BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 have 2 charge off accounts with Capital One. They threatened to take me to court and had me served papers. I was served papers the day after my father unexpectedly died putting an extreme hardship on me at a low point in my life. I decided to accept a payment plan with the attorneys office of XXXX and XXXX, XXXX in XXXX, CO to pay off both debts owed on both these accounts. They are both in good standing and being paid as agreed. There should be no reason for Capital One to report my accounts negatively to the credit bureaus. I am trying to improve my credit and have been successful in doing so until this negative response to my dispute abruptly stopped that momentum! My husband and I are trying to buy our family a newer home and this is delaying our chances of pursuing our goal. My XXXX score went down drastically from XXXX to XXXX after my dispute reporting my accounts with them were being paid as agreed. Before this dispute Capital One was not reporting either of these accounts with past due status! I feel I am being discriminated against!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Other

Complaint:
Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX statement, charged XXXX  and the next day attempted a bank transfer for XXXX. Due to a delay from the bank, it didnt go through. The very next day I transferred the XXXX and they charged me a fee. There was no email or notification of the fee. My monthly autopay was more than enough to pay minimum and the XXXX but they did NOT apply it. I was then hit with late fee and my rate tripled. American Express specifically hid this fee to cause a late payment so they could justify the rate increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX and XXXX I accidentally paid my JetBlue XXXXXXXXCard twice from my XXXX XXXX XXXX account. {$10000.00} was paid twice. I caught the issue in early XXXX and called immediately. Customer servicetold me they would try and cancel the second payment. I called again in mid-XXXX  and I was told that the request had not been processed and that they would issue a check I called again in early XXXX to inquire about the check and I was told I was under investigation. On XX/XX/XXXX They issued a formal letter which I havent closed asking for another 45 days to deal with my issue. What are my rights? This seems illegal that I should be sitting now for 2 1/2 months with a negative balance and money owed to me. Based on their request for another 45 days they will have had 10,000 of my hard earned dollars for over four months

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 2021-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
USAA, ( henceforth known as financial institution, ) issued clear title to the vehicle. 

They then caused my car to be repossessed by sending XXXX XXXX XXXX, claiming to be an Agent, to collect it. This was the subject of a civil action I filed. The court issued a judgment against the party claiming to be an Agent, declaring the vehicle to be wrongfully obtained. Further compounding the wrongful actions, the Financial Institution has sold the stolen property. This can only have happened as the result of further fraudulent action as clear title was issued to me with no lienholder. 

Theyre now reporting debt still owed despite having never proven the debt when requested by counsel and with no accounting of dollar amounts owed or vehicle appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One is fraudulently working with a company called XXXX, causing interest and unwanted harassment and meaningless wastes in the universe. They must be stopped! XXXX They refused to speak with me when I informed them I was recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020, I received acknowledgement of the closure of a West Elm-branded Credit card from Comenity Bank ( account number ending in XXXX ). The current balance of the card, according to the letter, was - {$1000.00}. This was the second of 2 credit cards my husband and I had closed with West Elm after purchasing a {$6000.00} couch from them. We opted to take  advantage of special pricing when purchasing the couch if we opened credit cards with them to finance the couch. We payed off the credit card shortly after purchasing the couch. Due to a malfunction in the couch, West Elm offered us a {$1000.00} credit for the portion of the couch that was not working correctly. We asked that they make that out to us in a check as we were closing out the credit card. Shortly after that, they opened a new credit card account and put a charge of {$1000.00} on the account and started sending us bills. We did not request this new credit card account. I have asked for evidence of the opening documents for it and am being denied access to them ( which I am sure means they don't exist which is a violation of the FCRA ). This account was opened fraudulently and I would like to see it closed, all evidence of it removed from my credit report and all balances XXXX out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under XXXX, which after many phone calls, I found out it was XXXX. I called them and was told I would have to call Equifax, which I did and then was told XXXX should be helping me. Being somewhat frustrated, I talked to a fraud expert at XXXX who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under. 

