BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report from XXXX XXXX, and XXXX  that a debt of {$1400.00} was owed to XXXX XXXX XXXX, XXXX. Due to past due date it had been assigned to the collection agency Phoenix Financial Services. The date the collection was opened according to my credit reporting agencies is XXXX, XXXX XXXX. From information I could find this is a medical collections agency. However I have not received any medical services outside of the state of Kentucky in the past 5 years. I also have KY XXXX which pays all medical bills and services. I never received a bill from this company or a summary of services. I have disputed against all three credit reporting agencies ( some multiple times ) to which XXXX  removed collection but it is still showing on my other two affecting my score. I then proceeded to file a complaint XXXX XXXX XXXX of Florida ( from my searching this is where the original company is located ) on XX/XX/2021 they reached out to the company on XX/XX/2021 and XX/XX/2021 to which they received no response and closed the case on XX/XX/2021. I contacted the attorney state general of Florida via electronic dispute on XX/XX/2021. I have tried to contact the original creditor and the collections agency on multiple occasions with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIBANK, N.A.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About 20 years ago I purchased a small notebook from Best Buy. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with Best Buy and their pit bull debt collectors from XXXX XXXX, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone number XXXX XXXX XXXX XXXX XXXX called me attempting to collect a debt. They did not want to provide basic information about their company. I knew instantly they were fraudulent and hung up on me countless times for questioning their legitimacy. Diversified Adjustment Services needs to be stopped. The company harasses and calls multiple times a day. This company is not legit and clearly a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of Identity Theft back in 2016. An account was opened under my name, XXXX, and XXXX with XXXX XXXX XXXX I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing XXXX  XXXX XXXX to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.

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 2017-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Capital one approved a pre-authorization of a loan, had to pay {$400.00} for appraisal, this has been done twice once XX/XX/XXXX, and XX/XX/XXXX. Both times refinancing seemed duable, only to find out I got denied again by capital one. They did n't approve a modification nor a refinance. I do not not where to go from here being that my note was sold to capital one from a lender that was predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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 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 an 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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Hi good day, please help me to resolvemy problem. I'm using my Paypal Account since XXXX and then one day they send an email that's say 's " You can no longer do business with PayPal ( Ref ID - XXXX ) '' on XXXX XXXX Paypal is the only way that I know to get the payment of my customers. I begging you please help me thank you and godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here 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 explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
My wife, XXXX XXXX, has been told numerous times by Capitol One representatives that her annual fee can be waived if she calls in by a certain date and requests such. This has been done numerous times over the past few years. This time she called in and spoke to an escalation specialist who told her that this would not be possible, despite what she had been told by previous representatives. XXXX asked that this person speak to her husband, XXXX XXXX. The escalation specialist refused to speak to XXXX, stating that XXXX would need to perform some disclosure that he never actually requested. When asked what would be required, he refused to say, even after XXXX requested the disclosure. He absolutely refused to continue the process. When asked to speak to a manager he stated that there was no one higher up in the company that we could talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: U.S. BANCORP
State: NM
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: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for Crosslands of  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and Elan Financial Accounts. As, of XXXX XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. Elan, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.

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 2015-05-03
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Other

Complaint:
I purchased a Laptop from XXXX and at the time of purchase, XXXX had or still have financial options and Barclay visa card was the option so, I applied for the credit card, got approved but Barclay had a not interest if paid by certain date and now Barclay is charging me all the interest accrued from day one but, the balance from that particular purchase was way down and I feel Barclay should only charge interest for the remaining balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2022-05-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 Vioated My Rights.

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish a account without My Written Instrustions.

15 USC 1666b : A Creditor May Not Treat a Payment On A Credit Card Account under an open end consumer credit plan as late for any purpose.

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 2016-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, I have tried to resolve this with the bureaus and the bank, XXXX XXXX XXXX XXXX, and they either ignore me or try to push the problem to the other entity. 

What happened was that I opened an auto loan with XXXX XXXX right in the middle of COVID, and my account was never set up properly where I could link my normal bank account to the XXXX account to pay the bill. 

I couldn't go in and solve this problem because it was during the middle of Covid. At the time, everything was on lockdown, so I didn't have any funds in the account, and online, no way actually worked for my bank, XXXX, to link to XXXX for a bank to bank transfer. 

Therefore, they registered that I had missed two payments and was severely delinquent on my account. 

The lender I worked with never reached out to me to resolve the issue when I couldn't link my accounts with theirs to pay the bill when the bank branches were closed during covid, and the online website didn't work. 

I'm not asking for anything out of line or impossible to achieve ; I have even paid more than my fair share to the bank ahead of schedule in an attempt for them to correct their report. 

I am only asking for the false, derogatory marks to be removed. I think this is pretty understandable considering both parties are to blame and that I have already made up for the payments and added more. 

As far as other people are thinking about looking to get a loan with XXXX, I know they have lower rates, but they really have to work on their back end where they don't trash people 's credit if there is an error. 

I also do not appreciate the fact that I have called them multiple times and made efforts to reach their manager, and they either put me off or tried to push the problem on the bureaus or someone else instead of helping their customer. 

Hopefully, this helps resolve this issue and that something good can come from my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I have several Kohl 's cash I have been trying to use because they expire on XXXX/XXXX/2016 ; XXXX/XXXX/2016 ; XXXX/XXXX/2016. 

I have been billed on my Kohl 's Capital One credit card {$9.00} for order # XXXX ; another {$9.00} for order # XXXX ; and yet another {$24.00} for order # XXXX. I received an email from Kohl 's representative XXXX XXXX XXXX stating " XXXX, I have verified that your order was cancelled due to information mismatch ''. Consequently, we re-entered the information correctly so there was no " mismatch ''. Still ca n't get the order processed before the Kohl 's cash expires. Very frustrating. Have over {$100.00} of Kohl 's cash that needs to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX 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 an 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 2016-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I got a loan with Wells Fargo Financial. In XXXX I received a modification fthe, from them. I fell behind again in XXXX. They sent me a letter in XXXX of XXXX stating I need to pay {$11000.00} to bring the account current. I sent them that that amount in XXXX XXXX XXXX ( {$11000.00} ). In XXXX of XXXX I receiv another letter stating I owed an additional {$5500.00}. They told me that they forgot to add something in. I told them I had no more money to give th them. I had never missed a payment, and they could not explain to me where the additional {$5500.00} came from. 
I had no other choice but to go to XXXX. They brought my account up to date for {$22000.00}. I still do not where this amount came from. 
The account then sold to Wells Fargo Home Mortgage and I started to get calls asking me for an additional {$19000.00}. I have been trying to refi my house and when the escrow company gets a demand, it shows I owe the additional amount of the {$19000.00}. 
I finally got a representative to get my account to their corporate office. 
I received a letter from a XXXX XXXX stating that amount was interest from my modification in XXXX. ( Wells Fargo Corporate office ) If my account was brought completely up to date in XXXX by XXXX, how can I still owe from XXXX? 
I have worked on this for over two years and have not got anywhere. 
I have lost the opportunity to refinance several times. No one is able to help me. I need a resolution.

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