BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
My ex-wife opened a credit card in my name with XXXX XXXX without my knowledge. The account went to collections and a judgement was awarded in XXXX County WV XX/XX/XXXX. The account was paid XX/XX/XXXX but a release of the judgement has not been sent to the court. The account was transferred from XXXX to Capitol One Bank before it was paid and I am told Capitol One is responsible for the release. They gave a lawyer a letter stating the debt paid however they have not submitted the proper paperwork to release the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: BARCLAYS BANK DELAWARE
State: SC
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:
Barclay Bank Delaware Juniper Credit card has adversely reported ( 30 days ) late payments for the entire year of XXXX, XXXX partial XXXX and ( XXXX ) month in XXXX. I can provide bank statements refuting any late payments for the entire year for XXXX, XXXX, XXXX and XXXX. The account was in fact set up on automatic draft payments. I paid off the account in earlier part of XXXX. I noticed a 17 point drop in my credit score when no changes, late payments or new accounts opened have been made on my end. Only after requesting my credit report I have identified that Barclay Bank Delaware Juniper credit card had reported receiving late payments of 30 days in the years listed above. I have contacted Barclay after paying and closing the account in full XXXX. I was ensured that everything was paid and properly closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently disputed late reporting on my credit file with Capital One Auto and asked them to address several late reportings. Capital One provided me with statements/proof for some the late disputes. They failed to provide me with Inaccurate late reporting for XX/XX/XXXX and XX/XX/XXXX. I will wait on this information from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: MI
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 Information on my report has been sent without my consent, by law most things on my report should not be on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was mugged on XX/XX/2020, resulting in my wallet and phone being stolen and my bank accounts being cleared out. I was able to recover most of the funds with help from the police, who also arrested a suspect. However, Chase Bank refused to refund the cash the perpetrator took out of my bank account via ATM because I couldn't prove I was not the one to take out the money. I had the police file a warrant for the ATM footage, and have circled back several times over the past year and a half and have not made any progress and am still missing over {$6000.00}. Police report is attached, along with outline of some charges and identity theft report I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: BARCLAYS BANK DELAWARE
State: TX
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 the Internet, I saw a website where I could apply for a XXXX credit card. I filled out the application. I received a letter asking for my driver 's license and social security card or other identification. I sent a copy of my license and social security card, but he said that the back side of my social security card didn't show up weIl, and asked for a copy of my 1040 the first page, which has my wife 's social security number as well as mine. I sent a copy to Application for Miles and More Credit Card, XXXX XXXX. XXXX XXXX, XXXX, Delaware XXXX. I have not heard back. When I checked with XXXX online for progress on my credit card application, it informed me that there was no record of my application. I don't have a copy of the letter he sent me, or phone number.

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 2017-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My account information is showing incorrect to the credit reporting agencies, it shows a duplicate past due payment that was already listed in XXXX for 30days past due for a XXXX payment. XXXX 30 day was listed on all 3 credit bureaus XXXX, XXXX, XXXX. since then it has showed back on my report like a recent 30 day past due and this is incorrect as i have made a payment in XXXX and now in XXXX, this has already reported and should be showing as currently behind and is not. I am very upset about this matter as is causing issues now to my credit and have also lossed additional points to my credit that since XX/XX/XXXX with the one 30day past payment i got back. Why am i getting hit again? This account was also closed by the grantors request and i am actively making payments to finish this account off in final.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my 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 2022-07-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i talked to XXXX XXXX  at wellsffargo dispute department and he is dishonest and changing his statements over the phone over 5 times and he refused to transfer me to his manager and finally i told him i am taping recording his calll and he agreed to transfer me to the dispute manager at wellsfargo and he name is I talked to XXXX  Id number XXXX and they both do not resolve my sipte at all i filled it over 3 month and they are careless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: AL
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 disputed and called to remove this accounts that I had no knowledge of and that are still on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express called my husband on XXXX XXXX XX/XX/XXXX / XXXX XXXX. They called my brother in-law XXXX XX/XX/XXXX ) multiple times to discuss my past due amount. They told my brother in-law an my husband ( who is not on this account and we're separated ) that they are trying to find me in order to collect debt. They were not authorized to discuss this with anyone but me. They did not attempt to contact me before they called them. I do not have any emails / voicemails or missed calls from them. 
This happen multiple times. Even after I made my payment. I reached out to them multiple time and complained about them discussing this issue with strangers. On XX/XX/XXXX I spoke to 4 different people on the on-line chat about this. No resolution. I told them on-line, in writing, that I want to file a complain. A week later they called my husband again. hem multiple times and told them on their on-line chat not to contact anyone by me. They did not attempt to call my cell / home or email. They directly called the people listed above. This happen multiple times after I spoke to them and told them not to do it. On XX/XX/XXXX they called my husband again, without trying to contact me first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: FL
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 was offered an XXXX XXXX XXXX by XXXX bank in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXXXXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
All of my credit cards with Chase were closed on XX/XX/2020. They mentioned that my revolving credit suddenly increased, but this was because I went on a XXXX vacation with my husband. 

