BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Bankruptcy

Complaint:
The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: MD
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:
I have been having a hard time getting in contact with anyone from XXXX XXXX in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received a notice of this account in XXXX. I mailed a debt validation letter and never received a response. Instead this account was added to my credit report. I filed a complaint and the issue was not resolved so I filed a dispute with the credit bureaus. As a result the account was deleted on XX/XX/XXXX (  proof attached ). Two days later the account was added back to my credit report after deletion XXXX proof attached ). On XX/XX/XXXX, I reached out to TransUnion and spoke with a rep and supervisor who told me that I have to wait until an investigation, that has nothing to do with this account, is complete before I can see the account removed. I already have a report dated XX/XX/XXXX showing the account removed! But no one could provide and explanation of how it was added back 2 days later. Even if it 's showing under another collection agency ( which it is not ) that still would not have allowed me time to request debt validation. This is a direct violation of my rights, and if this account is not removed ASAP, I will be seeking legal consultation to see how I can be compensated for the distress your company has caused me.

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 2015-06-29
Company: Fairway Capital Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Capital One 360 closed an ATM dispute not in my favor, and insists on charging me XXXX dollars that I did not actually receive from the ATM. When Capital One responded to my dispute, they failed to provide me with documentation, instead only sending a message saying the owner of the ATM had provided what they allege to be sufficient documentation. 

What is this, use ATM at your own risk, and risk being charged for money you do not receive? 

On XX/XX/XXXX I used an ATM, attempting to pull XXXX dollars ; however, only received XXXX dollars. I immediately that day called Capital One, who issued a provisional credit on XX/XX/XXXX, but then took it back on XX/XX/XXXX. 

I spoke today XX/XX/XXXX with XXXX, supervisor Id XXXX regarding this issue. She refused to reopen the dispute, refused to let me appeal the decision, and refused to let me speak to anyone higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I RECENTLY MOVED AND CHANGED ALL OF MY CREDIT CARD BILLS TO MY CURRENT ADDRESS ( USING AN ACTUAL REVERSE SIDE OF BILL TO UPDATE ADDRESS. CAPITAL ONE HOWEVER DID NOT RECOGNIZE THE CHANGE AND SENT THE BILL TO MY OLD ADDRESS. MY BILL WAS LATE AND THEY PLACED A NEGATIVE MONTH ON MY CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I loss my son back in XX/XX/XXXX. I have tried working with Kohls and they just closed my account on me even after I spoke with someone on the phone and let them know what was going on. So I mailed a letter on XXXX/XXXX/2015 asking that the phone calls stop and I get up to XXXX calls a day that I can prove if needed I will get a copy of my phone bill. The number call from ( XXXX ) XXXX ( XXXX ) XXXX I know for a fact once a company has received notice not tocontact by law they can not call you by phone anymore. I 'm getting these calls everyday. I want it to stop. I know they received my letter because on XX/XX/XXXX telling me to call the XXXX number to set some type of payment plan. I feel that they have violated my rights and thinking about looking into what my rights with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since XX/XX/2020 my bank, Citibank has done a combination of the following actions in the span of XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) times : XXXX or denied use of my XXXX Debit/ATM card after routine transactions made by self or on behalf of self XXXX or Denied use of my XXXX Debit/ATM card in XXXX XXXX XXXX XXXXXXXX XXXX XXXX  '', on my device referred to as " XXXX XXXX '' after routine transactions made by self or on behalf of self Failed to deny use of my XXXX Debit/ATM card physically and/or through XXXX XXXX XXXX XXXX after non-routine transactions by self or others Any of the above mentioned resulting in waits of greater than XXXX XXXX XXXX XXXX XXXX XXXX 
Denied verification options and/or failure to establish verification tools Made false claims as to the status of my card and/or account or other false statements regarding the use contractual agreement between myself and the bank.

