due to insufficient funds they submitted it again. Even though I was informed by Barclay 's that no future repeat drafts would take place. 

Barclay 's representative told me they have right to resubmit the request for payment. I asked about the email stating all future drafts would be stopped. The draft made on the third did n't count because it was still scheduled and even though all future drafts are cancelled, they still had to submit the draft as scheduled. 

I think I should have all of my bank insufficient fund fees reimbursed for the following reasons. 

1. On XXXX XXXX, I paid the minimum due. The auto draft was established to pay the minimum. The minimum due by the time the auto draft was to take place was XXXX 2. I received an email from Barclay 's stating all future auto drafts would be cancelled. The next draft that took place happened at a future date after being informed all future drafts had been canceled. 

3. When asked, the Barclay 's representative could n't tell me where in the credit card 's documentation it explained the process they use once a payment is rejected due to lack of funds. My question is, if the representative does n't know where in the account documentation the process is stated how am I supposed to know about it.

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 2021-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 was denied XXXX XXXX for my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Orion Portfolio Services, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed a credit card debt with XXXX XXXX which was charged off and placed on my credit reports as a bad debt. The owner of the Debt is now Orion Portfolio services LLC in Georgia. Orion works with a third party collection agency XXXX. I sent a letter via email to XXXX to Mr. XXXX XXXX, a supervisor, on what I was requesting to settle the debt. I requested all information associated with this debt to be removed 10 calendar days after my payment and if they accepted these terms to send a letter on their letter head. I received a email back indicating Orion agreed to my terms accept sending the letter on their letter head. On XX/XX/XXXX I made the payment with a Mr XXXX who indicating he would be sending the information to Orion as a one off to get this removed from my credit report. On XXXX XXXX, XXXX XXXX XXXX placed a bad debt on all my credit reports for the same company ( XXXX XXXX  ). Not being aware of XXXX I reported them as Fraud. I have since found out they work for Orion. I have made repeated calls to Orion, they refuse to let me speak with a supervisor or a manager. I have spoken to XXXX who indicated they sent the information to Orion on XX/XX/12. I spoke to XXXX who indicated they have not received payment. The 10 calendar days have expired and the original charge off is still on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I've been applying to Credit Karma Pre-Approved offers for loans and credit cards. The approval rate they have is nothing like advertised. It only continues to lower my credit score when I apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion and used my consumer law that's it illegal & demanded to remove off my credit report and they refuse so now I'm taking this matter to XXXX  & Attorney General. I have 18 unauthorized inquiries listed on my credit report from Transunion

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-12-19
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Bull City Financial Solutions ( a third party collection agency ) has obtained information that may be mine through XXXX without my consent or knowledge and it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, XXXX a Cybercrime was committed against two of my Wells Fargo accounts where {$25000.00} was transferred from my Savings Account without my knowledge, consent, awareness, or participation. The illegal transfer was put into my checking account which resulted in a {$24000.00} withdrawal. The withdrawal was only possible because of the illegal transfer by an criminal outside source that has hacked into my computer. No financial information was ever disclosed to them at anytime. 
I notified Wells Fargo when I discovered the thief and filed a claim. After 30 days, they denied the claim and took no responsibility for their accounts being illegally hacked by an unauthorized outside criminal. 
They also failed to notify me of the transfer which was an " oddity '' and had never happened before in my 23 years of banking with Wells Fargo. 
I filed a FBI Complaint and notified the XXXX XXXX Police Department. 

I have attached copies of the FBI Complaint and the disclosure to Wells Fargo of the crime which allowed their secure accounts to be accessed without the account holder 's consent or knowledge..

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 2020-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA Bank is reporting two accounts under my previous name that are both a result of identity theft. i originally notified the company almost 4 years ago of these fraudulent accounts but still nothing has been done. I have sent this information in time and time again. I once again am including my court orders and police report.

Company response to consumer: Closed with explanation