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

15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXX XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}

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 2022-05-13
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other

Complaint:
I received a response from Citibank a couple of weeks ago ( Case number : XXXX ). I do not agree with the information in the response as it relates to the new card being activated. I have not activated that card and I left a voicemail for XXXX at Citibank that the card is not activated and will not be activated until I heard from Citibank. I want to know the date, time and how the card was activated. The only time I have been on the Citibank Website is to pay my bill so I am not late and this should not activate a card. I also have a concern for identity theft since during my initial call on XX/XX/XXXX that I have been told is not documented that I gave the person who I spoke to my full social security number. I also have a concern that 5 days after I rec 'd my new card in XXXX via XXXX that I also rec 'd a card in the mail with the same number - would this card have been activated if someone would have tried to use it? I do not have confidence in the security at Citibank for the Costco Visa.

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 2020-04-19
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 belongs to someone else

Complaint:
ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that XXXX  The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.XXXX XXXX, 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 2022-05-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 Midland  Credit  XXXX bought my debt of {$400.00} from XXXX XXXX. Both Midland Credit XXXX XXXX XXXX XXXX have violated multiple federal consumer protection laws. 

1. 15 USC 1681B - Midland Credit XXXX reported this information without the consent of the consumer. Which is XXXX XXXX, who is me the consumer, natural person, and the original creditor. 

2. 15 USC 1681 [ A ] [ 2 ] [ B ] - Midland Credit XXXX furnished a report that was created from my social security card which is a credit card pursuant to the definition 15 USC 1602 ( l ). 

3. 15 USC 1692J Midland Credit XXXX furnished a deceptive account on my consumer report. Trying to make me believe I owe a debt. 

Both Midland Credit XXXX and XXXX XXXX are committing aggravated Identity Theft. Pursuant to 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 

I demand that Midland Credit XXXX cease communication with me about this debt in all mediums including through my consumer report or I will be force to pursue litigation expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, 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 have sent numerous of letters, the dates XX/XX/2019 with tracking number XXXX, disputing an account with Equifax, original creditor being XXXX XXXX. Equifax has failed to provide me with any physical verification of any such account ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions 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:
This account doesn't belong to 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 non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-05-13
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Paypal Holdings, Inc
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: Investigation took more than 30 days

Complaint:
I am a victim of Identity theft. I contacted all XXXX bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the XXXX office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies XXXX xs and have not gotten any relief or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
While in college I joined the XXXX in XX/XX/XXXX. I spent six years in the XXXX before enlisting in the XXXX XX/XX/XXXX. Prior to me enlisting in the XX/XX/XXXX I applied for a Sears credit card in XXXX. After during some research on SCRA and reading the blogs, I decided to apply for my Servicemembers Civil Relief Act benefits with Citibank through their Military Response Unit. I faxed my Department of Defense Manpower Data Center certification which shows my XXXX start date and my LES. On XX/XX/XXXX, I received a notification from Citibank stating I was ineligible to receive those benefits because my account was opened after my XXXX service. I did not understand the denial letter so I call the Citibank Military Response Unit. After speaking with a customer service rep from Citibank Military Response Unit, he stated that Citibank used the date on my LES to make their determination for my eligibility for SCRA not date from my DDMDC. I tried to explain the customer service rep that date on my LES is the date I joined the XXXX not the date I enlisted on XXXX. The customer rep stated that I can resubmit my documents but he does n't think I will get approve. On XX/XX/XXXX, I resubmitted my documents to the Military Response Unit to include my enlistment contact when I joined the XXXX in XXXX and my enlistment contract when I joined XXXX XXXX to show the difference in the dates and my DDMC verification. I was notified on XX/XX/XXXX I was denied again of my SCRA benefits. 
I believe I am entitled to SCRA credit card benefits from Citibank due to the fact I opened by account prior to my XXXX service. According to 10 U.S.C. 101 ( d ) ( 1 ) the term ''active duty '' means full-time duty in the active military service of the United States . I started my full time service on XX/XX/XXXX. 
Any assistance you can provide with helping me to receive my SCRA benefits from Citibank will be greatly appreciated. I have include my enlistment contracts to show the difference between XXXX time and reserve time, my SCRA certificate and the notification from Citibank.

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