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 2021-03-15
Company: ACIMA CREDIT, LLC
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX 2014 I purchased a new XXXX from a local dealership in XXXX. My downpayment in cash was over 50 % of the total vehicle cost and the dealership financed the balance over 3 years with Huntington National Bank with whom I had never previously done business. My credit rating is very high and I provided proof of more-than-adequate private insurance coverage on the new vehicle. Since I wished to pay off the loan earlier than 3 years I would often send 2 or 3 payments in one check with the accompanying tear-off coupons from the book sent me by Huntington. The final coupon instructed me to call for a pay-off amount, which I did. Since the pay-off amount quoted was somewhat higher than I expected since I had paid off the loan 11 months early, I queried this. I stated that I had never been mailed any sort of statement by Huntington as to how my payments had been applied, how they arrived at the pay-off amount, etc. I was told that the pay-off quoted included a {$40.00} insurance premium for what turned out to be a forced insurance situation that would have covered Huntington had my insurance been cancelled during the life of the loan ( it had not and remains in full force and effect ) or if my car had been totaled ( and presumably Huntington would not get sufficient settlement to pay off the loan balance ) - the car has never been in an accident. I contended I should not be forced to pay this but paid 'under protest ' and then filed a complaint with the OCC , having first tried to resolve the issue over the phone with Huntington 's corporate office - to no avail. Filing the OCC complaint got me a brief phone call from the same corporate woman I had already spoken with previously and a follow-up letter enclosing certain copies - one of which purported to be the print-out of all the payments I had made through the 2 years 1 month. However, the print-out not only only covered the last 11 months of the loan ( the first 13 months were missing ) but it merely showed the monthly amount reflected on each coupon and the date each payment was due - not, as had actually happened, the actual amounts of the various checks I had sent to Huntington. I would be very glad to hear from all Huntington auto loan customers who have experienced the same issue as I always believe there is strength in numbers. Not only that but, quite by chance, a car salesman at the dealership where I had purchased the vehicle told me ( when I called to complain to them, too, about this matter ) that he had been charged at point of pay-off on his car loan and that he had complained and ultimately ( after 5 or 6 months ) Huntington had sent him a refund check in the mail for a little more than the amount he complained he had overpaid. Of course, it might be that since he worked for a car dealership that hawks Huntington auto loans, whereas I do not, that he got preferential treatment - I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: APR or interest rate

Complaint:
I maintain several credit card accounts with Capital One. On my XXXX Business Credit Card, they apparently have the option to charge a XXXX XXXX of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! 

Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! 

I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. 

It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. 

This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
Accounts were remove from my credit report which were active accounts paid in full and currently making car payment. Each time i call regarding this error I'm transferred numerous of time. XXXX XXXX XXXX XXXX XXXX State the never stop reporting payments. Accounts were removed from my credit report in error and never put back. Calls have been placed several times with no success. I have followed the steps as advised.

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 2015-05-13
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2015, I purchased a starter XXXX Netspend prepaid card at a local XXXX grocery stores. I added {$96.00} as a starter value and paid a {$1.00} fee. 

Upon trying to activate the card, I was getting an error. After XXXX hours on the phone and being lied to by various agents at the Netspend company, I finally was told that due to " suspected fraud '' the account has been shut down and I would be getting a refund check within a week. No further information was given besides multiple calls. 

It is now XXXX XXXX and I still do not have my refund ... .or a refund of the activation fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
I am disputing unfair and deceptive credit bureau reporting information against creditor Capital One. I had settled in full my charged off credit card account with a debt a collector called XXXX XXXX XXXX on XXXX/XXXX/XXXX. The manager at XXXX assurred me that once my account was paid the information would be provided to Capital One at which time the account would also reflect the same type of reporting to the credit reporting agencies. Since I settled this account in full, Capital One has been reporting incorrect information about this account to XXXX, XXXX and XXXX. I disputed this account with all XXXX of the credit reporting agencies, requested a FULL DELETION and achieved absolutely no results, no help and no explanation whatsoever on why the incorrect information should remain the same. I then receive a letter from Capital One dated XXXX/XXXX/XXXX acknowledging my disputes however the information the credit bureaus provided to Capital One may not have contained all the information to fully understand my dispute so they requested I send supporting documentation. I cooperated and sent over all supporting documentation to Capital one. I called Capital One last week Wednesday XXXX/XXXX/XXXX to follow up on my dispute and confirm that they are reporting an incorrect Balance of {$320.00} still being owed on the account when it should be XXXX. I then advised that my account shows an incorrect past due amount of {$320.00} which was is also NOT CORRECT. I advised the rep they need to stop reporting the incorrect account info because they are violatng the FCRA. The representative at Capital One refused, was very unhelpful, unprofessional and did not provide me with any proof or support to justify their incorrect reporting to the credit bureaus. I advised her that I would be filing a complaint to the CPFB because I am done wasting my time filing disputes with the credit bureaus and done trying to prove they are reporting bogus information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I chatted with a rep by the name of XXXX earlier this evening, XXXX, regarding a payment plan set up prior with another rep. I agreed to pay an amount of XXXX, my last payment made on account ending in XXXX. Additional payments due include XXXX by XXXX, XXXX by XXXX. These payments have been scheduled. However, as XXXX informed me, late payment fees are not waived as part of the payment plan. I did not inquire about over limit fees, however, I believe these should also be waived. I understand the account is past due and over limit, however adding late fees and or over limit fees do not help in the matter.

Company response to consumer: Closed with explanation