They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a combined annual income of {$280000.00} with my husband, and we're XXXX years old working for major companies. As a young adult, I was surprised, as I have never had a late payment. We have many times more assets needed to pay any sort of credit card bill. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Before XXXX I was an uninsured unemployed XXXX in need of emergency medical care so I went to XXXX XXXX ( Indiana ) hospital XXXX. Resultant in a medical bill that is with collection agency named Miramed Revenue Group ( XXXX ) in amount {$910.00}. I would like an opportunity to settle this so it can be removed from my credit, please. This company has many reviews that complain about its lack of Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Credit determination

Complaint:
I would like to dispute the reporting on my credit report for account number XXXX with Capital One in XXXX XXXX XXXX, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following three months for the fee as well as additional, incurred interest on the outstanding balance. I continued to contact the creditor with the same request every month that I received a statement. They reluctantly granted my request after numerous contacts and issued an email to my address. I no longer have this email because it was sent over 24 months in the past and I also have not received any more statements since the creditor agreed to meet my request. 

I would also like to remove the reporting in regards to account number XXXX. I received a bill in the mail from the collection agency XXXX XXXX located in XXXX, IN. I am not really sure of the address that I gave the provider of the medical visitation. I was living with a significant other at the time of the treatment while transitioning residences. My driver 's license was not up to date at this time as well. I did receive a bill from the collection agency within a few years later. The bill was paid as indicated in the reporting, but because of the derogatory status, I would like for this account that was satisfied in full to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This veh was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/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 2020-03-13
Company: MoneyLion Inc.
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to this company XXXX of XXXX no one ever contacted me. The amount never changed that was owed even though I paid on the loan from XX/XX/XXXX to XX/XX/XXXX. I even made extra payments. When I try to file a complaint to their website and upload documents it wont allow me submit all my bank statements for the amounts I paid for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/2016, XX/XX/2016, and XX/XX/2016 I filed disputes with Capital One Bank. 
This is the dispute I sent to Capital One Bank. " First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One Bank never responded to my dispute or honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank is another creditor that has harassed me and intentionally marred my credit for years ; and for unclear reasons. I paid off the XXXX XXXX account and not only did they fail to close the card, they continued to allege I had a XXXX dollar balance and put a charge-off on my credit. This is the same bank that alleged I owed the XXXX dollars and put a lien on my home causing a divorce and physical injuries to myself and my children as we were literally entrapped in a sick home and unable to sell until they became cooperative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: National Collection Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
CALLED EMPLOYER AND TOLD THAT I OWED BAD DEBT TO THEM AND THAT THEY WOULD CALL BACK LATER WHEN I WAS BACK IN THE OFFICE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXI 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 a account without my written instructions

Company response to consumer: Closed with explanation