BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with rewards from credit card

Complaint:
Mon, XX/XX/XXXX at XXXX XXXX I had a Venture Capital Card and had accumulated XXXX rewards points on it. My membership fee was due on XX/XX/XXXX but I had not received any invoices or email and had not been using the card because of Covid19. I called today and found out Capital One had quietly cancelled my card and took away my XXXX points that is worth {$700.00}. The worst thing was the representative told me the company was doing me a favor since it paid the membership dues for me ( the dues is for XXXX XXXX to XX/XX/XXXX ) and saved my credit. Except that is just a blatant lie and theft because if my dues was " paid '' by Capital One, then why was my account closed and my XXXX points been taken away? It is a mere conspiracy to steal my points. I demand to have my XXXX points reinstated and I am willing to pay the {$95.00} membership fees to Capital One but Capital One refuse because {$700.00} is worth more than the {$95.00} which Capital One had never paid for me or else my account should be still open and my points would be still mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have spoke to XXXX XXXX from Credit Acceptance on a few occasions. I also spoke to a lawyer who represents them, yesterday and my account is still showing as past due when my car was already repossessed and sold at an auction in XX/XX/XXXX. The representative advised me they aren't doing anything with my account and don't plan on making any changes to my account/ I never received the date, time, and place for the auction, or a phone number you can call for more information about the sale. I've requested numerous times for a break down of all charges and amount car was sold at auction for back in XXXX of XXXX. I haven't received any updated info from XXXX XXXX and I received disdain when calling to the law firm who works with Credit Acceptance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
This is not ethical for this company to violate my rights especially when we was in a state of emergency dealing with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has called my home over the last 5 months, sometimes twice a day attempting to get a pay on my student loan. I pay my bill on the XXXX even though the bill is due on the XXXX. When the XXXX or each month comes the calls start again. I have never missed a payment in the 5 years I have been in repayment of the loan. I feel harassed and insulted even with documentation of each payment over the past years they claim that we have missed payments. We have been charged late fees each month. Our payments are always over the amount due and we are still harassed. They call claiming to opportunities and then later call to collect a payment that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am not able to connect my external bank account to the savings account, i emailed credit karma support on XX/XX/XXXX and they replied back within minutes but they have not resolved my issue and now they wont reply back to any other emails I send. I have funds in this account and need access to it, Ive suggested they send me a check for my funds but Ive got no reply back, we are in the middle of a pandemic and thats all the money i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is an update to a previous case filed with the CFPB, ( ( Case number : XXXX ) ). I previously disputed multiple collections on the aforementioned case and have since spoken with both XXXX and the original creditor XXXX XXXX XXXX XXXX. I am attaching proof from XXXX XXXX XXXX XXXX that these accounts were opened in a fraudulent manner and have subsequently been removed from my name for all financial responsibility herein. Please update your records accordingly and feel free to reach out to me with any additional questions or concerns you might have in order to help expedite this process. I can be reached at ( XXXX ) XXXX. 

XXXX XXXX Acct : XXXX Amount : {$6500.00} 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 2015-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My partner and I opened a joint checking account at Citizens bank responding to an offer of {$150.00} bonus for opening an account. This was mailed to me. See attached. To date, we have not received our bonus ( account was opened on XXXX XXXX, 2015 ). We had to call to report this and they asked us to scan in a copy of the original offer. We really should n't have to go to this much trouble. We have met all the requirements and we feel if we had n't complained it would have been forgotten. In light of the recent complaints against Citizens you would think they would do a better job at treating their customers better. To be fair, we are waiting to hear back from them. Customer service said it would take a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NY
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:
Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]. " ( E ) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph ( D ). i have the right to privacy 15 1681 604 consumer reporting agency can not furnish an account without my written intstructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: ARS National Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : ARS National Services Inc Account # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Ad Astra Recovery Services 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: Their investigation did not fix an error on your report

Complaint:
This collection agency is reporting a same account on my XXXX TWICE. And also is reporting with different names on all 3 credit bureaus. I recently disputed this error followed by the fair credit reporting act but they have not yet removed this account from my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: GLOBAL PAYMENTS DIRECT INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the month of XXXX XXXXseveral unknown charges appeared on my XXXX bank statement. I immediately contacted my bank and disputed the charges. The charges appeared to be from GA Lottery. My bank initiated a claim and investigated the matter. In return my bank reimbursed me for the charges. On XX/XX/21 I received a letter in attempt to collect a debt from a company called Global payments Check Services, LLC. On XX/XX/21 I mailed out a dispute letter to the collection company requesting that they validate this unknown debt. I notified them that this letter served as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC1692g ( Sec.809 ) that there claim for account # 's BUTV312 01, BUTV312 02, BUTV312 03, BUTV312 04, BUTV312 05, BUTV312 06, BUTV312 07, BUTV312. These accounts are being disputed and I requested validation for them all. I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. All letters were sent to XXXX XXXX XXXX XXXX, IL XXXX certified mail with signature required. All letters were returned to me by the carrier stating no one was available to receive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original credit card debt was paid. I have repeatedly noticed Resurgent Capital, and they continue to send fraudulent letters. This is a follow on Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original loan through BMO Harris- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is XXXX. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the BMO Harris number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: DriveTime
State: AZ
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 since.

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 2022-04-13
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:
Accounts reporting late payments when they should not on all three major credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion FRIENDLY XXXX XX/XX/XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX Credit CardsXXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion

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