BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX i applied for a capitol one card with a XXXX savings on a purchase if approved through XXXX XXXX XXXX in XXXX AZ. The purchase price was XXXX dollars for a XXXX XXXX survival rifle. I was denied. I beleive my credit score to be XXXX. I have a capitol one credit card presently with a credit limit of XXXX dollars. I have had this card for twenty years. I don't beleive i have ever been late with a payment and the bill is payed in full on receipt of the bill. In the twenty years of having this card i have bought several homes. I have bought many new cars and motorcycles. I have bought two new UTVs. I haven't been turned down for anything i have attempted to purchase. I have recently cancelled a couple of credit cards over disputes. I feel i am very responsible financially. Did capitol one deny me for my responsibility? Because i dont carry a balance and pay no interest? Or because they didnt want to give me the XXXX dollar incentive? Or simply because i already have a capitol one credit card? Whatever the reason i feel they have soiled my credit for no legitimate reason. This occured while living at my winter residence at XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NY
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:
1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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 2017-06-23
Company: Navient Solutions, LLC.
State: FM
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account on my credit report states : Date opened XX/XX/XXXX - Acc # XXXX  I spoke with XXXX business office, I was advised to strictly pay XXXX online then they would call across the street to have the obligation fee waived, I did exactly as advised. The total amount of the class was {$390.00}. ( PAID ) the total amount with the collection fee {$500.00}. I withdrew from the class on XX/XX/XXXX, I was charged for the full class amount XXXX because I withdrew a few hours past the deadline of XXXX, I withdrew at XXXX. I was unaware of the XXXX  deadline. The bill from XXXX was mailed onXX/XX/XXXX Attached receipt to XXXX  online was on XX/XX/XXXX to prevent going to collections. Then General Revenues mailed the letter of collection 4 days later. I have attached all receipts of payments. No balance owed, I even paid the collection fee trying everything I could to have them please remove collection 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 2022-09-06
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card was declined at two different stores of the same company : XXXX XXXX, 2022. The amount was {$60.00}. I have been a customer of this company using this account for almost 55 years with no trouble. 

When I contacted the company they said they would verify my identity, but could not tell me how they would do it. They said they would send me something to help verify my identity, but would not tell me what they would send or how they would send it. 

The company has been billing me monthly for almost 60 years but the bills stopped coming after XX/XX/2022.

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 2017-06-23
Company: American Credit Acceptance, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Around XX/XX/XXXX, I received a call American Credit Acceptance at my work station. I could not talk at the time so I returned the call. They were calling me stating I was past due on my account. My due date is on the XXXX of every month. When talking with the representative, I told her that I received a bill for over 1,100 and at the end of the bill, it said ... your regular payment is due XX/XX/XXXX. Well, I was at the end of my loan and did n't realize it. The representative argued with me stating they did not send me this bill but was stating that I still owed XXXX. I said well why would I owe XXXX. I then said its because you sent that bill and I paid my regular monthly payment. The representative was not helpful so I requested a supervisor. the supervisor was alright. I believe her name was XXXX. I explained the situation to her and she suggested a loan modification which would break down the remaining balance over three payments. She emailed me the paperwork. I filled it out the same day and faxed it back. They received the paperwork onXX/XX/XXXX. To date, they have not processed the paperwork and I was still receiving calls in referencing to account being past due : XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX and the XXXX. I called back several times and was told an exclusion would be placed on my account while they reviewed the request. Again, I received more calls and again told they have not processed the paperwork. They told me it takes 24 to 48 hours. I have spoke with at least three supervisors and this matter still is not handled. How does someone go from paying XXXX a month to paying over 1,100 because it is the end of the loan. I knew the last payment would be a little more but not three times the amount. Everytime I call they tell me how late I am on the account. I do not understand. I have kept my loan in good standing for five years now and at the end they want to report it badly. whenever I had an issue I communicated and made arrangements so as not to be in poor standing with the loan. No one is trying to help me and I do n't understand. Is this some sick game where they default the loan at the end. For what reason, they are being unreasonable and will not give me an explanation. Please help. I need to know what I should be doing. I am sorry, I do not have this kind of money laying around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a car loan from American Honda Finance wish they report to the 3 credit bureau I have miss a payment for the month off XXXX.I made my payments on time since we open the account.I mail the 3 credit bureau the documents I received from Honda off my payments.They still have me on my report with the false miss payment from XXXXMy credit went from high XXXX score to lower XXXX score I never miss or been late off payments in my credit history. I need you to look in my matter seriously and help me.I would hire a lawyer for this matter if you recommend me.I wont let this affect my excellent credit I have and kept. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital one says i Had an acct that had been written off this has been showing on my credit report but I have never opened an acct with capital one I never recieved or used their credit card I have. No credit cards and I dont want capital one or any other credit cards from. That company someone used my identity and I want to report this as fraud and take this off my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: AZ
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter 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. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAINE & WEINER COMPANY, INC.
State: DE
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:
This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates opens multiple accounts keeping old accounts active in attempt to collect debt past the statute of limitations. Friday I received 1 call, Monday I received 1 call, Today, I received 2 calls from Portfolio Recovery even after they said that they ceased communications after there investigations due to my previous complaint of illegal activity within their business practices. But there is a portfolio recovery agent on the other end of each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went into to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX on XX/XX/XXXX I went in desperate to buy a truck to start working as a XXXX  XXXX. I had not been able to work and maintain my XXXX XXXX since I had a XXXX in XXXX and have been unable to work since then but because I am broke and was sick I was unable to reason properly against the XXXX of being able to work at at age XXXX. 

