BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
About a month ago I called Capital One to increase my credit line. My credit card has a credit limit of {$2700.00}. I wanted the amount to be increased to {$3000.00}. I called and asked the representative if I get a credit increase will this be a soft hit on my credit or hard? Since I have been with Capital One is it possible to receive an increase on my credit card. The representative tried to increase the credit and I was denied. He then told me that I could apply for another card. I did not want another credit card at the time I just wanted an increase. I did apply for the credit card and was approved for a credit limit of {$3000.00}. I have 2 concerns with this issue. The first is that I only wanted the credit increase for {$250.00}. I was denied and this went on my credit. Then I had to apply for another card and was approved but the interest rate is 26.99 % which is ridiculous. I now have the second card in which I really did n't want but I am responsible for it now. The interest rate when applied to my card is {$60.00} in fees. If I pay {$30.00} a month which is what is asked by Capital One for this second card I am not even making a dent in the paying for the card. I would like the fees and APR lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BARCLAYS BANK DELAWARE
State: UT
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:
So there cutoff time for the payments on the due date is XXXX et on the due date they do n't care about anyone on the west coast i ended up paying my payment the same day its due but i work until XXXX et and by that time the payment is already considered late even though its always paid on the same day i am have been fighting with them for the last couple of years on this and they do n't seem to care several calls and emails to the corp offices and they could care less how could they mark a payment late when its still paid on the same day its due its not my fault the computers have a cut off time the point is its still paid on the same day. I talked to XXXX in the corporate offices today and he could care less about the sittuation and we are talking in Circles and that is the way it is. They need to make it later so people in the west coast have time to pay it this is a literal XXXX XXXX pacific time cut off how is this ever fair. And Barclays customer service is very very rude and they could care less about there customer s and whats going on I have made serveral complaints and this rude and arrogant XXXX who is part of there excutive team is the last straw and convice me to make a complaint. There customer service is the worst i htave ever seen and they all need an attitude adjustment especially the excutive offices. There cutoff time for payment s are unacceptable and should not be allowed.

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 2022-07-07
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: Account information incorrect

Complaint:
The information you provided is different from other bureaus. This account is reporting late, in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX Balance : {$8100.00} Date of Late Status : XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Dates of Late Status : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank bank says that my home depot card has not been getting payments when my bank says I have, they also say that I have to pay more because the promotional offer which I was Never told about ended. When I try to speak with them they call me a liar. 
They have now charged me an extra XXXX for this promotional offer ending. This bank is taking money from people unfairly.

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 2017-08-18
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for and received a XXXX XXXX XXXX Credit Card from Banco Popular Puerto Rico with an established credit limit. I paid the annual membership fee for the card. I was able to utilize the card for approximately one month without a problem. I tried utilizing the card for the purchase of XXXX tickets ( It is after all an XXXX XXXX XXXX Credit Card ) and the transaction was denied, with all payments being current. As soon as I received the first statement, the account was paid in full. However, I was told the account was under investigation and asked to submit a copy of my drivers licence water bill AND electric bill. I have never had to submit water and utility and driver license to a card issuer after the plastic has been issued to any other credit card. This seems like a scam to utilize private information The account seems still locked and another payment ( not yet billed ) for all outstanding purchases was made. I have tried calling the issuer on repeated occasions and asked to understand what the issue was and why the account has been blocked. The drivers license water bill and electric bill were submitted to the issuer more than two weeks ago. When contacted the issuer once again, the representative told me that the account was being investigated for no reason and further told me that they could not furnish the information to me about my account. When asked to talk to a supervisor, the representative XXXX XXXX told me that was not possible and that there was no way the bank would tell me what the situation was. However, thee bank was efficient in collecting the annual fee for membership. Once again, since no information has been provided, I question the integrity of the bank, the co branded airline, and the intentions with consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions 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:
I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don'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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}

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 non-monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERVICES is communicating with me ( such as furnishing information on my consumer report to consumer reporting agencies ) about an alleged debt that I refuse to pay pursuant to 15 U.S. Code 1692c ( c ). CREDIT COLLECTION SERVICES has violated my rights as a consumer under the CONSUMER CREDIT PROTECTION ACT. CREDIT COLLECTION SERVICES is furnishing deceptive information to consumer reporting agencies as well as using deceptive, abusive, unjust means to coerce the collection of an alleged debt that I DO NOT OWE. Debts are the obligations of the UNITED STATES XXXX NOT ME. CREDIT COLLECTION SERVICES furnished information to consumer reporting agencies WITHOUT MY CONSENT. 

I attached my CEASE & DESIST letter with this complaint and the return receipt as evidence that I contacted CREDIT COLLECTION SERVICES regarding this issue and that CREDIT COLLECTION SERVICES received my correspondence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I opened a new XXXX card with Bank of America and set up autopay. I paid my entire statement balance in advance so that I was paid in full and owed nothing. The autopay system debited my bank account for the entire statement balance a second time even though I had already paid.

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 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent several letters/disputes to Trans Union, XXXX, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : 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 2017-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted XXXX XXXX, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but XXXX XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. KOHLS/CAPONE Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my discharged bankruptcy

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 2017-08-18
Company: I.C. System, 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:
SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/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 2022-08-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened an account with Citi Bank. When I opened the account I was never sent the original debit card and account opening paper work. I had to have a replacement card overnight shipped to me. When the card arrived I had to log in online but when I did I had to use a different username then the previous one I had when I opened the account. I created the new username however when I tried to log into the account on my XXXX, the XXXX used my Face ID which was connected to the old password under an old username name. When this happened I called the bank on XX/XX/22 I believe to be the best date and they said that now I had to receive a letter with a reference number and then when I got the reference number I could call give them the number then my account would be unlocked. I was told the letter would take up to 10 business days. After that the letter did not come so I called the bank again on XX/XX/22 and they said all they could do was send another letter through the us post office and so I would just have to wait another 10 business days. It is now coming up on another ten business days and I still have not gotten a letter. On Monday XX/XX/22 when I called the bank and gave them all my identifying information, however when the conversation got to a certain point I was put on hold and then the person just hung up. I then called bank gave all the same identifying information to be told my account is under consideration for closure and the person told me they were hanging up on me. I have had three of my checks from work direct deposit into this account totaling XXXX dollars.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The information you provided is different from other bureaus. This account is reporting late, in my XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaintsXXXX  XXXX Balance : {$8100.00} Date of Late Status : XX/XX/XXXX - XX/XX/XXXX, XX/XX/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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, Transunion and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.

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