I Just had an emergency XXXX XXXX due to XXXX XXXX or XXXX XXXX XXXX which XXXX XXXX to the XXXX this XXXX was on or about XX/XX/XXXX and I was in no way physically, mentally and financially capable to take on a 72 month commitment. This XXXX took place early this year but the symptoms of XXXX   XXXX  such as XXXX and XXXX was plaguing me during this purchase It was obvious that I was not competent to enter into this contract and here is the evidence My credit is very bad, so bad that I was denied credit from every place else I went to obtain credit and I just had another truck repossession about a year earlier. 

My total income is only XXXX XXXX dollars a month and that is what the payment turned out to be. I was told that the payment was about XXXX XXXX XXXX dollars a month but it turned out to be about double. 

These clues to the dealership should have prevented me from being able to put my self at risk but I put XXXX XXXX down and that was a for them temptation to take advantage of me. 

XXXX XXXX dollars was not even ten percent of the purchase prices so it was a high risk loan and should have never been granted to a man in my condition. 


This was unfair lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been sent numerous emails from credit karma saying I am pre-approved for a credit card but when I apply I am denied and there are hard inquiries from the credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My student loans are affecting my Credit score on two credit reporting websites including XXXX and Transunion. On XXXX XXXX I was pre approved for a credit card by XXXX XXXX and denied due to my scores reflecting my school student loans that should be removed

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 2017-09-06
Company: EQUIFAX, INC.
State: FL
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:
Well I never lived in XXXX florida I 've live at XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XXXX to year XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and XXXX continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Was not notified of investigation status or results

Complaint:
I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX  {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: CITIBANK, N.A.
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:
In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.

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 2019-08-06
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: Was not notified of investigation status or results

Complaint:
I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.

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 2019-03-24
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they send me a statement of my called bill? and they DIDNT send me a HIPPA release form that I approved of and that is illegal of them to do .I demand they delete that debt out of my credit report from all 3 credit bearus from XXXX , XXXX , and XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018, financing a new car. Done it several times before, it's a familiar if detail-intensive and at times exasperating process. Just need to go through all the steps, right? 
WRONG! There's a new step I'd never imagined : EQUIFAX. After their massive security breach A YEAR AGO I activated a security freeze. Now I need to unfreeze it temporarily. No big deal, right? But today, a Saturday, the weekend day when more cars are sold than any other day, it was IMPOSSIBLE to lift the EQUIFAX credit freeze. Their website DOES NOT WORK. Not a new problem! A year after their data breach and they STILL CAN'T GET THEIR WEBSITE TO WORK! How much is this hurting the auto industry? 
Why can't the Trump Admin DO SOMETHING like SHUTTER EQUIFAX? ( rhetorical ) I'm so mad I can't see straight. The deal it's took weeks to find will be gone by Monday. And EQUIFAX is the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I been a Synchrony bank credit card customer since 2013, when I first obtained a Walmart credit card. From that date forward, I have acquired several other credit cards which I have maintain in good standing and made every single payments on the timely bases. The issue at hand is the fact that several of those credit which are financed by synchrony bank are being locked and in turn I am prompt with messages to contact customer service which I have in order to gain access .Which is a problem since verification and security checks are always done with the phone numbers that are saved on the profile. Furthermore, there is never a need to contact personnel directly nor there is a need to provide their personnel with sensitive information. However, I have experienced such questionable practice with Synchrony bank at least three times on at least two retail credit card account. Now, while the JC penney credit card account was prompt with a number to contact customer service. On the XXXX XXXX  account I was completely block from gaining access at all.

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